Since November 2020, Iโve used every debt instrument available to buy Bitcoin ๐ intelligently and conservatively. Here's the breakdown of the 6 strategies I used that anyone can mimic ๐งต๐
๐ Starting Point:
Inspired by Michael Saylor, I began leveraging debt conservatively to stack Bitcoin.
๐ก DEBT STRATEGY #1
๐ 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.
Saylorโs approach: $4.1B debt on $40.2B Bitcoin (10% LTV). Heโs far less leveraged than most real estate investors!
๐ก DEBT STRATEGY #2
๐ Took out a second mortgage at 5.7% interest to buy more Bitcoin.
Saylor: Issues convertible debt at virtually 0% interest to stack sats.
๐ก DEBT STRATEGY #3
๐ฐ 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.
๐ก DEBT STRATEGY #4
๐ Borrowed against my 401(k) at a 7% interest rate to buy Bitcoin.
Saylor: Sells company stocks to stack more Bitcoin.
๐ก DEBT STRATEGY #5
๐ณ 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
๐ญ The Mindset
All credit is fake.
Only Bitcoin in cold storage is real.
๐ง Will It Work?
Bitcoin above $37k by May 2025? Letโs follow up and see how this strategy plays out.
๐ Remember: Plan, execute, and hold. Time is your ally.
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