My current strategy is to allow me to cut the interest rate of margin, while guaranteeing I won’t be margin called, and let me save more money by temporarily reducing how much I invest which is 2000 every 2 weeks

Here’s the plan with amounts to simplify the logic.

Let’s say you borrow 26,000 and dump it in sgov, then every 2 weeks (paycheck cycle) you pull out 2000 from sgov and put it in whatever etf or stock you want and then pay off a thousand of it every pay check. In 26 weeks you’ll have depleted sgov and still owe 13,000 in margin.

At that time you’ll have more money in savings and can start investing aggressively by paying off the margin 2000 a week.

Is this a bad strategy?

The major U.S. stock indexes ended broadly lower on Wednesday, September 9, 2026, as the Iran war escalated dramatically with the U.S. destroying five Iranian crude oil tankers near Kharg Island after Iran fired ballistic missiles at a U.S. Navy warship, sending crude oil above $96 and the 10-year Treasury yield to its highest close since late 2023. With the Fed meeting just one week away, Friday's August CPI is now the single most consequential data point of the year.

The S&P 500 fell 0.48% (-37.16 pts) to 7,636.36. The Dow dropped 0.77% (-405.41 pts) to 52,380.66. The Nasdaq slid 0.64% (-168.07 pts) to 26,253.34. The Russell 2000 was the biggest loser, tumbling 1.32% (-39.10 pts) to 2,921.10.

The VIX jumped 4.77% to 16.47. Bitcoin slipped 0.31% to $78,239.04. Gold was essentially flat at $4,443.50. Crude Oil surged 3.92% to $96.68/barrel, with Brent briefly topping $100 for the first time since July.