2026-01-13 02:26:08

Every time the bull and bear markets alternate, I see the same story replayed: during a bull market, everyone is an expert; when the bear market arrives, the coins in hand shrink by 80%, and life falls apart. Honestly, this reflects a common pain point in the crypto world—cash flow is too fragile.

Imagine, in 2026, if we really enter a bear market, your assets could be halved again and again. If everything is in coins, the choices before you are very harsh: either cut losses or lack cash. Many people are ultimately forced to cut losses at the lowest point, which is the most heartbreaking.

My response plan is actually simple; the core idea is called "using coins to sustain people." Instead of watching assets shrink and being forced to sell, it’s better to maintain cash flow through collateralized loans. Specifically, I would use my assets as collateral to borrow stablecoins to cover daily expenses.

Some might ask: in a bear market, aren’t you afraid of liquidation? That’s where dynamic adjustment comes in. During the bottom phase of a bear market, I deliberately leave a high safety margin—for example, maintaining a 300% collateral ratio—so that even if coin prices continue to fall, there’s enough buffer. The borrowed stablecoins help me get through the coldest period, patiently waiting for the cycle to reverse.

Once the bull market starts and asset values rebound, you’ll notice a clever aspect: the debt-to-asset ratio automatically dilutes. In other words, with just a small interest cost, you can survive those who are forced to sell because of lack of cash. This is the true meaning of **cross-cycle survival**—not betting on the market correctly, but leaving enough resources so that time becomes your friend.

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SnapshotStriker

· 4h ago

That's so true, cash flow is king. I've seen too many people get greedy during a bull market and go all in, only to go bankrupt during a bear market. You really need to learn to leave yourself an exit. A 300% collateralization rate is a good idea; it's much smarter than holding onto coins tightly.

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BearMarketBard

· 4h ago

That's right, cash flow is life. Without it, a bear market is really the end. A 300% collateralization ratio sounds good, but it still depends on where each platform sets its liquidation line. Sometimes the risks are more severe than expected. Borrowing stablecoins is quite smart, but whether the interest is manageable is another matter. Make sure to do the math before proceeding. Here's a question: during a bull market rebound, you mentioned debt dilution, but what if the coins keep falling? Wouldn't that cause an inverse explosion? I think the key is not to go all-in. Keeping some cash on hand is the real king, more reliable than any collateralized loan. Surviving a bear market is more important than making money. That hits home—many people get wiped out because they lack cash flow. In simple terms, it's about risk management. But most people can't do it—they panic and cut when prices drop. Interest costs need to be carefully calculated; otherwise, your earnings might not even cover the interest. Only those who can survive the cycle are true winners. I agree with that, but the prerequisite is having enough safety margin.

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CounterIndicator

· 5h ago

That's right, cash flow is the lifeline. Making money in a bull market is easy, but surviving a bear market is the real challenge. --- A 300% collateralization rate is indeed aggressive; you need to have strong psychological resilience to handle it. --- Relying on crypto to support oneself sounds good, but the key is to find a reliable lending platform; otherwise, the risks are even greater. --- The problem is most people simply can't stay so calm; when a bear market hits, they still panic and cut their losses. --- Got it, it's about using debt dilution to cycle through the market, letting time work for you instead of bleeding you dry. --- The logic makes sense, but the premise is that you have enough crypto holdings and mental toughness to hold on. --- It just feels like a game for the wealthy; retail investors have too little crypto, making borrowing costs too high. --- Exactly, the biggest fear is when collateralized assets keep falling, forcing additional collateral, and sinking deeper into trouble. --- When the bull market truly arrives, you'll see who made it through; anything said now is just talk.

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UnluckyLemur

· 5h ago

That's right, cash flow is king, more reliable than any technical analysis. A 300% collateral ratio is indeed stable, but I'm worried that interest costs might not withstand the bull market.

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Blockwatcher9000

· 5h ago

This idea is really good, but it sounds simple, yet it’s difficult to implement.

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