Yeah but you’re using that debt to gain control of Bitcoin, which I expect the purchasing power gains over 30 years would crush the interest expense. 

The game in fiat is stack debt that can’t be margin called and can be paid off slowly. 100k in fiat debt won’t be shit in 30 years. That will be the cost of a beat up used car or something 😂 

 I get what you're saying. I just don't like the idea of using debt and playing fiat games with my house on the line haha 

 If I felt good about my cash flow and didn’t have any Bitcoin I would max out my HELCO and smash buy as much corn as I could 😂 

Luckily I’m not in that position. 

 If you had better cash flow you would just buy more corn instead of dealing with the headache that comes with all the paperwork haha 

 But being able to buy 100k today on borrowed money is very different than DCAing 100k over 3-5 years. 

 That’s true but I don’t know enough about HELOCs. There has to be some additional cost. Otherwise the standard 20% down payment would be pointless. My guess is that your interest rate on the loan goes up as you take on more risk with a HELOC. 

 You can only tap into your equity and I don’t think you can do so right away. I’m not 100% sure how they work either though I’ve never done one. 

 Okay I just looked it up. Typically a new homebuyer can take out a HELOC 30-45 days after close, access up to 80% of their equity value and payback over up to 20 years 😂😂😂😂😂 

 My guess is you’d have two loans then and the second loan will probably have a higher interest rate because it’s considered more risky ? 

 Internet said it’s a separate loan, usually variable rate, but typically a similar rate to the initial mortgage. They can be fixed rate too. They can be paid off early. And they can be refinanced. The banks want as much debt as possible no wonder they make these things so sweet.