Phase 1: How to Reach €100,000 in Two Years with Crypto and Smart Leverage
When you start from zero, saving €500 or €1,000 a month can feel almost pointless. You do the math: €500 per month is €6,000 a year, €12,000 in two years. Even with a decent return, you’re still miles away from €100,000. That’s where most people give up, believing the game is reserved only for high earners. But it isn’t. The difference between someone who takes ten years and someone who does it in two lies in the strategy used during this first phase.
The goal here is not to diversify broadly or to protect capital that doesn’t yet exist. The goal is to multiply what you have in the shortest time possible. To do this, you need two ingredients: assets with asymmetric potential (crypto) and, at very specific moments, controlled leverage.
Imagine you set aside €1,000 every month. Over two years, that’s €24,000 invested. If you simply put it in a classic index fund like the S&P 500, earning 7% annually, you’d end up with just over €26,000 after two years. Solid, but nowhere near €100,000. The math is clear: compounding alone won’t get you there. You need a multiplier. In 2025, that multiplier is crypto.
Here’s the structure: about 70% of your money goes into Bitcoin and Ethereum, plus a block of solid altcoins such as TIA, ATOM, or AKT—infrastructure projects with the potential to multiply during a bull cycle. Another 20% goes into traditional ETFs like CSPX (S&P 500) or CNDX (Nasdaq 100). These won’t make you rich fast, but they reduce your dependency on pure crypto volatility. The final 10% goes into gold via an ETF like SGLN, as a hedge against unexpected shocks.
That gives you an aggressive but realistic portfolio. But the real accelerator is using moderate leverage at the right moments. This doesn’t mean x50 leverage in a casino-like futures trade. It means concentrating 20–30% of your portfolio in x3 or x5 positions in BTC or ETH only when the trend is clearly bullish. Done well, this block can turn linear growth into exponential results.
Let’s run the numbers. With €24,000 invested over two years:
Your ETFs and gold might generate around €5,500 in returns.
If Bitcoin and Ethereum double, your €9,600 block becomes €19,200.
If your altcoins triple, your €7,200 block turns into €21,000+.
If your leveraged BTC positions add another €15,000–20,000, you’re suddenly sitting between €90,000 and €110,000.
This isn’t a guarantee—it’s a possible scenario if you apply the strategy intelligently. The risk is real: enter with leverage at the wrong time, and you can lose fast. That’s why the rule is strict: leverage only in BTC and ETH, never in small altcoins, and always with defined stop-losses.
The message is simple: if you want to reach €100,000 in two years while contributing just €500–1,000 a month, you can’t play the conservative game. You won’t get there with a 7% annual return in a global ETF. You need to combine disciplined contributions with high exposure to crypto and tactical leverage. Yes, it’s riskier. But it’s also the only realistic path to achieve that goal in such a short timeframe.
Phase 1 is not about protecting wealth. It’s about building it. The biggest risk isn’t losing 20% in a downturn—it’s never trying, and being stuck for a decade in a strategy that never gets you out of the starting line.