I get paid in USD but I auto convert it to btc immediately. Then I use credit cards for daily purchases and at the end of the month I only convert the exact btc amount to pay off the credit card statement, using the 30 day grace period if needed to wait for a good BTC sell price depending on the price I paid throughout the month to convert each paycheck.

This way I feel like it maximizes my BTC accumulation, while creating minimal taxable events.

If I were to use btc to buy directly, I would create another taxable event, and depending on how btc moves, I could be losing out on any gains that happen later in the month.

IDK. For me at this point, being someone who hasn't been stacking for a long time, I want to hold as much btc for as long as possible to increase my total amount.