Replying to Avatar jimbocoin 🃏

The annualized return on Bitcoin in terms of appreciation (CAGR) is about +40% per year.

So unless your loans have higher than 40% APR, you’re better holding both debt and #Bitcoin, probabalistically speaking.
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Diesel 2y ago

Thanks for this. Something about just getting rid of debt though at the same time that’s hard to put a value on, although I agree, simply speaking the math checks out

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jimbocoin 🃏 2y ago

It can feel good to pay off debts, but the legacy system incentivizes borrowing in several ways. My answer was getting long so I posted an article: https://habla.news/a/naddr1qqxnzd3exvensvp4xg6rgwfhqgsxzsz83jdwztcapd2qulzhspnyjvn6jxcypvrl0w3aahp40j4smfgrqsqqqa288wrqjk