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Isn't this very easy ? Keep your debt (at a manageable level) and buy BTC.
CAGR (averaged over 4 years) should easily outpace whatever interest you're paying on your debt.
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Yes but sometimes I get the urge to just pay off the debt the annoyance of paying it monthly
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Pay off debt or buy the BTC. Thoughts that run through my mind every single day since 2017 😆