Since November 2020, Iāve used every debt instrument available to buy Bitcoin š intelligently and conservatively. Here's the breakdown of the 6 strategies I used that anyone can mimic š§µš
š Starting Point:
Inspired by Michael Saylor, I began leveraging debt conservatively to stack Bitcoin.
š” DEBT STRATEGY #1
š 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.
Saylorās approach: $4.1B debt on $40.2B Bitcoin (10% LTV). Heās far less leveraged than most real estate investors!
š” DEBT STRATEGY #2
š Took out a second mortgage at 5.7% interest to buy more Bitcoin.
Saylor: Issues convertible debt at virtually 0% interest to stack sats.
š” DEBT STRATEGY #3
š° 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.
š” DEBT STRATEGY #4
š Borrowed against my 401(k) at a 7% interest rate to buy Bitcoin.
Saylor: Sells company stocks to stack more Bitcoin.
š” DEBT STRATEGY #5
š³ 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
š The Mindset
All credit is fake.
Only Bitcoin in cold storage is real.
š§ Will It Work?
Bitcoin above $37k by May 2025? Letās follow up and see how this strategy plays out.
š Remember: Plan, execute, and hold. Time is your ally.
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