I spent 4 years from 2021 to 2025 accumulating BTC. Only bought, never sold, using a rough DCA principle. By Q4 2025, I had 3.55 BTC bought at average cost of $55k per bitcoin.
I bought bitcoin in order to use it. I don’t want to HODL forever. The objective was to use the bitcoin to help pay down my home loan faster.
Towards that end, I executed my first sale of 0.55 BTC in Dec 2025 at price of $88k, netting $48k. I have now paid the cap gain tax for that.
My plan is to continue selling $40k worth of bitcoin each year, so that the capital gains tax is not too high and I can pay gradually during each subsequent tax return.
So, the question is:
I current have 3 BTC.
My minimum price for selling is $90k per BTC. I have not sold any in 2026, and comfortable to wait until price (currently at $75k) goes up to $90k, whether that happens this year or next.
Do you all think I can slowly offload all my BTC over the course of next 6-7 years $40k per sale transaction, netting at least $250k overall?
Posted by Ok_Rent_2937
3 Comments
HODL
Its a solid one, but based on the cycle theory, I don’t think we’ll see BTC above 85k this year. Until next year.
Give me your argument to sell rather than borrow against. Is it the ease of selling or the stress of monitoring a margin call?
Say you did a super conservative withdrawal keeping ltv at 1:10.
Is that enough? Just things I wonder and what I ask myself.