How bullish are you?

Chances are that your Bitcoin will more than outpace the growth of your debt. Think about it this way: If you spend a few million sats now to pay off your $5,000 of debt, it will have effectively cost you $10k to pay off your debt if Bitcoin doubles in value.

Now, it's true that money you have to spend on minimum payment amounts cuts into how much you can stack in the future, but you have to balance that with how long it will take you just to build back up to the amount you had before you sold. You might calculate it to be a relatively short amount of time, at the current price. But what if the price goes up significantly? Now you've missed out on that price increase, and it will take you longer and more money to buy back in just to get back to the same amount of sats you had to start with. Likely more money and time than it would have taken to just pay off your debt with USD monthly payments.

If you happen to know that we're at the top of a cycle, and that the price of Bitcoin is going to crash by 60%-80%, then it might make sense to sell now to pay off some debt, because you would be buying back in at lower prices and be able to build your stack back up much faster. But how confident can you be that this is the top? I think we still have a lot more upside this cycle.