I stack first, take a loan and then pay bills
If you can get your income to be 2x your expenses, then you can stack 100% of the income and borrow 40-50% DAI against it to pay bills
For some, this might be hard. If you can get expenses under control though, it’s a game changer. It essentially is like staving off your bills for a future year when crypto is high and you sell collateral to pay debt back
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