It doesn't make a lot of sense to make daily or monthly purchases in BTC if you live in the US. Get a Citi 2% cash back card, buy your coffee and ammo on credit, pay off your credit card each month with a Fold card (get 0.5% in sats rewards), humbly save any remaining fiat you have left over in BTC. Larger purchases, that take multiple months to save for, should be saved in BTC and exchanged for fiat when it comes time to make the purchase. Fold is great for converting BTC to fiat for spending.