How to stop sitting on your stack, and start to slowly live on Bitcoin as it grows. In the years of helping friends and family understand and use Bitcoin, it's become obvious to me in hindsight that using Bitcoin immediately is better than Hodling forever without ever using it. Reason being if you are a die hard HODLer then it HURTS to convert value out of Bitcoin. Like mental pain as you're going against consensus on what is best: continuing to HODL. But while HODLing for the future is ideal, if you never withdraw anything and you're struggling to cover life expenses then you have no immediate benefit from stacking. This may cause you to reduce your DCA amounts out of concern that you may need the cash more later and don't want to feel bad that you sold some of your stack. Thus HODL-ONLY mode may actual reduce how much you end up stacking over time. Instead, by using it immediately and automatically there's no mental struggle and there's an obvious benefit to stacking while negligibly affecting the overall long term value growth. How to live on Bitcoin today: 1: Stack an initial lump sum of Bitcoin, then steadily DCA over time to increase it. Whatever value you stack, when the cost per coin is close to the cost of production, will be returned to you (and used to cover living expenses) within 3 years, 5 at worst. The first year of stacking often matters more than all the others combined, as you may find that every year you need to save twice as much FIAT to stack the same amount of Satoshis as the year before. The beginning matters the most. 2: Don't just HODL forever and never benefit directly from it for years, start using it immediately. Anything you put into Bitcoin can support a steady expense of 1% a month while only reducing the ~3~ year multiplier of value from ~9x~ to ~7x~ (if entering at the bottom of the trend line, often close to the mining production cost). 6x would remain in the stack, while the original 1x investment amount is spent on life in that time. To easily do this calculate 1/4% of your stack's spending power in FIAT or Precious Metal (whichever is easier), if you have Bitcoin worth 400 Oz of Silver than 1/4% would be 1 oz, vs if you have Bitcoin worth $200k 1/4% would be $500. However you do it, lock in the initial spend amount for the entire year and withdraw it from your stack every week automatically. This means if on Jan 1st 1/4% is $500 you stay at $500/wk all year even as the stack grows, and recalculate this amount in 52 weeks time. 3: Keep track of your stack value over time, if you enter when the cost per coin is close to the production cost (I find estimates by MacroMicro.me are helpful) it is highly likely you won't have to worry about suffering through a devastating bear market. Note however if the total stack value falls by more than half the value it was when you calculated the monthly payment, you will want to adjust the weekly payment down to avoid spending too fast. Otherwise just leave the withdrawal amount alone and use the weekly stack withdrawal to cover a bill or other life expense and don't worry about it. With this immediate concrete benefit to your life and budget you may find you have a fire under your butt to increase the stack value as much as you can before the next recalculation so you have a higher usable amount each week. Living on Bitcoin is the end goal, instead of going from never spending Bitcoin to spending it all the time and all over the place, potentially spending it too fast, this system of regularly growing withdrawals is like training wheels that slowly wean you off FIAT and onto a personal Bitcoin standard. The most important thing is 1% a month usage is long term sustainable with Bitcoin, whether the future growth rate is 18%, 30%, 70%, or 109%. 1% a month never runs out. Bitcoin is engineered to make humanity value it and compete for it over time, forever increasing it's value against time and energy. Use it to make your life better TODAY, not only 10 years from now.