Thank you! It really means a lot to hear that you found some value in my content.

As to your question, my ACH payments are either fixed costs like my mortgage or loan payments, or variable like credit card payments.

When I used Fold, I did have to manage my fiat balance more closely to ensure I was keeping enough fiat on hand to pay the bills.

Now that I've switched to Strike this is less of a concern as I can just keep around 1 month of expenses in bitcoin there, and they will just get paid out as they bills come due.

I hope this clarifies things, but please don't hesitate to ask if you require further clarification.