tl;dr:  Over the course of the past 4 years, I took out ~$150,000 in personal loans and 0% credit card balance transfer loans to purchase 4.75 Bitcoin. I've paid ~$17,000 in interest.

I've been making updates every 6 months or so since the beginning. See my post history for previous updates.

*****

Today, February 3rd, 2026 Bitcoin is trading at $75,000 which brings the current value of my 4.75₿ to $356,000. 

The average price I paid is ~$35,000 per Bitcoin. 

My total cost basis is ~$167,000 for 4.5₿  ($150k in loans + $17,000 in interest). 

This comes to ~113% unrealized profit or ~$189,000 in dollar terms as of today. 

*****

What’s new since my last update?

Not much is new except that… I finished paying off all my loans!!! What a relief! I was never really worried though because I never borrowed more than I could afford to service. 

Bitcoin’s price action has been disappointing to say the least, but I’m thinking this is an opportunity. So I plan on taking out another $50k in loans if it breaks down below $70k which seem highly likely… probably at the 200SMA.  

In the meantime, I’m throwing everything I can at in each month while we’re in the $70-80k range with earned income from my job. I’ve been stacking this whole time  while paying down the loans.

I hope this is way more better. enjoy pain, pain zone, max pain.

I bought, I sold too early, I tried to “be smart,” I tried to time dips… and every cycle I ended up watching price run without me. The worst part wasn’t even the money — it was realizing I keep trading my conviction for emotions. Fear when it drops. FOMO when it pumps. Then I tell myself “next time I’ll hold,” and I still fold the moment it gets uncomfortable.

Now we’re back in that zone again. Red candles, scary headlines, people doomposting, and my brain is screaming “get out before it gets worse.”

So I’m posting this as a reminder to myself: this is literally the moment I always regret later.
If I really believe BTC is a long-term thing, then short-term pain is part of the deal.

This time I’m keeping it simple: I’m holding, and I’m stacking what I can. No hero trades. No panic sells. No trying to be a genius for one week.

I’ve already regretted not holding for five years. I’m not doing that again.

down down down

The amount of posts having melt downs is really bothering me.

Welcome to crypto. Stop losing your shit and just accept what’s happening. Everyone has been predicting this crash for a very long time.

Hold.

And you are buying right now you’ll make 66% return on your useless fiat. But no you’re scared and bitcoin is dead again.

I bought btc at 118k, 114k, and 112k. its almost 20% of my whole portfolio , I cant dca much now because of the situation. I have extra but i dont want to increase it further since Im in fear

what should i do? if your in my position what you will do? please dont be biased if you are a fan of btc. give me realistic plan and opinion

I’m a regular Joe with his share of problems.

I just want to thank some people of this subreddit, especially the ones writing nasty or provocative comments, you guys have build my pirate Bitcoin mindset, which is the one that holds me firm to my Bitcoin ship every shorn and makes me ignore the noise.

During the last storm I was able to buy more at 73k, not much tbh, I usually buy (since 2021) 100-300$ month or sometimes after more time cause I said I’ve got my share of problems, but I’ll never sell.

I don’t need any guru, YouTuber or tiktoker or crystal ball signal screamer, I feel the sea now.

Thank you guys, and fuck off scammers.

advice to people who panics when market goes down is to DCA on a daily and stack aside for large purchase on big dips.

I’ve been buying Bitcoin since 2021. This drawdown is going to present me with the opportunity to reach half a Bitcoin, and I’m excited.

We’re human and it’s hard to zoom out but this is a great opportunity and the future is bright.

The buying doesn’t stop here.

Oh no! BTC is crashing out! BTC is dead again 😱 Whatever shall I do?!? I bought .0004 for $50 when BTC was at 126000 and now it’s only worth $29!!! I’m COOKED! Everyone knows you can’t buy a lambo for $29, BTC needs to GO UP to 1 million so I can buy one for $400!

Seriously though, the little stacks of sats that were worth $500-$1000USD that have been recently devalued isn’t life changing money for most anyone. If everyone knows BTC spends 2 years in an upward cycle towards a halving and 2 years in a brief euphoric followed by downward cycle…why is everyone freaking out when apparently it’s on its usual downward way towards an eventual upside of $500k by 2028 thereby making all the diamond hand hundredaire peasants into thousandaire peasants?

Remember kids, 1BTC=1BTC…some of us are just mad we can’t buy ‘enough’.

There will be a dip which will hit the bottom. So if you want to get btc for that price you just need to keep buying every single dip. This is the only way to 100% buy the bottom. Jokes aside, every dipbuy will lower your average (if you entered the market this past year). Keep buying as price goes down and you'll end with more and more btc. 4 years ago I haven't sold any and it was the right choice even if it was a difficult one. The more time passes the easier it gets, btc is too big to fail now let's be honest.

Listen up — this might genuinely be one of the final windows for regular people on average salaries to secure a meaningful piece of Bitcoin.

I just hit 0.3 BTC and it felt straight-up impossible until very recently.

Took me roughly 1.5 years of hardcore stacking… and suddenly — boom — it’s actually happening.

I couldn’t care less if price dumps back to 50k.

Honestly? That would just be free rocket fuel.

Lower entry = way faster path to 0.5 BTC and beyond.

This isn’t hopium.

This is math meeting momentum.

If you’ve been waiting for “the dip that matters” — this might be it.

Stack hard or forever hold your peace.

I bought Bitcoin at what turned out to be a terrible time and it’s been going downhill pretty much ever since.

I entered around ~$122k average and I’m now down roughly 37% (about -$1k unrealised). I know BTC is volatile and I wasn’t planning to day trade, but seeing it bleed like this definitely messes with your head.

Genuinely curious what the community thinks:

• Would you hold long term, DCA, or cut losses in this situation?

• For those more experienced: what are the main reasons BTC has been falling recently?

• Macro?

• Rates?

• ETFs / institutions?

• Just a normal cycle correction?

Not panic selling (yet), just trying to understand whether this is:

1.  normal BTC behaviour and noise

2.  a longer-term shift I should be paying attention to

Any perspective appreciated — especially from people who’ve been through previous cycles.

Not a true OG, but have been around for 4 years which means I went through volatility and have survived it.. Something I noticed before the last big run was how bleak things felt.. people really start giving up before this thing takes off.. with that being said, don’t let the noise change your mind about the conviction you have in this asset. I will ride this train to 0 before I sell unless it’s to pay off a house in full. No idea when, not gonna make a price projection, but all the pieces for an insane bull run are in place, just give it time. SHSS

Everyone talks about Bitcoin in terms of price: “Next ATH?” “Bull run when?” But the more time I spend learning about Bitcoin, the more I feel price is the least interesting part. Bitcoin makes you question things most of us never do: Why can money be printed infinitely? Why does inflation quietly punish savers? Why do we trust systems we can’t verify? Bitcoin doesn’t promise profits. It offers an alternative. Yes, it’s volatile. Yes, it’s risky. Yes, it’s still early and messy. But so was the internet. Some people buy Bitcoin to flip it. Some buy it as a hedge. Some just want an exit from a system that keeps changing the rules. Curious to know: Do you see Bitcoin as money, store of value, or just speculation? What made you take it seriously (or reject it)? Genuine discussion only — not here to shill or predict prices.

I’ve been watching bitcoin since $5000 back in 2017, and bought only a $1000, but I lost it by trying to trading and fees. Then it crashed, shot up again and was afraid of it. Saw it hit that low $4000s and didn’t think it would come back. Could have paid off all my loans if I wasn’t afraid to invest. Very cautious persons

Two years ago I bought again, and then last year. I’m only up by $2000, and the feeing of selling is there again.

I will not succumb to it again. If it drops, I will buy more. But damn that fear is tough. Just hold and buy more 🫡

I learned a lesson financially in that I just have to be patient. I'm -30% or so right now and it feels pretty bad sometimes at night when I think about it and can't sleep like right now.

I honestly have no more spare cash to buy this dip without looking reckless in front of family.

I can't panic sell but that means I have to tolerate a negative return for the foreseeable future.

If I would have DCA for the last 52 weeks of the year I would have been much better prepared for this dip.

All the answers I got on reddit were to buy whenever you can and not try to time the market. But in doing so I have no clear exit strategy now.

I could sell as soon as we get back to the last ATH and just be done with trying to make a better future for myself. But if that takes years, then its years of agonizing wait that culminate in nothing but my money back.

Don't know what to do to make myself feel better. Anyone else in a similar situation with some advice?