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.

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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.

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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.