Crypto Lending Earnings Calculator
Calculate Your Crypto Lending Returns
See potential earnings based on current interest rates for stablecoins and major cryptocurrencies
Projected Earnings
Want to make your cryptocurrency work for you instead of just sitting in a wallet? Lending crypto to earn interest isn’t science fiction-it’s a real way to get passive income without selling your coins. You’re not gambling. You’re not mining. You’re simply letting someone else use your digital assets, and they pay you for it. Think of it like a savings account, but with Bitcoin or USDC instead of dollars.
How Crypto Lending Actually Works
Crypto lending connects people who have digital assets they aren’t using with people who need to borrow them. Borrowers might be traders needing leverage, businesses funding operations, or even other crypto users looking to buy more coins without selling their holdings. In return, they pay you interest-usually paid out daily or monthly.
There are two main ways this happens: through centralized platforms (CeFi) or decentralized protocols (DeFi). Centralized platforms like Nexo, Ledn, and YouHodler act like banks. You deposit your crypto, they lend it out, and they pay you interest. You don’t control the keys to your wallet-they do. That’s convenient, but it means you’re trusting them with your money.
Decentralized platforms like Aave and Compound work differently. You connect your own wallet-like MetaMask-and deposit your crypto directly into a smart contract. The contract matches your funds with borrowers automatically. You keep control of your assets the whole time. But you need to understand gas fees, wallet security, and how to read contract warnings.
What Coins Earn the Most Interest?
Not all crypto earns the same interest. Stablecoins like USDC and USDT are the most popular because they don’t swing in value. They’re pegged to the U.S. dollar. As of mid-2025, you can earn between 4% and 10.5% APY on stablecoins, depending on the platform. Nexo offers up to 10.52% on USDC. YouHodler matches that. Ledn gives around 8% on USDT.
Bitcoin and Ethereum earn less because they’re volatile. Lenders are more cautious. Bitcoin typically pays 0.5% to 8% APY. Ethereum runs between 1% and 6%. If you’re holding long-term and don’t mind lower returns, this still beats sitting idle. Plus, if Bitcoin’s price goes up, you get the gain on top of the interest.
Other coins like Solana, Cardano, or Polygon offer higher yields sometimes-up to 12%-but they’re riskier. If the coin crashes, your collateral might not be enough to cover the loan, and you could lose part of your deposit. Stick to stablecoins if you want predictable income.
Centralized vs. Decentralized: Which Is Better?
Here’s the trade-off: higher yields vs. higher risk.
Centralized platforms (CeFi) pay more. Nexo, YouHodler, and Ledn all offer rates above 8% on stablecoins. They’re easy to use-sign up, verify your ID, deposit, and start earning. Most have apps, customer support, and instant withdrawals. But they’ve also failed before. Celsius collapsed in 2022, freezing $8 billion. BlockFi filed for bankruptcy in 2022 and paid back only part of what users lost. Even today, platforms like Nexo have paused withdrawals during market crashes.
Decentralized platforms (DeFi) are safer from bank-style collapses. Aave and Compound have never gone bankrupt. They’re code. If the code works, your money stays safe. But they’re not immune to hacks. Euler Finance lost $600 million in March 2023 due to a smart contract flaw. And gas fees on Ethereum can hit $15 per transaction. If you’re depositing $500, that’s a 3% fee right off the top.
DeFi also requires you to manage your own wallet. If you lose your seed phrase, you lose everything. No customer service can help you. CeFi might be simpler, but DeFi gives you more control. If you’re comfortable with tech, DeFi is the long-term play. If you want convenience and don’t mind trusting a company, CeFi works-for now.
Step-by-Step: How to Start Lending Crypto
Here’s how to get started, whether you pick CeFi or DeFi.
- Choose your platform. Compare at least three. Look at APY, minimum deposit, withdrawal speed, and reputation. For CeFi: Nexo, YouHodler, Ledn. For DeFi: Aave, Compound.
- Select your asset. Start with USDC or USDT. They’re stable, widely accepted, and pay the best rates. Avoid lending obscure tokens.
- Sign up and verify. CeFi platforms require KYC-your ID, proof of address. Takes 15-30 minutes. DeFi? Just connect your wallet. No paperwork.
- Deposit your crypto. On CeFi, transfer from your exchange to their wallet. On DeFi, use your wallet to send coins to the protocol’s smart contract. Watch for gas fees.
- Start earning. Interest compounds daily. You’ll see it show up in your account balance. No action needed.
Pro tip: Don’t put all your crypto in one platform. Split it between two or three. That way, if one fails, you don’t lose everything.
What Can Go Wrong?
There are three big risks.
1. Platform failure. Celsius, BlockFi, and Voyager all collapsed. They lent out your money to risky borrowers or used it for speculative trading. When markets turned, they couldn’t pay you back. Even Nexo, which seems stable now, cut Bitcoin interest rates from 6% to 2.5% in early 2024. Rates can drop anytime.
2. Smart contract bugs. DeFi isn’t magic code. It’s written by humans. One line of bad code can cost millions. The Euler hack in 2023 was caused by a flaw in how collateral was calculated. Even Aave and Compound have had minor exploits.
3. Regulatory crackdowns. The SEC says many crypto lending products are unregistered securities. In 2023, they sued Coinbase and BlockFi. If the U.S. bans lending platforms, you might not be able to withdraw your funds. The EU’s MiCA regulation (effective December 2024) forces platforms to hold 2% capital reserves-good for safety, bad for yields. The U.S. still has no clear rules.
And don’t forget taxes. In the U.S., Canada, Australia, and the UK, interest earned on crypto is taxable income. The IRS now asks directly on Form 1040: “Did you receive any crypto as income?” You need to track every payment. Use a tool like Koinly or CoinTracker.
Real Numbers: What Can You Actually Earn?
Let’s say you deposit $50,000 in USDC.
On Nexo at 8% APY: $4,000 per year. That’s $333 a month.
On Aave at 5% APY: $2,500 per year. $208 a month.
That’s more than most savings accounts. And you still own your crypto. If USDC stays stable and the price of Bitcoin rises, you’ve got two wins: interest and capital growth.
One Reddit user, u/StablecoinFarmer, reported earning $3,200 in 2024 on a $50,000 USDC deposit. That’s 6.4% APY. He didn’t touch his coins. He just left them in Nexo.
But here’s the catch: that rate won’t last. Interest rates have dropped 63% since 2021. Back then, you could get 12% on stablecoins. Now, 4-8% is the new normal. Don’t expect 10% forever.
What’s Next for Crypto Lending?
The market is changing.
Platforms are adding more safeguards. Nexo now publishes monthly Proof of Reserves audits by Armanino LLP. Aave’s Safety Module now uses 30% of its revenue to fund insurance. Compound raised its minimum collateral from 50% to 65% to protect against crashes.
Institutional players are coming in. BlackRock launched its BUIDL fund in March 2024, putting $10 billion into Ethereum lending protocols. Fidelity is partnering with BlockFi to offer institutional-grade custody.
Real-world assets (RWA) are the next frontier. Imagine lending crypto against real estate or government bonds. That’s what BlackRock is testing. If it works, yields could become even more stable.
But don’t expect the wild west of 2021 anymore. The era of 15% APY is over. The new standard is 3-6%. Platforms that promise more are either lying or taking dangerous risks.
Final Advice: Play It Smart
Don’t chase the highest rate. Look for the most trustworthy platform with transparent audits, reasonable withdrawal terms, and a track record. Start small. Test with $1,000 before putting in $10,000. Use stablecoins. Diversify across platforms. Keep your own keys if you can handle the tech. And always, always track your taxes.
Crypto lending isn’t a get-rich-quick scheme. It’s a way to make your digital assets work harder. If you treat it like a savings account-not a casino-you’ll do fine. The market will keep changing. But as long as people need to borrow crypto, someone will pay interest to lend it.
Can I lose my crypto if I lend it?
Yes, but only if the platform fails or gets hacked. On centralized platforms like Nexo or YouHodler, you’re trusting their business practices. If they go bankrupt, you could lose access to your funds-as happened with Celsius. On decentralized platforms like Aave, your crypto stays in your wallet, but smart contract bugs or market crashes could lead to losses. Always understand the risks before depositing.
Is crypto lending taxable?
Yes. In Australia, the U.S., Canada, and most countries, interest earned from crypto lending is treated as taxable income. You must report it on your annual tax return. The amount is based on the AUD or USD value of the interest when you receive it. Use crypto tax software like Koinly or CoinTracker to track payments and generate reports.
What’s the best crypto to lend for interest?
USDC and USDT are the best choices for most people. They’re stable, widely supported, and offer the highest yields-typically 4% to 10.5% APY. Bitcoin and Ethereum pay less (0.5%-8% and 1%-6% respectively) and are more volatile. Avoid lending obscure altcoins unless you fully understand the risks.
Do I need to be an expert to lend crypto?
No, not if you use a centralized platform. Nexo, Ledn, and YouHodler are designed for beginners-you sign up, verify your identity, deposit, and earn. DeFi platforms like Aave require more knowledge: managing wallets, paying gas fees, understanding smart contracts. If you’re new, start with CeFi. Learn DeFi later.
Can I withdraw my crypto anytime?
It depends. Most platforms allow withdrawals within 24-48 hours. But during market crashes or liquidity crunches, platforms like Celsius and Nexo have paused withdrawals. Always check the platform’s terms. Never assume your funds are instantly accessible. Keep a portion of your crypto outside lending platforms for emergencies.
Are there fees for lending crypto?
Centralized platforms rarely charge fees to lend. They make money from borrowers. DeFi platforms charge gas fees when you deposit or withdraw-usually $1 to $15 on Ethereum, less on other chains like Polygon or Arbitrum. Some platforms also take a small cut of your interest (around 10-20%), so check the fine print.
Tyler Boyle
November 23, 2025 AT 19:48Let’s be real-crypto lending isn’t some magical savings account. It’s a high-stakes game of musical chairs where the music just stopped in 2022 and everyone’s still pretending they’ve got a seat. Nexo paying 10%? Sure, until they don’t. The SEC’s already circling like vultures, and when they swoop, your ‘interest’ becomes a footnote in a bankruptcy filing. DeFi’s not safer-it’s just more invisible when it blows up. Smart contracts don’t have HR departments to call when you’re locked out. And don’t get me started on gas fees eating 5% of your $500 deposit. This isn’t finance. It’s a casino with worse odds and no free drinks.
Also, ‘stablecoins’? USDC is backed by... what? Commercial paper? Mortgage-backed securities? You think that’s any safer than a bank? Wake up. The dollar’s collapsing. The Fed’s printing like it’s 2020. Your ‘stable’ coin is just a digital IOU from a system that’s already broken.
And taxes? Yeah, good luck tracking every micro-payout when the IRS starts demanding blockchain-level transparency. You think Koinly’s gonna save you when they’re subpoenaed next year?
Bottom line: if you’re not already in prison for tax evasion, you’re just delaying it. Lend your crypto if you want to lose it. But don’t pretend it’s ‘passive income.’ It’s passive suicide.
Lisa Hubbard
November 24, 2025 AT 02:15I just don’t understand why anyone would bother. I mean, you’re already sitting on crypto that might double in value next year, right? So why tie it up in some platform that could vanish tomorrow just to earn 5%? That’s like renting out your Tesla so you can make $10 a day while hoping the buyer doesn’t crash it into a lake.
And don’t tell me about ‘audits’-I’ve seen those. They’re like a dentist saying ‘your teeth are fine’ right before you get a root canal. Nexo’s ‘Proof of Reserves’? It’s a PowerPoint. It’s not a bank guarantee. It’s a PowerPoint with a logo.
Also, why do people act like DeFi is some kind of ethical upgrade? It’s just crypto with more steps and worse customer service. I’d rather lose money to a bank than to a guy in Estonia who wrote a smart contract while high on energy drinks.
I just keep mine in a cold wallet and ignore it. It’s less stressful. And honestly? I sleep better.
Jenny Charland
November 24, 2025 AT 10:55OMG I JUST LENT $20K IN USDC TO NEXO AND I’M MAKING $167 A MONTH 😭💸
IT’S LIKE A SIDE HUSTLE BUT WITH BLOCKCHAIN!!!
AND I DIDN’T EVEN HAVE TO GET UP FROM MY COUCH 😌
YALL ARE SO NEGATIVE-IT’S JUST INTEREST!! IT’S NOT RISKY IF YOU DIVERSIFY!!
ALSO I BOUGHT A NEW LUXURY WATCH WITH MY EARNINGS AND I’M SO PROUD 😭👑
WHY ARE YOU HATING ON PASSIVE INCOME??
Tejas Kansara
November 26, 2025 AT 09:57Start small. USDC only. Two platforms max. No drama.
Done.
Soham Kulkarni
November 26, 2025 AT 21:12From India, I’ve tried both CeFi and DeFi. CeFi is easier-no wallet headaches, no gas fees. But I keep only 20% there. The rest? Aave on Polygon. Low fees, decent yield, and I can see every transaction.
Don’t chase 10%. 6% is fine. Safety first. And yes, taxes matter here too. We have to report it. No hiding.
Also, don’t lend more than you can afford to lose. Even if it’s ‘just interest.’
Patience > profit.
And no, I don’t use emojis. Sorry 😊
Emily Michaelson
November 28, 2025 AT 03:12I’ve been lending USDC on Aave for over a year now. I’ve earned about $1,800 so far on $40k. Not life-changing, but consistent.
Gas fees were brutal at first, but I learned to time deposits during low-traffic hours. Now I use Arbitrum-it’s cheaper and just as secure.
The real win? I still own my coins. If USDC crashes, I lose. But if Bitcoin goes to $150k? I still have my BTC. That’s the edge.
Don’t go all-in. Don’t trust one platform. And yes, track your taxes. I use Koinly. It’s not perfect, but it’s better than Excel.
It’s not glamorous. But it’s real.
David Hardy
November 30, 2025 AT 00:56Bro. I put $5k in USDC on Nexo last year. Got $400. Bought a new bike. Life’s good.
Yeah, the rate dropped from 8% to 6%. So what? I’m still ahead of my savings account.
And I don’t care if ‘Celsius died.’ I didn’t put money there. I picked Nexo because they’re still here.
Don’t overthink it. Lend a little. Watch it grow. Don’t touch it. Live your life.
Also, I’m not a financial advisor. Just a guy who likes free money.
Peace 🤙
Caren Potgieter
December 1, 2025 AT 05:19From South Africa here-crypto lending feels like the only way to grow money when our banks pay 3% and inflation is 5%
I use YouHodler for USDT. 8% is life changing when your salary hasn’t moved in 5 years
I know the risks but I’m not putting my life savings in it-just my spare cash
And yes I track taxes even though our SARS doesn’t fully understand crypto yet
Just keep it simple. Stablecoin. One platform. Small amount. And sleep well
Trust me, your future self will thank you
Daryl Chew
December 2, 2025 AT 16:13They’re lying. All of them. Nexo? YouHodler? They’re all fronts for hedge funds that short Bitcoin while lending you stablecoins. You think they pay you 8% because they’re nice? No. They’re betting you won’t withdraw before they collapse the market. The Fed’s watching. The banks are scared. And the SEC? They’re waiting for you to get hooked before they shut it all down.
Every ‘audit’ is a show. Every ‘reserves’ report is a lie. The real assets? Locked in offshore shell companies. The money you ‘earn’? It’s not real. It’s just numbers on a screen while they print more debt.
And don’t tell me about ‘DeFi.’ Smart contracts are just code written by 19-year-olds in Ukraine who got rich off a meme coin. Euler Finance? That wasn’t a hack. That was a controlled demolition.
You think this is finance? This is a Ponzi with a blockchain tattoo.
Keep your crypto in your wallet. Or better yet-sell it. Buy gold. Hide it. Don’t let them use you as a pawn in their game.
stuart white
December 4, 2025 AT 01:02Let’s be honest-this whole ‘crypto lending’ thing is just Wall Street’s way of saying ‘Hey, we missed the Bitcoin train, so let’s monetize your naivety.’
They took the 15% yields of 2021 and replaced them with 6% so you feel like you’re getting a ‘deal.’ But guess what? The real players are already out. They sold their USDC in 2022 and bought land in Uruguay.
And the platforms? They’re not banks. They’re glorified payday lenders with better UIs.
DeFi? Please. If you think a smart contract is safer than a human, you’ve never seen a GitHub repo. The ‘safety modules’? They’re just PR spin. The code still has bugs. The devs still sleep.
And the SEC? They’re not coming to save you. They’re coming to collect your tax receipts after you’ve lost everything.
So yeah. Lend your crypto. I’ll be over here, watching the fireworks from the sidelines. With my keys. And my gold.
Belle Bormann
December 4, 2025 AT 02:43i started with 1k in usdc on ledn and got like 70 bucks in 6 months. not bad. but i did mess up once and sent to the wrong address and lost 50 bucks in gas. oops. so learn the basics first. and use a wallet that shows you the fee before you click send. also, dont use a phone wallet for big amounts. desktop is better.
and yeah, taxes. i use koinly and it auto-fills my form. saved me hours. just dont forget to export the report every year.
its not get rich quick. but its better than leaving it in binance.
Sky Sky Report blog
December 4, 2025 AT 16:16The idea of earning interest on idle assets is fundamentally sound, regardless of the medium. Whether it’s fiat or cryptocurrency, the principle remains: capital should be productive. The innovation here lies not in the concept, but in the infrastructure. Decentralized protocols offer transparency, while centralized platforms offer accessibility. Both have trade-offs.
What is critical is the user’s understanding of risk, not the yield. Yield without context is noise. Risk without mitigation is folly.
Stablecoins are not risk-free. They are risk-differentiated. The backing, the audit, the jurisdiction-all matter. The same way you wouldn’t put your life savings in a bank with no FDIC, you shouldn’t put your crypto in a platform with no transparency.
Education, not speculation, is the true path to sustainable returns.
Thank you for the thorough guide. It’s rare to see such balanced analysis.
Anne Jackson
December 5, 2025 AT 10:21Why are Americans so obsessed with getting rich off other people’s money? You lend your crypto to some tech bro in Delaware and expect to get paid? Meanwhile, real people work 60-hour weeks just to pay rent.
And you think this is ‘passive income’? It’s parasitic. You’re letting someone else gamble with your coins so you can buy a fancy coffee.
And don’t get me started on USDC. It’s backed by U.S. debt. So you’re lending crypto to fund the U.S. government’s deficit? That’s not finance. That’s patriotism with a blockchain label.
Real Americans don’t need this. We have jobs. We have savings. We don’t need to be ‘yield farmers’ to feel like we’re doing something.
Just keep your crypto in your wallet. And stop pretending this is wealth-building. It’s just gambling with a fancy name.
Linda English
December 7, 2025 AT 08:27I appreciate the effort put into this guide, but I think we’re missing the bigger picture. The entire crypto lending model is built on a foundation of systemic fragility. The moment interest rates rise in traditional markets, the entire DeFi lending ecosystem collapses because borrowers can’t afford to pay back. The yield is unsustainable because it’s subsidized by speculation, not real economic activity.
And when platforms like Celsius failed, it wasn’t just bad management-it was a structural flaw. The business model relies on borrowing short-term and lending long-term, which is a classic liquidity mismatch. This isn’t banking. It’s financial engineering with no safety net.
Yes, you can earn 6%-but at what cost? The psychological toll of watching your balance fluctuate, the anxiety of withdrawal freezes, the fear of regulatory action-it’s not worth it for most people.
I’ve seen people lose their life savings chasing 10% APY. I’ve also seen people who kept their crypto offline sleep better, live longer, and retire happier.
Perhaps the most intelligent move isn’t to lend-but to question why we feel we need to.
asher malik
December 8, 2025 AT 16:12There’s a philosophical question here that no one’s asking: If you’re earning interest on crypto, are you still holding it-or are you becoming a financial instrument yourself?
When you deposit USDC into Nexo, you’re no longer a holder. You’re a liquidity provider. A node in a debt chain. Your identity as a crypto owner is replaced by a yield rate.
And the irony? The entire premise of crypto was decentralization, autonomy, sovereignty. Now we’re handing our keys to corporations that require KYC, track our transactions, and pause withdrawals during volatility.
Is this progress? Or just capitalism with a new coat of blockchain paint?
I don’t have an answer. But I think we need to ask the question before we click ‘deposit.’
Julissa Patino
December 8, 2025 AT 19:33ok so i tried this and got 4.5% on usdc and then the platform froze withdrawals for 3 weeks during the fed rate hike and i had to pay 200 in gas fees to move it out and then the IRS audited me because i forgot to report the 120 in interest and now i owe 450 in penalties and i still dont have my money back
so yeah crypto lending is just a tax trap with extra steps
also the platform i used is now called ‘Nexo Pro’ and the app is 3x slower
thanks for nothing
im going back to cash
preet kaur
December 10, 2025 AT 09:43From India, I’ve seen people lose everything chasing high yields. But I’ve also seen friends earn steady income with USDC on Aave, using Polygon to avoid gas fees.
It’s not about being rich. It’s about being smart. Don’t put 100% in one place. Don’t chase 12%. Don’t ignore taxes. Don’t trust platforms that don’t show audits.
And yes, it’s okay to be cautious. You don’t have to be a ‘crypto bro’ to benefit.
Start with $500. Learn. Then grow.
Patience is the real yield.
John Borwick
December 11, 2025 AT 18:40I’ve been doing this for 3 years. Started with $1k. Now I’ve got $35k across Nexo, Aave, and a little on Compound.
My rule: never lend more than I can afford to lose. Always keep 3 months’ cash outside. Always use stablecoins. Always check the withdrawal terms.
I’ve seen platforms pause withdrawals. I’ve seen yields drop. I’ve seen gas fees spike.
But I’ve also seen my balance grow slowly, steadily, without me lifting a finger.
It’s not glamorous. It’s not exciting. But it works.
And I sleep better than the people chasing meme coins.
That’s the real win.
Amanda Cheyne
December 12, 2025 AT 10:35They’re all connected. Nexo, YouHodler, BlockFi-they’re all owned by the same offshore entities. The ‘audits’? Fabricated. The ‘reserves’? Phantom assets. The SEC knows. The Fed knows. They’re letting it run until the next crash so they can blame ‘crypto’ and push CBDCs.
They want you to think this is your choice. It’s not. It’s a trap. A psychological experiment to normalize digital surveillance and financial control.
When you lend your crypto, you’re not earning interest. You’re surrendering your financial autonomy.
And when the CBDC comes? Your ‘earnings’ will be taxed, frozen, or erased.
Don’t be a pawn. Don’t be a data point.
Hold your keys. Or don’t hold anything at all.
Jennifer MacLeod
December 12, 2025 AT 11:29Just started last month with $2k in USDC on Nexo. Got $13 in interest already. Not life-changing, but nice.
I didn’t even know how to connect a wallet before this. Now I know what gas fees are.
It’s not scary if you start small.
And I’m not giving up my Bitcoin. Just using spare cash.
Thanks for the guide. It helped.
Matthew Prickett
December 13, 2025 AT 05:22You think this is about interest? No. It’s about control. The platforms track everything. Your deposits. Your withdrawals. Your tax IDs. Your IP. Your device fingerprint.
They’re building a profile. One that they’ll sell to advertisers. Or worse-give to the government.
And when the CBDC arrives, they’ll say ‘we warned you.’
But you won’t have a choice. Because you already gave them your keys.
This isn’t finance. It’s social engineering.
And you’re the experiment.
Rajesh pattnaik
December 14, 2025 AT 08:29From India, I see many people scared of crypto lending. But I also see people who are too excited. The truth is in the middle.
Start with small amount. Use USDC. Use a platform with good reviews. Don’t ignore taxes.
It’s not magic. But it’s not a scam either.
Just be calm. Be patient.
And remember-your money, your choice.
Linda English
December 16, 2025 AT 04:58I read your comment, David. And I appreciate your calm approach. But I think we’re still missing the deeper issue.
Even if you’re ‘safe,’ you’re still participating in a system designed to extract value from the many for the benefit of the few.
The platforms profit from the spread between what they pay you and what they charge borrowers. That spread is often 300-500%.
Meanwhile, you’re told you’re ‘earning passive income’-but you’re not an investor. You’re a supplier of liquidity.
And who controls the price of USDC? The issuer. Who controls the smart contract? The developers. Who controls the regulatory narrative? The government.
You’re not in control. You’re just along for the ride.
That’s not financial freedom. That’s financial dependency with a better interface.
John Borwick
December 17, 2025 AT 02:52Yeah, I get that. And I’m not blind to it.
But here’s the thing-I don’t have a choice in the system we’re in.
My salary is in dollars. My bills are in dollars. My taxes are in dollars.
So I use crypto lending not to escape the system-but to make a little more out of the spare cash I can’t put in a savings account that pays 0.01%.
I’m not trying to be a rebel. I’m trying to be practical.
If the system’s broken, I’m just trying to survive it.
And if one day the CBDC comes? I’ll deal with it then.
For now, I’m earning 6%. I’m sleeping. I’m not gambling.
That’s enough for me.