Get the free ebook: The Realist’s Guide to Living on Bitcoin

A step-by-step playbook for getting paid in Bitcoin, paying bills automatically, and staying self-custodial — without spreadsheets, stress, or selling your stack.

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This isn't theory. It's a system that has been tested, refined, and lived with. It's designed to be simple enough for your family to inherit, and resilient enough to handle life's curveballs

The Plan

✅ Get paid in BTC: Easily route more of your income into BTC with minimal friction.

  • The cleanest direct-deposit setups that actually work

  • How to minimize or offset conversion fees

  • Set it once and let it run automatically



✅ Pay Bills Without Manual Tracking: Pay rent, utilities, credit cards, and recurring costs using BTC as your base.

  • Providers with most automated workflows

  • Automated or manual BTC conversion

  • Build a system that manages recurring bills without daily management



✅ Self-Custody on Your Terms: Take control of your Bitcoin securely, especially if you are starting out.

  • Choose seedless wallets for simplicity or multisig for legacy planning

  • Understand real risks and how to mitigate them safely

  • Build a setup your family can follow in an emergency



✅ Stay in Bitcoin Mode (not Fiat): Design habits that preserve sovereignty.

  • Reduce default reliance on dollars for spending and saving

  • Use BTC-native tools wherever possible

  • Keep your Bitcoin growing while you live your daily life

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What You'll Learn Inside

  • How to route your paycheck into BTC automatically — even if your job only pays in dollars

  • The real-world tools for bill pay, subscriptions, and taxes

  • Self-custody options for beginners and beyond — including seedless wallets your family can actually use

  • Why most budgeting apps fail with BTC — and what to do instead

  • How to keep stacking without selling — including BTC-backed credit strategies

  • The fiat problem explained — in plain English

  • A 7-day checklist to get you fully transitioned

This guide is vendor-neutral, fluff-free, and updated for the real tools that work now.

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Who this is for

This guide is for you if...

  • You want to hold BTC long-term — but still need to live day-to-day

  • You’ve tried spreadsheets, hacks, or crypto debit cards and they didn’t stick

  • You care about inheritance, simplicity, and control

  • You’re ready to treat Bitcoin like your base money, not a speculative asset

What It's NOT

  • It’s not investment advice

  • It doesn’t chase altcoins or NFTs

  • It’s not a maximalist purity test

  • This is not a trading guide, a yield strategy, or a “number go up” thesis

  • It’s not sponsored — no affiliate links, no paid promotions

This is the guide you wish you had from the start.

What you get

No spam. No grift. Just signal.

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The Realist's Guide to Living on Bitcoin (ebook)

A practical guide to living on Bitcoin: Learn how to get paid, pay bills, secure your BTC, and manage everyday finances without selling your stack.

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Instant Download PDF Format

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Future companion tools & checklist (coming soon)

Support Sovereignty

There is no VC money here. No token. No airdrop.

Just a guide, built from real experience, to help others opt out of a broken system.



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❓FAQ

  • Do I have to give up self-custody?

    • Absolutely not. You'll have a daily stash to pay bills, the rest in cold storage. Think about it, NONE of your fiat is self-custodial. This flips the script.

  • Is this U.S. only?

    • Most of the tools recommended are currently available only in the U.S. but the ideas are implementable anywhere; they might just be less automated.

  • What if tools change?

    • They will! The good thing is that every week there are more and more alternatives. Even the big banks are getting in the game. Also, soon the team at Living on Bitcoin will launch a tool stack list that will be maintained for as long as feasible.

  • Is this about avoiding fiat completely?

    • No. This is about optimizing your financial life to remain practical while protecting your work, energy, and sweat.