Since November 2020, I’ve used every debt instrument available to buy Bitcoin 🟠 intelligently and conservatively. Here's the breakdown of the 6 strategies I used that anyone can mimic 🧵👇
🔑 Starting Point:
Inspired by Michael Saylor, I began leveraging debt conservatively to stack Bitcoin.
💡 DEBT STRATEGY #1
🏠 Refinanced my house at a 3% interest rate to pull out equity and buy Bitcoin.
Example: A $100,000 house fully paid off = $80,000 equity (80% LTV) at 5-7% interest rates for Bitcoin.
Saylor’s approach: $4.1B debt on $40.2B Bitcoin (10% LTV). He’s far less leveraged than most real estate investors!
💡 DEBT STRATEGY #2
🏠 Took out a second mortgage at 5.7% interest to buy more Bitcoin.
Saylor: Issues convertible debt at virtually 0% interest to stack sats.
💡 DEBT STRATEGY #3
💰 Took multiple 5-7 year fixed-rate personal loans at 6-12% interest rates.
Used my W2 income responsibly to service these loans.
Saylor: Issued junk bonds at 6.125% for Bitcoin.
💡 DEBT STRATEGY #4
📈 Borrowed against my 401(k) at a 7% interest rate to buy Bitcoin.
Saylor: Sells company stocks to stack more Bitcoin.
💡 DEBT STRATEGY #5
💳 Intro 0% APR Credit Cards
Borrowed at 0% interest for 18-21 months by maxing out intro APR credit cards.
Maxed out:
Citi Simplicity
Citi Diamond Preferred
Wells Fargo Reflect
Chase Freedom
US Bank Platinum
Bank of America BankAmericard
💭 The Mindset
All credit is fake.
Only Bitcoin in cold storage is real.
🧠 Will It Work?
Bitcoin above $37k by May 2025? Let’s follow up and see how this strategy plays out.
💎 Remember: Plan, execute, and hold. Time is your ally.
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