Simply Bitcoin How to Live Off Bitcoin Without Selling It | Mark Moss
Jan 26, 2026
Mark Moss, entrepreneur who builds Bitcoin treasuries and leverages credit and tax strategies. He outlines building a perpetual Bitcoin system without selling coins. Topics include using credit and depreciation to fund purchases, layers of liquidity to avoid forced selling, conservative BTC-backed borrowing, and translating institutional treasury frameworks to personal finance.
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Turn Bitcoin Into Income Without Selling
- Bitcoin is a nonproductive store-of-value, so you must convert it into income via credit, not by selling.
- Leveraging Bitcoin as collateral creates tax-free spending power while preserving compounding.
Set Conservative LTV Rules
- Use conservative loan-to-value rules (e.g., ≤10% LTV) to minimize liquidation risk when borrowing against Bitcoin.
- Backstop possible margin calls with your liquidity layers to avoid forced selling.
Perpetual Bitcoin Machine Concept
- A 'perpetual Bitcoin machine' uses tax depreciation and mining to self-fund annual Bitcoin accumulation.
- The system uses government tax rules to effectively have taxes fund more Bitcoin purchases.
