TIME TO READ: 5 MINUTES

Hey Friend,

If you're like me, you're absolutely inspired and impressed by what Michael Saylor is doing. 

The good news is what he's doing with Strategy, you can do personally. 

He's building a Bitcoin treasury that becomes a perpetual leverage engine. Borrow against it for income. Never sell. Let it compound for 20+ years while funding the business tax-free.

You can do the exact same thing with your personal wealth.

Today, I'm going to show you how.

MAIN FEATURE

The Bitcoin Treasury Playbook: Building Your Personal Strategic Reserve

This isn't theory.

This is the strategy I use. The strategy wealthy families are building right now. The strategy Michael Saylor described to me over dinner in Prague as "a once-in-a-thousand-year opportunity."

And he's right.

Here's the framework.

The Personal Treasury Strategy

Step 1: Accumulate Bitcoin as your base treasury asset.

Not a trade. Not a speculation. Your treasury.

Step 2: Target 30%+ annual appreciation.

That's conservative compared to Bitcoin's 60–85% historical average. But even at 30%, the math is ridiculous.

Step 3: Borrow 10–15% LTV annually for income.

You're not selling. You're borrowing against an appreciating asset.

Step 4: Roll the debt every 1–2 years as BTC appreciates.

As your Bitcoin grows, you borrow more, pay off the old loan, and keep the difference.

Step 5: Never sell. Never trigger capital gains. Never deplete.

This is the game.

The Math

Let me show you what this looks like in practice.

Year 1:

You hold $1M in Bitcoin.

You borrow $150K at 15% LTV.
That's $150K in tax-free income.

Year 2:
Bitcoin grows to $1.3M.
You borrow $195K, pay off the $150K loan, keep $45K.

Year 3:
Bitcoin grows to $1.69M.
You borrow $253K, pay off the $195K loan, keep $58K.

Now run this out 20 years.

Total income withdrawn: $3M+
BTC value: $60M+
Coins sold: 0

You never sold. You never paid capital gains. You never depleted the treasury.

That's the playbook.

Risk Mitigation

Here's what keeps this from blowing up:

Custody: Use institutional-grade custody (Anchorage, Unchained, Fidelity).

LTV limits: Never borrow more than 20–30% against volatile assets.

Cycle awareness: Borrow in calm markets, not at the peak.

Insurance: Multi-sig, cold storage, no single points of failure.

The wealthy don't take dumb risks. They take calculated, systematic risks with guardrails.

Why This Matters Right Now

This strategy does three things most people never figure out:

1. Makes Bitcoin actionable beyond "HODL."
You're not just holding. You're building a perpetual income machine.

2. Answers the "when do I sell?" question.
You don't.

3. Turns Bitcoin into your family's treasury for generations.
Not a trade. Not a gamble. A system.

If you're confused or skeptical about any of this, I actually made a workbook that walks you through this. It's a 12-week plan to help you take action and customize it to your exact scenario. 

It's free. You can grab a copy here.

TODAY'S VISUAL

The Treasury Doctrine: From Assets to Operating System

Here's what most people miss about what I just showed you:

What's more valuable: $5 million in Bitcoin, or the system that created it?

Money disappears in three generations.

Not because heirs are stupid.

Because they inherit assets without the system that created them.

The wealthy don't inherit money. They inherit systems.

The systems create money forever.

This is what I call the Treasury Doctrine.

It's not about how much you have. It's about building an operating system that turns assets into perpetual wealth velocity.

The Four Core Principles

Principle 1: Never Sell the Treasury

Your Bitcoin is not for spending. It's the engine that generates spending power.

You borrow against it. You never sell it.

Principle 2: Leverage Creates Liquidity Without Loss

You don't need to liquidate assets to access capital.

You need leverage with positive carry.

Principle 3: Time and Compounding Beat Timing

Stop trying to time the market.

Start building a system that works across cycles.

Principle 4: Wealth Is a System, Not a Number

$10 million in assets with no system is a golden prison.

$1 million in assets with a treasury system is generational wealth.

If you want to go deeper on this, the treasury doctrine worksheet also helps you create your own wealth engineering principles.

It walks through exactly how to build systems that compound, not just assets that sit there.

Download the free Wealth Engineering guide here →

This is the foundation. Everything else builds on top of it.

THOUGHT OF THE DAY

My Crashed Lamborghini Lesson

I made a post on LinkedIn recently about how I totaled my Lamborghini and actually came out ahead on the deal. (You can see the pictures here.)

How?

Because I bought it by leveraging my Bitcoin.

Now, I'm not advocating smashing your car. But it's unfortunately proof that my treasury model is anti-fragile.

The post sparked a firestorm in the comments. Lots of big opinions—supporting me and against me.

I'm going to do a follow-up post and address some of the common reactions.

If you saw the post, I'd be interested to hear your thoughts on how I should respond.

Hit reply and let me know what you think. I read every response.

TODAY'S LINKS

The Titanic Analogy You Need to See

I did an interview with Larry Lepard last week.

He said our financial system is like the Titanic, and Bitcoin is the lifeboat.

They're selling seats, but people are complaining that tickets were cheaper last year.

The ship is sinking. Just pay the fee and get on the boat.

Larry shared an awesome video that illustrates this, complete with Michael Saylor rowing the boat.

It's short. I think you're going to love it.

Watch it here →

WRAPPING UP

Remember, focus on the treasury, not the trade.

The goal isn't to get rich quick.

The goal is to build a treasury that funds your life for decades. Tax-free, perpetually, without ever selling.

That's the system Michael Saylor is building Strategy.