I’m following the Saylor playbook! You can too!

I did it guys. I took out a HELOC for $70k and bought $65k worth of bitcoin! Some of you would call this dumb, insane, whatever. Below is my logic:

I have 6 months of "emergency" fund already. I can comfortably afford twice the minimum payment (starting in February I will be increasing this to over 4x) Also in February, I will also be increasing my mortgage payment by 58%, adding that directly to principle. By June '26, I will have the HELOC paid off. I will see what the situation is like at that time, but the plan is to take out another HELOC for $140k (increased equity in home due to lower mortgage balance and appreciation). By March of 2029, I will have my home AND the second HELOC paid off. I will again reassess and either take out another HELOC or do other life things.

https://preview.redd.it/ecphqm1190jd1.png?width=441&format=png&auto=webp&s=4b5ec693962451d1875ee8565cc1400774dea37e

As a side note: I also get yearly bonuses and RSU's vesting that when they hit, I am putting it all on my HELOC/Mortgage (50/50 split) to speed up the above process, and the reason I can accomplish 2 HELOC's and house paid in 5 years.

EDIT: I got a TON of questions about two things specifically.

What is my HELOC APR/Interest Rate? 8.5%. However, because I am keeping the loan open for only 1 year and 9 months, the interest rate was not a big factor in my decision. The interest paid in 21 months at 8.5% versus say 6% is really negligible. What is the math/logic I am using to determine if it was worth it?

Loan amount (which includes fees) = A = 72,385. Interest paid on loan (use an amortization calculator thats available on the web) = B = 7,273 based on 1 year 9 months loan term. Target BTC price = C (Let's say 150k somewhere between now and June 2026 when I expect to have loan paid off).

C – (A+B) = Profit – (Profit * Capital Gains (15%)) 150,000 – (79658) = 70342 – (10551) = 59791 TRUE profit.

There is only two variables to the above equation:

Price Target (C). How long I am willing to wait for C. It could be 6 months from now, or 4 years.

Now obviously, if you think BTC is a scam, then this isn't for you. If you think BTC won't hit that in 4 years, this isn't for you. If you are like me and while you know BTC is volatile, but the PT 5-10 years from now will be great, then the risk to me was worth it.

Lastly, please don't have any other debt before doing this. We dont have CC debt, car loans, or anything but the mortgage. We can afford 4.25x the minimum on the HELOC and 1.5x on the mortgage – so if life happens we can scale back. Do your own diligence, find your own risk tolerance, and this is not financial advice, but a path that I am taking that you could too.