I’ve learned the hard way.. I got a Bitcoin loan to buy more bitcoin in 2020 because S2FX model said Bitcoin was going to $100k by the end of the month.

It didn’t.. and I lost 80% of my entire stack trying to cover my loan LTV before it was margin called anyway.

Now I stay humble and stack sats. If it goes down it’s a blessing to stack more, if it goes up it’s worth more.

If any plans rely on the price being x by y, it’s not a good plan. Just stack as much as you can that you can happily not use for more than 4 years.