In November 2021, I had $70,000 at 21 years old. In June of 2022, I had $0 and $5,000 in debt. Here's how I did it.

August 2020 I started DCAing when btc was around 10k. Minimum wage delivery driver. Put everything onto a hardware wallet.

January 2021 holdings already were mind blowing when it hit 25-28k. I discovered Celsius during this time. I removed all the money from my hardware wallet onto celsius, took out loans, redeposited the loaned crypto, and took out more loans against the borrowed crypto.

Kept delivering food, spent every dollar on BTC . Threw it into celsius and kept borrowing against the assets.

August 2021 Parents kicked me out of house. I had about $50,000 of btc and e. I didn't want to cash out because I thought it was going higher. So I lived in my car and continued delivering food. I didn't eat, and instead spent all money earned on BTC and put into celsius.

I lived in my car and delivered food for probably 3 months.

November 2021, I had about $70,000 and a paid off car.

December 2021, 1 month after the top, I applied and got approved for multiple credit cards. I balance transferred probably $7,000 and bought the top.

January 2022, I had $6,000 in a Roth IRA. I cashed out of the Roth IRA and used all that money to put into BTC.

I learned how to use defi, and transfered some money out of celsius onto defi, and thought I was making money.

June 2022 comes around, Celsius runs with all my money. All I had left was whatever money I transferred to defi. I took that money, paid off whatever I could, and moved back in with my parents.

June 2022, I had 0 dollars invested. 0 dollars in cash. $5,000 in credit card debt.

July 2022 I continued delivering food trying to erase the credit card debt. BTC finds new lows, and I had no money to invest.

September 2022 I find a sales job and use the money to pay off the debt and DCA into BTC.

December 2022 I get fired from the sales job for not hitting the numbers but I leave debt free and with 1k cash and 1k dollars worth of btc.

Today, I am back to delivering food living with my parents with no debt, but only 1k cash and 1k dollars of btc to my name.

It is the bottom, only up from here, and I am scrambling to try and get back to where I once was. I don't know if I'll ever be able to get to the BTC stack I once had.

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Lessons learned:

I will only buy bitcoin from now on in terms of currencies.

I will only use a hardware wallet from now on.

I will try to learn to spend money from now on so I don't see $70,000 melt away for nothing.

I will try to learn to diversify just a tad bit more so that way the pain isn't as bad during bear markets.

I will try to resist balance transferring my credit cards, but I truly can't promise myself that I won't do this again in the future, because I really might. (I want to do it right now because I'm convinced we are in a macro bottom)

I will not rub it in people's faces during bull runs and instead try to be generous to other people. During the bull run, I let everyone around me know (friends and family) that I was right the whole time, I outsmarted everyone, I was too good for a regular job everyone that thought they were better than me can never catch up to me, etc etc. Which was a big mistake and now I am the biggest clown during the bear market.

Now I think being generous to people in your close network will build trust, and their trust is a valuable asset, so it's like diversification in a way.

I will try not to watch too many crypto Youtubers. I will admit that watching them did make me money, but it also lost me money. I will try to watch only the quality YouTubers, but also not only watch just 1 or else I might fall into an echo chamber.

I will try not to stare at charts too much anymore. During the bull run, I would refresh prices like i was checking social media.

I will not talk to any friends or family about bitcoin.

I will put some money into a Roth IRA but I will not take it out like last time. But I will still invest a majority BTC.

I will try to find a job so I can buy BTC