# Saylor Junior: A Bitcoin Pleb-Level Speculative Attack

A short look at the math behind loans might show the benefit of loans versus the classic dollar-cost average strategy.

This is an opinion editorial by Mickey Koss, a West Point graduate with a degree in economics. He spent four years in the Infantry before transitioning to the Finance Corps.

As bitcoin’s price crashes, I found myself thinking about Michael Saylor and his strategic use of debt to outstack basically everyone else in the world. It got me thinking, maybe I could do something similar. A pretty standard dollar-cost averaging (DCA) is a daily buy to the tune of \$20–\$25 a day for a pleb on a budget.

The question I had is what it would look like if I were to convert a \$20 daily DCA into a debt payment and bring those future sats into the present.

To compare the two, I got a quote for a personal loan, getting as close to the \$20 a day DCA payment as possible. The actual quote is below.

The price at the time of this writing is \$22,180. Let’s assume a \$25,000 bitcoin price, just to add a little conservatism into the calculation.

At \$25,000, a \$36,000 loan will grant you 1.44 bitcoin. If you multiply the \$605.26 monthly payments by the 84-month loan term, you can see that the loan will cost you \$50,841.84.

If we divide \$50,841.84 by 1.44, we get a bitcoin price of \$35,306.83 for you to break even when compared to the cost of the loan. If you think bitcoin will be above \$35,000 in seven years, this seems like a pretty good deal to me.