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@ Dikaios1517
2025-05-14 04:45:16
There's a lot of factors that go into this. However, assuming you don't care about your high debt utilization ratio tanking your credit, because you have no need to go deeper into debt, and those minimum payments are not preventing you from stacking more sats, the bullish position would be to just make the minimum payments on your debt and stack sats with the funds you would have put toward paying it down faster. The purchasing power of your Bitcoin will very likely outpace the interest rate on your debt.
Every dollar that is not spent on buying Bitcoin is an opportunity cost. You should only spend dollars on things you absolutely have to, or that will significantly increase your quality of life. Otherwise, you're leaving sats on the table, and they will only get more expensive over time.