I also just really like that the Push-to-Card feature allows me to stay 100% in sats during periods of likely positive price appreciation and only convert for some dollars to pay my fiat bills.

https://image.nostr.build/d7eb44301eb3db97037d9e8503e433a8e773582b8f0f69daddd3a2f39f4ae9bc.jpg 

 Ah yeah but looks like ACH rewards are only for Fold+ subscribers, that was the problem. I can’t see paying for Fold+ when it gets harder and harder to get any sats back at all– or at least enough to cover the subscription based on my avg monthly spending. 

 I get that. Personally I was able to rationalize the cost of the membership solely to allow me to keep all my value allocated to Bitcoin in a seamless way that allows me to easily pay fiat bills.

But your mileage may vary! 

 I wrote an article about my financial workflow and theory on my website:

https://bitcoinbarks.com/Barks/get-on-zero/#wbb1