It depends on whether you currently have any high interest debt that could be largely be erased with the $10k, freeing up bi-weekly earnings for regular DCA over the next year. But if you’re free and clear, smash and hodl.

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What's high interest debt to you? If you expect Bitcoin to achieve a CAGR or 25% over the next 5 years, and your debt has a 10% per year interest, it would still make sense to just deploy the $10K into BTC than pay down the loan, no?

Maybe 18%+