More Wall St. FUD to get you to sell them cheap Bitcoin!! https://dailyhodl.com/2026/02/04/market-strategist-warns-bitcoin-meltdown-to-40000-incoming-says-people-are-tired-of-the-crypto-trade/

https://river.com/content/1-27-2026-newsletter?utm_campaign=River%20Intelligence&utm_medium=email&_hsenc=p2ANqtz-9L_XIeCUZoFPSiRBS6OLXCdHb0BeDl26ziU3s9oTfdRxlkHT3Wq6xNV2YikKEi9kpnjYP_72eGle7jdUWBWniJ6su-Lw&_hsmi=400650480&utm_content=400650480&utm_source=hs_email

Gold and Silver are having their moment while Wall St. and big money focus on supressing Bitcoin. But we know that will not last for long and this will definitely but a huge catalyst for my FIRE Strategy and separately holdings!

Here is a clean, printable, one-page checklist you can literally save, print, or keep pinned in Notes. This is written to be mechanical — so you don’t improvise under stress. ⸻ 📋 LEVERAGE-NEUTRAL INVESTING CHECKLIST (Income-covered margin for growth + BTC accumulation) ⸻ 🎯 PORTFOLIO STRUCTURE (TARGETS) • ☐ Growth ETFs + BTC: ~80% • ☐ Covered-call income ETFs: ~20% • Hard cap: 25% • Floor: 15% • ☐ Optional cash buffer: 0–5% ⸻ 💳 MARGIN RULES (NON-NEGOTIABLE) • ☐ Target LTV: ≤ 20% • ☐ Hard max LTV: 30% (never exceed) • ☐ Margin used only to buy assets • ☐ Margin never used for living expenses • ☐ Margin deployed only during drawdowns ⸻ 💰 INCOME COVERAGE RULE Calculate monthly or quarterly: Income ÷ Margin Interest • ☐ ≥1.5× → OK to operate • ☐ 1.2–1.5× → Pause new borrowing • ☐ <1.2× for 2 months → Stop borrowing (do not sell) ⸻ 📉 DRAW DOWN BUY RULES (MECHANICAL) 🟦 Growth ETFs (PRIMARY – 60–70% of margin use) • ☐ –20% from high → deploy ~15% of margin • ☐ –30% → deploy ~15% • ☐ –40% → deploy ~15% • ☐ –50%+ → deploy 15–25% Rules: • ☐ Broad index ETFs only • ☐ Never average up • ☐ Stop if income rule violated ⸻ 🟠 BTC (SECONDARY – max 30–40% of margin use) • ☐ –25% from ATH → deploy ~10% • ☐ –35% → deploy ~10% • ☐ –45% → deploy ~10% • ☐ –60%+ → optional 5–10% Rules: • ☐ BTC buys come after growth ETF buys • ☐ BTC never exceeds 40% of margin exposure • ☐ BTC never counted as safety or income ⸻ 🛑 AUTOMATIC STOP CONDITIONS • ☐ LTV > 25% → BTC buys paused • ☐ LTV > 28% → All margin paused • ☐ Income < 1.2× interest → Pause borrowing • ☐ Volatility collapse + falling income → Pause, don’t sell ⸻ 🔁 REBALANCE RULES Review annually or if limits breached: • ☐ Income sleeve >25% → Trim to growth or cash • ☐ Income sleeve <15% → Add modestly • ☐ If income coverage >2.2× → Trim income ETFs ⸻ 🧠 BEHAVIOR RULES (MOST IMPORTANT) • ☐ No emotional buys • ☐ No “use all margin” thinking • ☐ No panic selling • ☐ Boring = working • ☐ Survival > optimization ⸻ 🧾 CORE PRINCIPLES (READ THIS IN DRAWDOWNS)

I spent a lot of time having A.I. run through different prompts, different scenarios, worst case previous market crashes to come up with this option. I will cover other options as well so can see which looks to be the winner to achieve the best F.I.R.E. Strategy possible.