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I’d Rather Live on Bitcoin-Collateralized Debt Than Sell My Bitcoin

“Money comes and goes, but Bitcoin stays forever.”

Fiat is a flow. Bitcoin is the reservoir.

I choose to collateralize my Bitcoin to borrow money for living expenses, investing, or rotating capital — instead of selling my Bitcoin. Why?

1. Selling Bitcoin is Selling the Future

Every time you sell Bitcoin, you’re discounting your future.

History shows that those who HODL with conviction are the ones who win.

Bitcoin is more than just an asset — it's protection against fiat devaluation, and a reward for long-term vision.

2. Debt Can Be Repaid. Lost Bitcoin Is Gone Forever.

I accept living on leverage — borrowing stablecoins (USDT, USDC) against my Bitcoin and using them to generate returns or sustain life.

Because I believe:

> Leverage is a tool. Bitcoin is the foundation.

I can repay debt through labor, cash flow, or other sources of income.

But if I sell my Bitcoin now, I may never be able to buy it back at the same price.

I'd be trading away a permanent asset for temporary liquidity.

3. Fiat Is a Stream. Bitcoin Is a Reservoir.

Fiat money flows like water through your hands — earned today, spent tomorrow.

But Bitcoin is where I "store water" — a reservoir of value for the future.

Cash flow comes and goes.

Bitcoin remains — as long as I hold to this principle:

Don’t sell. Only collateralize.

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📌 Conclusion

I’m not saying everyone should live on debt.

But I choose this path because I understand the risks, I have a clear repayment plan, and most importantly — I have deep conviction in Bitcoin as a revolutionary asset class.

> It’s easy to sell Bitcoin to meet short-term needs.

But holding on through financial storms — now that’s hard. And that’s worth it.

I’d rather live on debt than sell off hope.

#Bitcoin #BTC #BitcoinNative #LongTermThinking #MoneyMindset #HODL #DontSellJustBorrow

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Discussion

Speedster 6mo ago

12% rates are fine as long as bitcoin CAGR is greater. It makes sense to take a small part of your stack as collateral to borrow fiat. You could take half for living expenses and buy more bitcoin with the other half of the loan. This way you could also slowly grow your stack as well. There is a down side.

fr4nk 6mo ago

Why jeopardize not having complete control of your corn and be subject to liquidation requirements when you can use fiat for that and only pay 3 to 5% and be an unsecured loan?

Vhtech777 6mo ago

Thank you both for sharing your perspectives — they’ve become valuable input for reflecting on my current strategy and questioning whether it’s truly a wise move.

It seems that speedster supports my approach, while fr4nk sees it as risky and discourages it.

Vhtech777 6mo ago

nostr:nprofile1qqsy33zdmpys5hllzze82e4eltn70z8hhha8ywn232dsmw84metv4ngpr3mhxue69uhkummnw3ez6ur4vgh8xetdd9ek7mpwv3jhvtcpremhxue69uhkummnw3ez6ur4vgh8wetvd3hhyer9wghxuet59uyvx68y nostr:nprofile1qqsgu5nkemv378tnf2ar304r3fagyd2w8wp697hulpve9p5uwqykynspgdmhxw309amxxemrvanxz6ng09sk5vmjd45rvvmkxa5ky7tgx4exkamvxakxsaphwgexvvnjv9nnxur2vg6x7mt9wdek2afhv9jzummwd9hkuqgvwaehxw309a38yc3wd9hsk9lc7q

When it comes to investing, there's no absolute right or wrong — it all comes down to whether your personal circumstances allow for it and whether it’s a good fit. That’s how I see it.

Vhtech777 6mo ago

nostr:nprofile1qqsgu5nkemv378tnf2ar304r3fagyd2w8wp697hulpve9p5uwqykynspgdmhxw309amxxemrvanxz6ng09sk5vmjd45rvvmkxa5ky7tgx4exkamvxakxsaphwgexvvnjv9nnxur2vg6x7mt9wdek2afhv9jzummwd9hkuqgvwaehxw309a38yc3wd9hsk9lc7q nostr:nprofile1qqsy33zdmpys5hllzze82e4eltn70z8hhha8ywn232dsmw84metv4ngpr3mhxue69uhkummnw3ez6ur4vgh8xetdd9ek7mpwv3jhvtcpremhxue69uhkummnw3ez6ur4vgh8wetvd3hhyer9wghxuet59uyvx68y If you’re someone with a high risk tolerance and a steady daily cash flow from active work, then using leverage through collateralized loans can be totally reasonable. It helps accelerate your Bitcoin accumulation while taking advantage of relatively low interest rates offered by the exchange you’re using. Big companies like MicroStrategy, led by Michael Saylor, are doing the same because they believe in Bitcoin’s long-term growth

Vhtech777 6mo ago

Of course, that approach is hard to accept if you're someone who prefers safety, doesn't have an active income stream, has an unstable mindset, and spends the day obsessing over market prices. In that case, I would strongly advise against following such a strategy

Vhtech777 6mo ago

At the end of the day, I don't really care about short-term price movements. Smart players focus on market capitalization and on building their position within the new system — to gain leverage and increase borrowing capacity.

As I said, it all depends on each person’s circumstances. Personally, I truly need to take this approach. But if you’re not under financial pressure, then it’s probably better to play it safe and treat Bitcoin as just one asset in your investment portfolio. As for me, I’m all in — living off it — so this is what makes sense for me.

Do either of you have any further thoughts or feedback on the perspective I’ve shared ?

Speedster 6mo ago 💬 1

I convert 100% of my pay to bitcoin then just sell enough to cover my bills at the end of the month. Over the last 12 months this allowed me to achieve an 80% savings rate. I like supporting the companies that are building the products that make it easier to live on bitcoin. I have taken a small loan with Strike to buy more bitcoin. Rate is 12% and i added the bitcoin I bought yo the loan collateral and i can cope with an 80% price drop. As long as you don’t get greedy and you can survive an historic level price drop without getting rekt then i see no issue with borrowing against bitcoin collateral. In fact i think it helps speed up the demise of fiat.

Vhtech777 6mo ago

nostr:nprofile1qqsgu5nkemv378tnf2ar304r3fagyd2w8wp697hulpve9p5uwqykynspgdmhxw309amxxemrvanxz6ng09sk5vmjd45rvvmkxa5ky7tgx4exkamvxakxsaphwgexvvnjv9nnxur2vg6x7mt9wdek2afhv9jzummwd9hkuqgvwaehxw309a38yc3wd9hsk9lc7q Well, good for you that you're applying this strategy quite well and with a certain level of control. I believe we need more people with this kind of mindset to help accelerate the collapse of fiat and strengthen the Bitcoin network. Of course, there's no absolute right or wrong when it comes to investing, but since I'm following a similar strategy, I fully support you.