Living Off Bitcoin - How I’m Doing It Right Now

May 13

Keep more of your Bitcoin

13/5/2025

A quick post for those that are holding Bitcoin but don’t want to sell to fund their lifestyle.

Bitcoin price is at $100K
I make $100K income in Bitcoin (1 BTC), or perhaps you have a balance sitting in cold storage. Instead of spending it bit by bit, I take out a $50K loan using that 1 BTC as collateral.

💸 What do I do with the $50K?
I immediately buy more Bitcoin, which goes into an account linked to a card. This is what I spend over the next few months. The card is spending Bitcoin at every transaction, I'm not sitting in fiat.

⌛️ Fast forward – Bitcoin hits $140K
As Bitcoin price rises, I actually end up spending more than the original $50k additional BTC I bought. Factoring in Bitcoin’s volatility, if spread equally I may actually end up spending say $57k - $7k more than I started with. I just cut my living costs by 14%. Groceries, bills, travel... everything became cheaper just by Living Off Bitcoin.

💡 Time to repay the loan
Loan Due = $56K ($50k + 12% interest)
Collateral Value = 1 BTC @ $140k

After loan repayment: $140K - $56K = $84K left, or 0.6 BTC

🔥 The end result?
I walk away with 0.6 BTC instead of 0.5 BTC if I had just sold down. That extra 0.1 BTC is worth an extra $14K or 24% of the $57k cash I spent over the year.

🤷‍♂️ What about a down market?
Simple: I don't use leverage. But in a rising market, this is how I’m living. Not theory - this is my life right now.

📈 Leverage smart. Live off Bitcoin. Increase purchasing power.

The best part? It’s all tax-free1. The income I’m spending daily, plus that 0.1 BTC net gain at the end - it’s not profit, not taxable. It’s just more of my collateral being returned to me.

Keep more of your Bitcoin.

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