For the last 6 years I have paid the minimum on all my debit. My primary mortgage 3%, I have never paid a penny over the monthly payments. Car loan 1% never ever pay extra. Margin in brokerage. Just enough to offset interest.
This entire time the money I would of used to pay down low interest debt I have been plowing into BTC for years now, no matter the price. It was a rough couple years to start. Now I have officially tripled my fiat value vs. my debt in just 6 years. Literally started with nothing. If I would of paid off my debt instead. I would of had no BTC and still owed probably.
If you can mentally handle the debit I highly recommend just buying BTC instead. First off no one will tell you this is a good idea. So prep yourself for the nay sayers.
To be clear I have not taken any loans to purchase BTC. I totally would if the right dip happened. All my stacking has been from hard work mining fiat.
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