Quote from: Tmoonz on September 15, 2025, 08:04:36 PM

Quote from: Proty on September 15, 2025, 05:57:31 PM

Quote from: Barikui1 on September 15, 2025, 10:56:49 AM

Quote from: Mr_Brilliant$ on September 15, 2025, 07:12:21 AM

Borrowing money to invest in Bitcoin is not a wise move at all, in fact it is one of the fastest ways to put yourself in a trap…. Bitcoin is already volatile on its own, it does not need the added pressure of a loan with interest eating into your back.. When you borrow to buy Bitcoin, you’re not only risking your Bitcoin stack, you are also risking your ability to hold through the dips.. Instead of stacking and building calmly, you will always be under pressure to pay back, and that pressure can force you to sell your coins at the worst possible time..

I think that you are not getting the point here, it's not a wrong decision entirely to invest in Bitcoin with a borrowed money, and you first of all needs to kill that notion that you will be paying back from your Bitcoin investment, no. The terms and conditions of the loan is what's going to determine if it's suited to take an invest or not.
If you have the opportunity to take a loan of $20k that can be paid installmentally across three years with a loan interest of 0.5% or 0.6% why not? Because to the best of my knowledge, you can easily repay back that loan from your paycheck once it comes, bit by bit for three years, and you can be rest assured that Bitcoin will always outperform any interest rate attached to the loan, so what are you saying?
So as long as you are paying it back installmentally across three years or more, and you are paying it back from another source, it's an opportunity not to miss especially if you took it and buy during the dip.

There is no doubt that we are all entitled to our own opinion. However I believe it is wrong to borrow money to invest in bitcoin when you are expecting any money to sort out the loan. Investing in bitcoin for a short or a long term is not a guarantee that our investment is going to be successful at the end so it will be wise if we invest from our discretionary income to avoid the stress and pressure that will come when we are unable to pay back the borrowed money. Borrowing money to invest in bitcoin is not a bad idea but thinking of paying installmentaly is something I don't really support , if you are expecting money from where and decide to borrow to invest in bitcoin and then pay back the borrowed when the expected income arrived then it isn't a bad idea.

I am one among those who dislike being indebted and I value my peace of mind so much, personally I will not borrow money to invest in Bitcoin with the expectation of paying back no matter how sure the plan of paying back can be I will not do such thing, I will always prefer doing things to ease my temperament at every given time, now the question is what is reason for the borrowing money to invest in Bitcoin when you have a long term plans ahead of you? If I am expecting money trust I will wait for as long as I can to get this money before investing in Bitcoin perhaps it wasn't a matter of life and death so i will never try borrowing to invest in Bitcoin for any reason.

Borrowing is a financial instrument of choice. Sometimes borrowing can make you particularly financially strong. Not long ago, a Bitcoin investor I knew borrowed $1k to buy Bitcoin. At that time, Bitcoin was going through a price decline. Although his reasoning was that he would hold Bitcoin for the long term. Moreover, he had engaged in Bitcoin accumulation DCA strategy. He tried to increase his holdings by buying additional Bitcoin. Later he paid off the loan from his alternative own sources but during the bearish period the additional Bitcoin buy increased the size of his portfolio. And he remains steadfast in his long term goals.

I gave this example to show that if you have a source of timely repayment, it would be great and smart to increase your Bitcoin holdings by borrowing during bearish periods.