So it’s kind of like you went back in time to January to sell at January’s 10th percentile. This effect will grow worse 12/31/2026 and disappear 1/1/2027…only to grow worse again by 12/31

1) I should have seen the pattern by 2016. 2) I should be borrowing money to buy bitcoin today, despite being in top tax bracket (capital gains taxes, plural, add up to about 33% if you look at high bracket alternative minimum tax 28%, federal net investment income tax 3.8%, and my state investment income bonus theft/tax). 3) taxes force you to roll over loans rather than pay them back…if you did serial loans paying back principle from gains every year, you’re better off DCA’ing. 4) delaying retirement by 1 year makes a massive difference at the end. 5) extrapolation is not prediction https://quantoshi.xyz/7.3 6) One Bitcoin is a lot of bitcoin, should extrapolation prove true. 7) Bitcoiners won’t be the first to want to live forever, but they will have the most reason, financially speaking, to live to be very old…

Mathematically I feel like I should. But as I already have a fair amount of debt, I guess in a way I already have…when I didn’t have to pay my medical school loan during COVID, I stacked sats with every penny. That itself will effectively pay off my loans in due time. But the idea of more debt still scares me. I grew up poor…and that kind of scare is hard to shake, despite thorough knowledge. That said, there is a number for everyone that they could afford to enable a personal Saylor strategy with low stress. I feel like I’m going to regret my decision on this someday…

It’s all a question about sizing your leverage. Too much and you lose big time. Too little and your descendants will begrudge your lack of effort :)