Hey all! I'm trying to work through my options in this situation:

I'm selling my house and buying another which will be more expensive. I currently own my house outright with no mortgage, so I will need to come up with the additional cash for my new purchase + closing costs. The way I see it I have three options:

• Sell my bitcoin
• Borrow against my bitcoin
• Take out a small mortgage on the new house

The first option seems like the one I want to avoid. But I'm stuck between taking out a small mortgage or a bitcoin-backed loan. From what I can tell, the APR on my bitcoin loan would be much higher than a traditional mortgage, but many services come with $0 origination fees and some (like Ledn) offer no monthly payment. But I also don't love the idea of using my bitcoin as collateral. I've been around since Blockfi and Celsius and have seen what the risks involved are.

On the otherhand the mortgage feels safer, but the added monthly cost means I'd likely slowly sell bitcoin over time to cover some monthly bills.

Anyone have thoughts on this? Am I thinking about this situation wrong or not accounting for something I should? Thanks!

WE ARE NOT THE SAME!

Has anyone got actual good advice on when to buy? And how much bitcoin is gonna rise in the next 5 and 10 years?

With negative real yields and the broader macro setup, a lot of people are trying to figure out when retail capital actually starts flowing back into Bitcoin in size.

I recently listened to a podcast discussion between Jordi Visser and Anthony Pompliano that made an interesting point: watching retail-driven moves in parts of the market with almost zero institutional participation can act as an early tell for when broader retail interest is returning - which has historically preceded stronger moves in Bitcoin.

The idea is that these areas often light up first when retail is coming back, before it shows up clearly in Bitcoin’s own on-chain data or spot volumes.

Has anyone here tried tracking retail flows or sentiment in other crypto markets as a leading indicator for Bitcoin? Do you find it reliable, or do you prefer sticking strictly to Bitcoin-specific metrics like the 200-day moving average, small-wallet activity, or exchange flows?

Curious what’s worked (or hasn’t) for people in past cycles.