Holding onto a million in cash and carrying a million in debt are two completely different ways of living.
With cash in hand—spending 4,200 a month lets you coast for twenty years. You do what you want, your time is your own.
With a mortgage on your shoulders—paying the same 4,200 each month, you have to grind nonstop for thirty years just to break even. It may look like you’re saving money, but you’re actually giving up a whole extra decade of your life.
When you do the math, what you’re losing isn’t just money—it’s years you could have spent freely.
A house can tie you down for thirty years, but digital assets like Bitcoin might just let you put down that burden decades sooner.
The game has changed. Some people are still grinding away at their loans, while others are already moving ahead with the assets they hold—giving themselves, and the next generation, more possibilities.
This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.
12 Likes
Reward
12
5
Repost
Share
Comment
0/400
DegenApeSurfer
· 11-26 13:36
Selling a house to exchange for coins, has it really won big? I certainly don't have the guts for that.
View OriginalReply0
ProveMyZK
· 11-25 12:07
What the hell is this logic? A thirty-year mortgage vs. holding cash for twenty years, the difference is really not just money.
View OriginalReply0
GhostAddressHunter
· 11-25 08:47
Indeed, the cost of time is the invisible killer; I really look down on those thirty years of mortgage.
View OriginalReply0
TrustMeBro
· 11-25 08:26
Selling the house to pay off debts is not as good as going all in on digital assets; after all, you'll have to take a gamble sooner or later.
View OriginalReply0
LiquidationSurvivor
· 11-25 08:23
Mortgage for thirty years vs holding coins for twenty years, that difference of ten years is really Rekt...
---
No doubt about it, time is the most expensive cost, cash flow freedom > property ownership
---
Laughing to death, I'm really heartbroken right now while still paying the mortgage
---
Asset allocation really needs to be thought through, don’t get tied down by traditional traps
---
Can Bitcoin take the burden off? First, let’s take a look at the Volatility before bragging
---
Buddy, this calculation is absolutely spot on, hitting the key point in one go
---
The problem is that most people don’t have a million in cash to choose from...
---
This logic is a bit intense, but it really awakened my sense of crisis
---
The essence of asset allocation is to compete for discretionary rights, get it
Holding onto a million in cash and carrying a million in debt are two completely different ways of living.
With cash in hand—spending 4,200 a month lets you coast for twenty years. You do what you want, your time is your own.
With a mortgage on your shoulders—paying the same 4,200 each month, you have to grind nonstop for thirty years just to break even. It may look like you’re saving money, but you’re actually giving up a whole extra decade of your life.
When you do the math, what you’re losing isn’t just money—it’s years you could have spent freely.
A house can tie you down for thirty years, but digital assets like Bitcoin might just let you put down that burden decades sooner.
The game has changed. Some people are still grinding away at their loans, while others are already moving ahead with the assets they hold—giving themselves, and the next generation, more possibilities.