Oh oh I see, good question as I didn’t make that part clear. I have my paycheck direct deposit to a traditional bank account and then I have a large reoccurring buy at strike for bill pay, and a smaller one over to river for savings. So both buys take advantage of each exchanges’ free buys on a schedule.
Discussion
And that’s just to keep the savings separate from bill pay account, any surplus in the bill pay will end up in cold storage too. River also has 1 free transfer off exchange a month, which will waive any mining fees, not that fees have been very high lately. It’s also a form of UTXO management too.