If you have to fiat, what else is better?

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Credit card and convert rewards to #btc?

Amex 6% on groceries

Citi double cash 2% on anything etc ...

Credit cards are shit coins with broken incentives. I’ll take debit with lesser rewards.

I'll take more sats until I can pay in sats

That’s good. Having the discipline to pay off credit cards and not splurge is useful.