If one day Bitcoin surges to $100,000, and you're still regretting selling those dozens of BTC years ago, that feeling can really be overwhelming.

This is the most heartbreaking story in the crypto world. Around 2020, many people thought BTC wouldn't go up anymore, or they were eager to buy a new car or improve their lives, so they sold off those "useless Bitcoins." Now? That car has already depreciated by half, while those Bitcoins could have bought an entire fleet. This kind of **consumption FOMO** is truly the biggest killer preventing ordinary people from turning their lives around. We often give up the core assets that could appreciate hundreds of times in the future just for a bit of vanity and comfort in the present.

But thinking this way is too absolute. Who doesn't want a nice car? Who doesn't want to improve their quality of life? The key is how to do it.

The answer is actually to use future gains to satisfy the present. For example, collateralize long-term bullish assets like BTC or BNB into DeFi protocols and borrow stablecoins. These stablecoins then become your spending funds. Want something? Use stablecoins to buy it. Although you pay interest during the process, as long as the appreciation of the underlying assets can cover the borrowing costs (which is highly probable in the market), your consumption is essentially free. Even more impressively, because your assets continue to appreciate, you not only enjoy it for free but also see your net worth increase.

This is the true logic of the wealthy—never touching the principal, only spending the liquidity derived from assets.

Rather than holding onto the chicken coop and not daring to move, it's better to let the chickens keep laying eggs to satisfy your desires. That's the difference.