Why not just auto-convert your paychecks to 100% bitcoin through CashApp or Strike? That's what I do and it is an easy way to get on zero fiat. Then spend SATs where they are accepted, buy gift cards on The Bitcoin Co App and Bitrefill, and sell what you need for fiat to pay your fiat bills (just before you need it). Maximize your usage of bitcoin day to day. Mine at home for Non-KYC SATs. Use Bisq Network and Robosats and buy Azteco vouchers to maintain a non-kyc stack. When you sell from your KYC stack use automated tax accounting tools like Taxbit to track your cost basis.