It’s too easy-

save all your fiat in Bitcoin ✅

Use a fiat credit card for all daily expenses ✅

Once a month, pay off credit card with Bitcoin ✅

If you have a mortgage, I’m not sure anymore, but you could use your fold card linked to PayPal. But if your like me, I’ve removed most of the centralized payment systems (Venmo, PayPal, cash app, Zelle etc).

My checking account has a few thousand in fiat to pay mortgage.

I also offer discounts to people if they pay me in bitcoin, typically 5%