12d • Bitcoin + FIRE to Retire
Bitcoin & Growth Margin Strategy (Checklist)
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.
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📋 LEVERAGE-NEUTRAL INVESTING CHECKLIST
(Income-covered margin for growth + BTC accumulation)
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🎯 PORTFOLIO STRUCTURE (TARGETS)
• ☐ Growth ETFs + BTC: ~80%
• ☐ Covered-call income ETFs: ~20%
• Hard cap: 25%
• Floor: 15%
• ☐ Optional cash buffer: 0–5%
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💳 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
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💰 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)
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📉 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
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🟠 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
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🛑 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
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🔁 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
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🧠 BEHAVIOR RULES (MOST IMPORTANT)
• ☐ No emotional buys
• ☐ No “use all margin” thinking
• ☐ No panic selling
• ☐ Boring = working
• ☐ Survival > optimization
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🧾 CORE PRINCIPLES (READ THIS IN DRAWDOWNS)
• Margin is optional, not required
• Income neutralizes risk — it does not create returns
• Growth heals LTV first
• BTC is upside, not survival
• If nothing is forced, time works for you
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✅ FINAL CHECK
If all boxes above are respected:
• You are not gambling
• You are not dependent on leverage
• You are not a forced seller
• You are stacking asymmetric upside safely
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Bitcoin & Growth Margin Strategy (Checklist)
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