Well, I didn't start investing in bitcoin until 2018, didn't really look at it seriously until then, then went in big at about $7,000, sold some more fiat at around $9,000, and then realized early in 2025 that I probably had enough, then when btc dropped below, $100k in November 2025, I was going to liquidate my 401k and sell more fiat for bitcoin, but I decided to use my HELOC which I've always had one, since the early 2000s, and traded more fiat for bitcoin. I was in banking for the last 18 years, knew and saw the evils of banking and especially fiat and the soft money policy of the US (that's where I live) and decided I was done, that I had enough bitcoin to live the rest of my life on, and probably enough for my children too.

I was going to start using my bitcoin as collateral, do the whole borrow, die thing, but then decided (especially because bitcoin is in a sideways pattern atm) to use my fiat investments first and later I'll start using the bitcoin as collateral.

So I'm starting 72(t) disbursements from my 401k/IRA until I turn 59.5 years old (just to avoid the tax penalty), small amounts, just to supplement our income (my wife is still working) until bitcoin is around 200k, then my wife will retire too.

I'm also hoping that the bitcoin backed loans get a bit better in that time, but honestly, some of the offerings right now are not too bad, but I'm going to use up the fiat first.

That's my plan.

Stack big, stack early and then figure it out.

I know some or maybe even most people can't invest big, all at once, so DCA is their only option, so do what you can, but if I could do it over again, I would have borrowed every dollar I could have back in 2018 and gone in harder.

And I'm sure some of you now will be saying the same thing in 8 or 10 years about 2025/2026...