I am a very calculated person with my finances. I worked some goid years as an accountant for a big company. And I learned how to think like a bank.

First of all I am out of any debt. Some years ago when I was stacking like crazy BTC, I even took a loan in 2015 to buy more BTC, when the price was really low. I worked my ass very hard and in 2017 I paid back all the debts.

Being out of any debt gives you liberty to manage your finances more easily. Many people do not realize that being a fiat debt slave in a perpetual way is what they keep them chained to the fiat world.

Now I live simple, calculating all my expenses in sats and prepare them accordingly. No more fiat used from 2018.