Coinbase updated how you buy USDC we figured it out on this video.
As the market keeps coming down
I recommend DCA only when you spend it, Buy collateral first then pay bills.
So stay in fiat, until you use it.
I don't know if there is more down turns but it could just wick and fly back up to 120k +.
But you know what you need to serve your family.
Remember the rule, Bitcoin serves you, you don't serve it. Sell it if you need it. Trigger the sell if you need to keep your weekly payment demands.