Instead of the headache of dealing with banks and being in debt why not just stack sats directly with leftover fiat after obligations are paid with fiat income?
Discussion
Solely due to the fact that during the bear market, I assumed my dollars wouldn't buy as many sats in the future, and opted to pay for my expenses with those less valuable future dollars by using fiat credit products.
Sounds like Poor Man’s Sayloring
It's not as simple or clean as staying humble and stacking sats, but it can be a good strategy if implemented responsibly.
But definitely not a strategy I'd advise for most, or necessarily advise at this point in the cycle.
Today, I could pay the debt down with roughly 30% of the sats stacked by implementing this strategy. In other terms, the value of the debt from my expenses in the past 2 years has dropped by 70% in Bitcoin terms.
I genuinely wish you luck. May the Margin Call Gods look favorably upon you :)