I did it guys. I took a $70k HELOC and bought $65k worth of bitcoin! Some of you might call this stupid, insane, whatever. Here’s my logic:

• I already have an emergency fund for 6 months.
• I can easily afford to make twice the minimum payment (starting in February I will increase this to over 4x)
• In February, I also increase my mortgage payment by 58%, adding this amount directly to the principal.
• By June of ’26 I will have paid off the HELOC. I will see how things are then, but the plan is to get another HELOC for $140k (more equity in the house due to lower mortgage balance and appreciation).
• In March 2029 I will have paid off my house AND the second HELOC. I will reassess and either take out another HELOC or do other life things.

https://preview.redd.it/ecphqm1190jd1.png?width=441&format=png&auto=webp&s=4b5ec693962451d1875ee8565cc1400774dea37e

As an aside, I also get annual bonuses and RSUs that I put fully towards my HELOC/mortgage (50/50 split) as they come in to speed up the above process. This is also why I can take out 2 HELOCs and pay off my house in 5 years.