If the employer doesnât have lightning sats and outbound liquidity, pheonix will always need to loop in or swap in as they call it, and because they use their own UTXO set to do so, you will always be at the mercy of their fee rate decisions. It would be better to receive on chain sats in an onchain wallet, and spend from a single UTXO.
Even better, would be to get a percentage of payment in fiat that covers weekly or monthly expenses in full. If all expenses are paid in sats, then investing in a proper lightning node will allow greater flexibility and control for congested high fee times.