I’ve tried trading both Bitcoin and stocks, and I’ve failed at it.
Not because I don’t understand markets, but because I understand myself. Too much reptile brain. FOMO and fear push me into irrational decisions.

So I stopped trading.

Now I save in Bitcoin instead, and I’ve built a simple model that works for me.

I use the power law as a rough guide. When Bitcoin is below fair value, I convert as much fiat as possible into BTC and use Bitcoin‑backed loans for expenses. When Bitcoin is above fair value, I pay down the loan and spend directly from my stack.

This way I stay close to a Bitcoin standard, reduce fiat exposure, and remove most of the emotional decision‑making.

I’m not claiming this is the way — just one way that fits my psychology.
Curious to hear how others think about saving, spending, or living on a Bitcoin standard.