No fiat. Use UTXOs—unspent transaction outputs. Your coins, unspent, ready to roll. Keep it private. Works for any BTC—0.1 or 10.
The Split
| Bucket | Percentage | Purpose |
|---|---|---|
| Weekly Spending | 5% | Daily stuff |
| Checking | 10% | Monthly bills |
| Short-Term Savings | 20% | 1-5 years. Emergencies |
| Long-Term Savings | 65% | Retirement. Future |
How It Works
Weekly Spending (5%)
Food. Gas. Coffee. Everyday buys.
- 1 BTC: 0.05 BTC. Split into 12 UTXOs. Each ~0.00416666 BTC. One per month.
- Newcomers: UTXOs are cash piles. Break your BTC into these.
- Fund a Lightning wallet—fast, cheap. Spend it. Refill monthly from Cache.
| Total BTC | Amount | UTXOs |
|---|---|---|
| 0.1 BTC | 0.005 BTC | 12 (~0.00041666 BTC each) |
| 1 BTC | 0.05 BTC | 12 (~0.00416666 BTC each) |
| 10 BTC | 0.5 BTC | 12 (~0.04166666 BTC each) |
Checking (10%)
Rent. Power. Internet. Bigger stuff.
- 1 BTC: 0.1 BTC. 12 UTXOs. ~0.00833333 BTC each. One per month.
- Newcomers: Bill money. Separate piles.
- Pay BTC direct if they take it. Or Lightning. Or P2P—swap for goods.
| Total BTC | Amount | UTXOs |
|---|---|---|
| 0.1 BTC | 0.01 BTC | 12 (~0.00083333 BTC each) |
| 1 BTC | 0.1 BTC | 12 (~0.00833333 BTC each) |
| 10 BTC | 1 BTC | 12 (~0.08333333 BTC each) |
Short-Term Savings (20%)
Trips. Gear. Rainy days. Near future.
- 1 BTC: 0.2 BTC. 5 UTXOs. 0.04 BTC each. One per year.
- Newcomers: Backup stash. Or big plans soon.
- Sit on it. Need cash? Break one UTXO into smaller bits.
| Total BTC | Amount | UTXOs |
|---|---|---|
| 0.1 BTC | 0.02 BTC | 5 (0.004 BTC each) |
| 1 BTC | 0.2 BTC | 5 (0.04 BTC each) |
| 10 BTC | 2 BTC | 5 (0.4 BTC each) |
Long-Term Savings (65%)
Old age. Wealth. Far off.
- 1 BTC: 0.65 BTC. 10 UTXOs. 0.065 BTC each. Big chunks.
- Newcomers: Nest egg. Don’t touch yet.
- Hold long. Later, split for yearly use.
| Total BTC | Amount | UTXOs |
|---|---|---|
| 0.1 BTC | 0.065 BTC | 5 (0.013 BTC each) |
| 1 BTC | 0.65 BTC | 10 (0.065 BTC each) |
| 10 BTC | 6.5 BTC | 10 (0.65 BTC each) |
Examples
| Total BTC | Weekly (5%) | Checking (10%) | Short (20%) | Long (65%) |
|---|---|---|---|---|
| 0.1 BTC | 0.005 BTC | 0.01 BTC | 0.02 BTC | 0.065 BTC |
| 1 BTC | 0.05 BTC | 0.1 BTC | 0.2 BTC | 0.65 BTC |
| 10 BTC | 0.5 BTC | 1 BTC | 2 BTC | 6.5 BTC |
Fiat at Big Numbers
Bitcoin hits $1,000,000. It happens.
- 1 BTC: $50,000 Weekly. $100,000 Checking. $200,000 Short. $650,000 Long.
- 0.1 BTC: $416 a month from Lightning. Still buys plenty.
- Newcomers: BTC buys more then. Less gets you far.
- Fiat needed? Swap 0.0001 BTC. That’s $100. Keep it quiet.
- Scales up. Scales down. Hold more. Spend smart.
The Rules
- UTXOs: Split clean. Watch fees—small BTC, fewer piles. Time splits when fees dip.
- Privacy: Coin control—pick your coins. Lightning hides tracks. Mix big spends if you must.
- Spending: Lightning for daily. BTC for bills. P2P if stuck.
- Scale: Same split. Fits any BTC. Adjust ratios if life demands it.
The 3 Bank System
Wallets split your BTC life into three lanes. Cache. Hodl. Spend. (Credit: DarthCoin).
Cache
- Point of entry. Coin management.
- BTC lands here—paychecks, trades.
- Split UTXOs with Sparrow or Electrum. Coin control lives here.
- Hot wallet. Keep it secure—not sloppy.
Hodl
- Savings wallet. Short and long term.
- Takes your 20% Short-Term and 65% Long-Term.
- Cold storage—hardware wallet (Trezor, Ledger) or paper, locked up.
- Big UTXOs sit here. Test your backup first.
Spend
- Lightning wallets. Daily cash.
- Fund your 5% Weekly and 10% Checking.
- Use one or more—Phoenix, Muun, Wallet of Satoshi.
- Refill monthly from Cache. Swap leftovers (Boltz, FixedFloat) back to Cache.
The Flow
- BTC hits Cache → Split it → Hodl locks the big stuff → Spend fuels your day.
- Swap Spend leftovers to Cache. Repeat. Keeps it tight.
Start It
- Know your BTC. Split it up. Make UTXOs—use Sparrow.
- Fund Spend via Lightning for weekly cash. Cold-store Hodl—hardware wallet, safe.
- Live lean. Spend BTC. Earn BTC. Three banks, one BTC life.