Damn, legend!

HELOC is great but typically much higher, variable rate and is callable

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“Paying off my mortgage gives me peace of mind.” Sounds smart, right? It’s actually one of the most expensive emotional decisions you can make. Here’s why paying off your mortgage early makes you poorer (and less free). A 30-year fixed mortgage isn’t a ball and chain. It’s one of the best financial tools available: ✅ Fixed terms for decades ✅ Predictable payment ✅ Inflation eats away at its real cost Time and debasement work in your favor. Prepaying your mortgage locks up capital in bricks. That kills: ❌ Growth ❌ Flexibility ❌ Freedom And for what? A feeling. Let’s look at the math. Have $100K? Option 1: Pay mortgage at 5% “return” Option 2: S&P 500 (~10% historical) Option 3: Bitcoin (conservative 20%) After 10 years: 🏠 $163K 📈 $259K ₿ $619K “Peace of mind” could cost you $500K! And it gets worse: Broad money supply (M2) grew 7% annually over the last decade. Your “guaranteed” 5% return is actually a -2% real loss after inflation. “But it makes me feel safe.” Nope. You’re trading one risk for another: ✅ Less debt ❌ Less liquidity Need cash? You can’t peel off a piece of siding. You’ll refinance or sell...often at the worst time. Smart money = options. Keep the mortgage. Invest the difference. That gives you: ✅ Bigger portfolio that compounds ✅ Liquid reserves to cover mortgage if life happens More liquid assets = more security. FIRE + bitcoin is about freedom and optionality. You don’t get that by locking up cash for your feels. You get it by keeping your wealth working and outpacing debt. Poorer isn’t safer. This week’s FIRE BTC issue breaks down the full math and mindset shift: 👉 Why “peace of mind” is a costly illusion 👉 Why a mortgage is your friend 👉 How to build security without killing flexibility Read the full post + subscribe here: https://firebtc.substack.com/p/peace-of-mind

🧘 New FIRE BTC is live: Paying off your mortgage early feels safe. It feels like peace of mind. But poorer isn’t safer. This week: 🔸 Why mortgage debt is your friend 🔸 The math behind “peace of mind” 🔸 Reframing flexibility as security 🔗 Read the full issue here: firebtc.substack.com/p/peace-of-mind And subscribe to FIRE BTC for weekly ideas on financial independence, bitcoin, and building real freedom.

What if you could live forever? 🤔

I just did a short demo of the Apple Vision Pro, and it was…. RIDICULOUS Like, ridiculously good. Damn.

We might hit Longevity Escape Velocity sooner than you think. This week’s FIRE BTC just hit. How will living for 300 years instead of 80 affect your life and your finances? I explore this thought experiment here 👇 https://firebtc.substack.com/p/bitcoin-and-the-end-of-time-scarcity Don’t forget to subscribe free!

Most people treat FIRE like a finish line—you’re either free or you’re not. But what if you could front-load the hard part and start living free sooner? Here’s how a 4-year sprint with bitcoin can buy you decades of freedom. Introducing The Stacking Sprint... The traditional FIRE mindset is all marathon. Grind for 10–15 years. Delay gratification. Save every dollar. But marathons are hard to sustain. They wear you down. And worse, they often delay freedom longer than necessary. What if you sprinted instead? I call it the Stacking Sprint. A focused, 4-year stretch of ruthless saving and intentional living. Why 4 years? 🔸 It aligns with bitcoin’s halving cycle 🔸 It’s short enough to stay motivated 🔸 It’s long enough to change your life Here’s the secret: In the early days, every sat you save matters more. A 10% boost on 0.1 BTC is just $1,200. You can grind that out in weeks. But a 10% boost on 5 BTC? That’s $60,000. Much harder. And that’s if bitcoin’s price stays flat. It rarely does. This is the law of diminishing returns. The bigger your stack, the harder it is to grow through brute-force saving. Each new sat makes less of a difference. Your effort becomes less efficient over time. Unless…You sprint when stacking is easy. That’s why the Stacking Sprint works. You maximize savings when it matters most, then let compounding and bitcoin do the rest. Once your foundation is solid, you can loosen up. Spend more freely. Say yes to life. Without sabotaging your FIRE goal. It’s a combo of math and psychology. Most people who “make it” in FIRE still struggle to enjoy their money. They never shift gears. The Stacking Sprint builds that shift in from the start: 1️⃣ Front-load the hard part 2️⃣ Then intentionally coast Sprint first. Coast later. The Stacking Sprint reframes FIRE as a two-phase game: Stack with focus, then enjoy with confidence. Let your bitcoin stack compound. Let your lifestyle expand. And get to freedom faster. You don’t need to “hit your number” to start living well. You just need a plan that acknowledges the inflection point. That’s the power of the Stacking Sprint. It gives you permission to live like you’re free—even before you technically are. Want to explore this more? I break it down in detail in the latest issue of my newsletter FIRE BTC: The Stacking Sprint -- Four Years to Financial Freedom with Bitcoin Read the full post + subscribe here: https://firebtc.substack.com/p/the-stacking-sprint

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