Once you pay those bills with your paycheck, you never have access to that money again. A line of credit is a cash flow tool. This tool won't work if you spend more than you earn. You will end up upside down and probably lose your bitcoin. If you live within your means, this tool is potentially very powerful and allows you to accumulate wealth faster while not being strapped for liquidity. Obviously the safest and most conservative way would be to get paid, pay your bills, buy bitcoin with what's left, and self-custody said bitcoin. However then you are potentially living paycheck to paycheck and not maximizing your DCA . I would strongly advise against a line of credit if you spend more than make.