I borrowed 50k against my 401k at roughly 65k btc price in 2021 and bought as it went it down. It ended up being almost a full bitcoin... the interest rate was 4.25% and the term was 60 months. I would do it again but I'm still paying off the loan. Lol. The new loans on 401k's are at 8.5% today.
Discussion
If mortgage rates come down there's a non-zero chance Im gonna tap that equity myself.
Yeah that's a great one. The rates will come down. If you're US based, the market is propped up by the govt, might as well use the lever if you can. I don't own a home, so I can't do that, so the next best thing is 401k loan which repays back into the 401k so you borrow from yourself.
Ya I see a lot of clever things done with 401k loans.