What’s the most efficient setup for living on a bitcoin standard?

I was thinking of setting up direct deposit nostr:npub1a27t5chyqgfygncyfqwzpvvkrms6shhal9756jkgnpyzjqpsz5jqama5yp to earn sats for paying my bills. I’ve also heard using nostr:npub1ex7mdykw786qxvmtuls208uyxmn0hse95rfwsarvfde5yg6wy7jq6qvyt9 to get paid in bitcoin but not sure how that will work without a debit card?

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