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REDDIT

Using margin + up 70% all-time should I reduce leverage or keep going? Income ~$10k/mo.

M
Dec 13, 2025 · 10:30

So I’ve been investing on margin on Robinhood and my account is up like 70% all time (around $49k now). I honestly don’t know if I actually did something smart or if I just got lucky and the market carried me.

I make around $10k a month so in theory I can handle drops and put more money in if things go bad, but I’m also pretty much fully using my margin right now so I know that could bite me if the market dips hard.

I’m just trying to figure out a couple things:

1. Is it smart to keep using margin since I can afford to deal with dips, or should I back off before I get wrecked?

2. If I sell stuff I bought on margin, do I still get taxed on the gains the same way? (I think yes but not 100% sure.)

3. Anyone here actually use margin long term? How do you know when you’re using too much?

Not trying to blow myself up but I also don’t wanna pull back too early if using some leverage is fine. Just curious what people who’ve been through this think.