While I was a little miffed that most people got stimmy checks during Covid and I didn’t, and many hundreds of billions of dollars were given to small business owners in the form of forgivable loans an I didn’t get any…I am glad I wasn’t more responsible with paying my student loans…I’ve been paying the minimum since forever…an even though I had to pay 5% interest in the Zero Interest Rate Policy (ZIRP) era, when Covid came and they stopped taking loan payments out of my checking account, i effectively got $2,500 for free every month, tax free, for 3 years …I put it all in to bitcoin.

After capital gains tax and net investment income tax and state capital gains tax and even accounting for massively higher than market rate interest payments for over a decade, the roughly ₿4.5 I stacked still puts me ahead almost $200,000 at the moment. But since it’s in bitcoin, someday my ₿4.5 stimmy bitcoins will be worth over ₿3 after taxes which could be a very large sum.

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That coulda been me but I refinanced.

I have a fellow physician friend who refinanced and two others who paid off their loans fast. They weren’t happy with the Covid inflation as everyone else got free cash and prices of even investable assets they wanted to buy went up…money printing picks winners and loser.

Until covid it worked for me because my interest rates went down twice. Shoulda refinanced again during lower interest rates.

I refinanced house at 2.875%. Took 6 months. Had to pay to keep loan offer open as interest rates had moved while waiting for home value appraisal

This should make up for my 5% student loan growth when I was too poor for minimum payments to keep debt from growing.