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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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Vhtech777 6mo ago 💬 1

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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 ?

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Discussion

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:npub13ef8dnkeruwhxj468zl28zn6sg65uwur5ta0e7zej2rfcuqfvf8qhnupmr 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.