Bitcoin now has over a $2T market cap, and is incredibly liquid. It is easier than ever to move between bitcoin and dollars/fiat at will. Because of this, I stopped holding dollars, and now just use USD as a payment rail.

I own zero dollars. In fact, I'm negative dollars at any given time. I get paid in bitcoin, and I pay my bills with bitcoin.

Here's the monthly pattern I follow: -I direct deposit 100% of my paycheck to Fold (Strike would work for this also). Fold auto-converts the dollars to bitcoin as soon as the deposit hits.

-Throughout the month, I spend less than I make (denominated in bitcoin), and I use standard reward credit cards for all expenses that accept CC payments.

-At the end of the month, I pay off my credit card bills from Fold/Strike. -Fold and Strike have ACH account info that can use bitcoin as its balance

-For bills that cant be paid with a credit card, I just do an ACH billpay from Fold/Strike. You can also connect apps like Venmo to the Fold/Strike ACH account.

-When my Fold account balance grows beyond my needs for the next 1-3 months, I transfer out the excess bitcoin savings to a self-custodial bitcoin wallet for long-term savings.

Using this pattern has significantly increased my purchasing power far beyond any high yield saving account, and has radically accelerated my financial goals. This pattern protects me from the perpetual debasement of the dollar, gives me full exposure to Bitcoin's best performing days (80% of bitcoin's annual growth is concentrated into 10-20 days), and I still get the benefits of reward credit cards without worrying about interest.

referral links if interested: https://use.foldapp.com/r/7P7V99LV