My $20 per week Bitcoin Experiment - Why?

Hey there! And welcome. Have you come again to read what nonsense I have to say? Well then, buckle up and please excuse my grammar.

I may have a deep love for statistics and data overall, but statistics has never loved me back. But I'm a slow learner, so I haven't given up on courting statistics yet. That being said, I began June 2024 with an experiment to buy $20 worth of Bitcoin (BTC) every week. Do the math, with Bitcoin at $115,400 per BTC, it appears I'm not such a bad investor after all. Well, that experiment wasn't just because I wanted to see what could happen. No, it was because my theory around Bitcoin sees it going even higher than it is. And I will explain why below and in very simple terms so anyone can understand.

The above graph just shows you that $20/week Bitcoin purchases since June 2024 (66 weeks) total $1,320 invested, with approximately 0.01652 BTC accumulated. At the current Bitcoin price of about $115,400 (as of September 15, 2025), my BTC holdings are worth about $1,906, a +44.4% return (+$586 profit). At 44%, I think I can run a hedge fund, my friend (kidding) 

"The economic reset always warranted someone bold in the Oval Office. I don't care how you look at it, but the plan is already in motion, and nothing will stop it. Another liquidity injection is on the way, the dollar digs deeper, gold pushes higher, Bitcoin pushes higher, and the ignorant common man loses whatever they thought they had saved up. Debt piles up, inequality rises, system crashes, and the fittest survive like they have done in history."  Acha

Let's explore the why. I wrote a post before outlining why I invest based on the talk around interest rates in the United States of America. I also wrote a post back in 2020 talking about my first entry into the world of cryptocurrencies. As a novice that I was and still am (relatively speaking, mate, haha), I lost a lot of money I invested in crypto in 2020, 2021, and 2022. I know you're wondering why it ended in 2022, because I was broke, mate, haha. I'm that kind of person who likes to seek the why, and for that reason, I started researching, and my journey of reading economics and finance books began. I have never looked back for all the right reasons. I'm a bit more conservative and risk-averse now, so I don't think I'll ever repeat the errors of 2020-2022. But why? COVID-19 had gripped the world like I once grabbed a bully by the balls (lol). While the world was in shutdown, governments all over began increasing the money in circulation by printing and supplying all of us so we could afford to feed ourselves. Here's why that move was a move you don't make on the chessboard. Any single dollar in circulation is (in theory) supposed to be producing a dollar's worth of goods or services. What happens if you increase the dollars in circulation and no one or very few are producing goods and services? Yes, it's like blowing air into a balloon. You inflate the damn thing. I just defined inflation, mates, haha.

In 2022, the governments of the world had a reality check. Inflation was through the roof, and life was coming back to normal. People had money to spend, but because very few goods and services had been produced till then, it became a survival of the fittest. Grade A products are super expensive, right? Well, at this time, even the lowest grade of products was in high demand. Now the money people (mostly common folks) had couldn't survive them as they were priced out. One president in America lost an election partly because of this (not entirely his fault, though). That's how bad things got, and like most people, they needed someone to blame. Then, prices of even eggs became unaffordable or felt like a stretch. I just gave another definition of inflation again, mate, haha. Now, governments had to turn to their central banks and plead for them to fix the inflation problem. It's going to get complex, so let me keep it simple. You and I only enjoy because banks can enjoy. The banks enjoy it when they can lend money to businesses or borrowers who, in return, pay them interest. When the central banks want the economy to slow down, they increase how much of reserve deposits banks have to keep each day and then go further to increase the interest these banks have to pay to borrow money.

Yes, banks borrow a lot. The money in your bank account has been loaned out to whoever can best utilize it to create value, and that is how businesses operate daily. They are all borrowers. Consider this: if I increase the interest rate you pay for borrowing my money, will you continue to borrow? No! Exactly what I knew you would say. Therefore, when businesses and banks can't borrow, they lay off workers and seek ways to reduce costs. This is how the central banks slow the economy. They signal and eventually deliver high interest rates. This is why stock prices and prices of Bitcoin and other cryptos began to nosedive in 2022. You bet I didn't know this, and you'll be right. In fact, I had invested most of my money just before the period when interest rates began heading higher. Lord and behold, I was so broke I sold all my assets (BTC, etc.) at a massive loss. By the end of 2023, I was still suffering from those losses, and guess what? Rumors began circulating that interest rates would start going down. That is, the economy was about to head higher. Since then till now, interest rates have been going down, and the mother of all central banks (The United States Federal Reserve), known as the Fed, is probably going to lower those rates again this week. You get the point now, right?

For slow learners like me, all I'm saying is, when rumor and data suggest that interest rates will go down, the stock market goes higher, and Bitcoin too. We don't need a degree in economics, financial advisor, etc., to lecture us on this. Just read a little about money and you'll figure this out. An economy that runs on debt like that of this world behaves like this. You don't need to know the exact time, like I just demonstrated with the $20/week BTC buying. I only began that experiment in June 2024, when the rumor began in early 2023. The Fed subsequently delivered the first interest rate cut sometime around September 2024. I saw the data, but most importantly, followed the rumors because in financial markets, money moves before the real reason hits the news. I'm not saying I know the ins and outs, but money is what it is because of interest rates (the debt trap).

You're right for reasoning that I should sell my Bitcoins and other investments when interest rates and inflation start clashing again. But no! The real reason I buy $20 per week and other amounts with different styles is because money as we know it is changing, and Bitcoin is one way out. That is a post for another day, and till then, take good care of yourself and stay blessed.