How do you feel about borrowing against your bitcoin? I’ve avoided it, not out of ignorance, but out of respect for the one thing I refuse to lose: my stack. The idea of watching it evaporate in a liquidation or getting rugged has always felt like the darkest timeline. The more I study it, the more the logic shifts. As a bitcoiner, a bitcoin backed loan makes more philosophical and financial sense than chasing some fiat lender’s approval. Still, if I can’t responsibly borrow against my stack to buy whatever I’ve got my eyes on, that might be the signal, not to overreach, but to stack harder and lower my time preference until I can. That discipline is probably better for my character than the purchase itself. The truth is: the longer I wait, the better the terms will likely become. Bitcoin hardens, markets mature, and the rates offered to strong hands will dwarf what a bank would give me today. There’s risk, of course. I’d never use a loan as leverage to stack more corn: that’s how people get chewed up…but as a tool? Used sparingly? For the rare opportunity that would be lost without it, or to bridge a gap in living standards without cannibalizing my stack? That starts to feel realistic. I don’t ever want to sell my corn when I could borrow against it at a cheaper cost than any fiat loan. In the right hands, bitcoin lets you stack your sats and, slowly, carefully, eat from the tree you planted without chopping it down.

Newsflash: Bitcoin whales unload in tidal waves, but those same waves feed entire reefs of minnow wallets. One creature’s purge becomes another creature’s feast. A sell off to one is a stacking season to another. Major sellers still outweigh the swarm of small buyers…for now. Every time a whale empties itself, it becomes a little lighter, a little less dominant, and with every dump, the minnows grow: quiet, persistent, accumulating sats into something sturdier. Eventually the math flips: the whales no longer have enough weight left to shake the ocean, and the sea fills with stronger, midsized fish instead of a handful of giants churning the waters. That’s what healthy distribution looks like: less topheavy, more antifragile. The shoes left behind are enormous, sure, but someone will fill them. Many someones, actually, and they’ll run farther than the giants ever could. As for me? I’ll take the pinky toe position. It’s small, humble, but it’s what keeps the whole foot balanced.

It’s not that I’m doing anything dramatic, just showing up every week stacking sats without letting fear rearrange my plans. I don’t wait for perfect timing; I just use time itself as the engine. I take opportunities by the collar, not because they look glamorous, but because they show up. If the dip lingers, I’ll build around it. If it dives deeper, I’ll dig deeper too. Cycles don’t intimidate you when you understand they’re just terrain, not prophecy. And if you need perpetual NGU as emotional support, you might never make it to seven figure bitcoin. Multicoiners aren’t minted by comfort; they’re forged in the parts of the chart that make everyone else flinch.

If push ever came to shove, I know I could walk through another bear market barefoot: cold winds, empty sentiment, and all. Stacking is just second nature now. The question is…can you say the same? Bears are a strange mercy. They strip the noise, peel away the sensitive, the shaky, the ones who mistook volatility for a personality trait. In the quiet that remains, you see who actually believes. The scarcity isn’t just in Bitcoin; it’s in conviction. I don’t pretend to know the next chapter. I only know the constants: uncertainty, volatility, and my shadow showing up with more sats each time the market gives me an opening. I’ll buy higher, I’ll buy lower. Price is just the toll for passage. As long as people keep trading tomorrow’s sovereignty for today’s dollars, I’ll be right there, taking the other side.