With Bitcoin currently trading at the 7th percentile…what do you think results in a bigger stack in 10 years, steady monthly DCA —OR— borrowing 1 years worth of contributions at 13% on an interest only loan and buying bitcoin with the loan…assume loan gets rolled until year 10 when you sell appreciated bitcoin and pay 33% capital gains tax on the bitcoin you sold to pay off the loan… The result depends a good deal on what percentile bitcoin price trades at in 10 years. For the sake of argument, let’s say Bitcoin’s price falls on a percentile basis to the 1st percentile. The price in 10 years at 1st percentile extrapolates to $905,817. That’s the bearish 1st percentile! The loan interest takes about ⅛ of away from what you can use for DCA every month but adds a staggering 10% to your final stack, even with punitive capital gains (10-20% is more typical of those below the ~$650k annual income success level to qualify for bonus theft via AMT-alternative minimum “tax”). This is risky, no doubt. You’ve permanently impaired your monthly DCA allowance until loan repayment and you don’t have the option of skipping this part…and interest rates may rise above 13% or loan may not be allowed to roll over. In theory you could borrow about 8x annual DCA and spend 100% of your DCA allotment but that’s quite risky. https://quantoshi.xyz/3#q2:H4sIAEKqqWkC_81PQQqEMBD7S845TK…