Bitcoin Lifestyle Wuguan
Master the three paths of Bitcoin strategy — find balance between offense and defense, like a true master!
This tool compares three paths for living off your Bitcoin long-term — deterministically, transparently, with all risks visible. The Humble sells BTC to cover costs. The patient Tiger borrows against BTC, never sells. The Dragon Strike borrows more and buys additional BTC with the surplus. Adjust your starting position on the left — charts and tables instantly show which path fits your assumptions and where the dangers lurk.
Path of Net Worth
All three paths compared over time. Shaded zones = LTV warning (yellow) / liquidation (red).
BTC Holdings Over Time
V0 falls (sells), V1 holds flat, V2 grows (buys more) — until liquidation.
⭐ BTC Netto (after debt)
What would remain if you paid off debt now? The „healing point" of borrow strategies.
Total Debt Over Time
V1 rises monotonically. V2 split: living (light) + leverage (dark).
LTV Over Time
Yellow = warning at 70 %, red = liquidation at 83 %.
The Final Decision!
| Metric | V0: Humble | V1: Tiger | V2: Dragon |
|---|---|---|---|
| Final BTC holdings | 0.00 BTC | 2.00 BTC | 8.54 BTC |
| Final debt | €0 | €1.190.697 | €3.572.092 |
| Final BTC value | €0 | €3.833.760 | €16.363.322 |
| Final BTC netto | 0.00 BTC | 1.38 BTC | 6.67 BTC |
| Final net worth | €0 | €2.643.063 | €12.791.230 |
| Highest LTV | — | 73.6 % | 74.8 % |
| Warn-LTV triggered? | — | Year 5 | Year 3 |
| Liquidation? | — | — | — |
| BTC exhausted? | ✕ Year 6 | — | — |
| Total interest paid | €0 | €447.198 | €1.341.593 |
🎯 Wuguan Wisdom
BTC does not grow at a constant 20 % per year — Bitcoin's price is subject to strong volatility. These numbers assume smooth growth. In reality, a 50 % drawdown can trigger liquidation in Variant 2 regardless of long-term trend — faster than a dragon strike. Always model worst-case scenarios.