IBIT is BlackRock’s most profitable ETF ever, and Uncle Larry Fink LOVES it. BlackRock makes more money when bitcoin pumps, and you’re bearish, anon?!?

Bitcoin is the most obvious thing on the planet. Perfectly fixed supply, networked, digital money vs unlimited, permissioned, debt-based fiat garbage. How tf are you still on 0.0% allocation??

Almost ready

“I like bitcoin, buy my shitcoin”

There is way more risk in being under-allocated to bitcoin than there is in being over-allocated.

3.25 BTC coming my way any day now

How many of these people have the majority of their net worth tied up in their homes instead of in liquid assets? 🤔

You should be happy with every day that goes by where the US government doesn’t buy bitcoin.

I have it in good authority that you are not bullish enough.

It’s cute to think the Fed is independent. The reality is that they exist at the pleasure of the government and will always fall back to facilitating its whims.

Buying a rental property is an extremely risky, difficult, and highly leveraged way to make an extra $300 per month.

🏰 Remember grinding through Mario levels as a kid? Personal finance is like Mario in the real world: • Collecting coins🪙 • Fighting bosses (debt, inflation) 🐉 • Seeking power-ups (side hustles, investing) ⭐ • Searching for secret warp pipes 🚇 That’s why this week’s FIRE BTC issue compares FIRE + bitcoin to playing Super Mario. 👉 FIRE gives you the map to reach the castle. 👉 Bitcoin gives you the warp pipe and Star Power. In the fiat game, the princess is always in another castle. With FIRE + bitcoin, you can finally save her. 🔗 Read the full newsletter here:

🍄 Pipe Dreams

FIRE BTC #43 - Pursuing FIRE like Super Mario

Remember grinding through Mario levels as a kid? 🍄 Personal finance is the same: 🔸 Collecting coins 🔸 Fighting bosses 🔸 Seeking power-ups 🔸 Finding secret warp pipes You’ve grinded this far. Don’t let Bowser steal your coins at the castle gate. 🐉💸 A new FIRE BTC drops tomorrow! Subscribe free before the next level opens up 👇 firebtc.substack.com

As public companies add bitcoin to their balance sheets, index funds gain exposure by default. That means passive capital flows into these stocks, fueling more bitcoin buys. It’s a feedback loop, and it’s happening in real time. This flywheel is already spinning. 📈 Index inclusion → passive flows 🪙 Passive flows → more BTC buys 🔁 More BTC buys → price appreciation I break it down in this week’s FIRE BTC newsletter. 🔗

🛌 The Era of Passive Bitcoin Flows

FIRE BTC #42 - Bitcoin exposure for everyone

💧 The era of passive bitcoin flows has begun. 401(k)s, ETFs, and corporate treasuries are piping bitcoin into portfolios. Millions will soon own BTC without lifting a finger — or even knowing it. This flywheel is unstoppable: Index buying → more BTC on balance sheets → bigger index weights → more inflows → repeat. Even the FIRE crowd stacking $VTI already owns bitcoin today, whether they like it or not.

🛌 The Era of Passive Bitcoin Flows

FIRE BTC #42 - Bitcoin exposure for everyone

gm You can just stay humble and stack sats

A $9 TRILLION retirement system is about to collide with the hardest money on earth. When 401(k) plans can buy bitcoin, the flow will be automatic. The bid will be steady. And the effects could be massive. The Trump administration just cleared the way for employers to offer bitcoin in 401(k) plans. That means steady, automated contributions could start stacking sats every paycheck—whether the market’s up, down, or sideways. Why does this matter? 401(k)s are a core pillar of retirement planning. Tax advantages, employer matches, and high contribution limits make them powerful. Now, those same mechanics could start funneling billions into bitcoin. Quick 401(k) 101 ✅ Tax perks (Traditional or Roth) ✅ Employer match (free money!) ✅ Higher contribution limits ($23,500 in 2025) ✅ Creditor protection ⚠️ Locked until 59½, limited investment choices, and fees to watch out for. For people chasing FIRE, liquidity matters. I grab the match (always), optimize taxes if it makes sense, and keep the rest flexible—usually in spot bitcoin I control. Some 401(k)s offer a “brokerage window.” If yours does, you can buy bitcoin ETFs or bitcoin treasury companies (MSTR, etc.) It’s not cold storage, but it’s the next best thing. Now imagine bitcoin isn’t just a hidden option. It’s right there on the menu next to the S&P 500 fund and target date funds. Most people will “set it and forget it.” Contributions and company matches flow in—creating a constant, passive bid. And there will be other second-order effects... 🔸 HR teams & plan admins have to learn about Bitcoin. 🔸 Some get orange-pilled just doing their jobs. 🔸 Seeing BTC outperform sparks personal buys in IRAs, brokerages, cold storage. $9T sits in 401(k)s today with zero bitcoin exposure. Even a 1% shift over time = $90B in new automated demand. Week after week. Paycheck after paycheck. Bitcoin in your 401(k) is yet another channel of bitcoin adoption playing out in real time. Read the full breakdown + subscribe here:

💰 Bitcoin in your 401(k)

FIRE BTC #41 - A new $9 trillion source of demand is coming online

Chad knows all about bitcoin, and it’s going to zero.

"Bitcoin is just digital Beanie Babies."

Most people think FIRE is just about retiring early. But it’s really about one thing: Freedom from dependency. To get there, you need a clear plan. Here are the 3 pillars of a FIRE strategy that actually works—plus the assets I use to fight the broken system. 🧵 The “Why” behind FIRE I spent 12+ years in Corporate America. Good pay. Smart coworkers. Comfortable life. But I still felt stuck. Stuck in traffic, stuck in meetings, stuck in a career I didn’t intentionally choose. FIRE was an escape and a way to design my future. Building Block 1 – Know your expenses The first step in any FIRE plan? 📊 Know exactly what your lifestyle costs. Break it down: housing, food, healthcare, subscriptions, kids, travel—everything. You can’t hit a target you haven’t defined. And FIRE means replacing your income with your portfolio. Be ruthless about spending Once you know your costs, separate the wasteful from the essential. Cut what doesn’t matter. Trim what you can. Build an intentional spending plan. Not because you want to live cheap…but because every dollar saved = more freedom faster. Building Block 2 – Pay yourself first Treat your savings rate like a bill. Earn $5,000/month? → Save 10% = $500 → Live on the other $4,500 Start small and build up. The more you save, the sooner you’re financially independent. You’re the CEO of You, Inc. FIRE reframes your personal finances as a business. Your real job? Maximize retained earnings. That’s the capital you’ll use to buy your freedom. Building Block 3 – Buy good assets You can’t save your way to FIRE with dollars alone. Inflation eats fiat. Just look at: 🏠 Housing 🩺 Medical care 🎓 Education Everything gets more expensive. Fiat is a melting ice cube The cost of essential goods is exploding. 🔸 Housing has more than 3x’d in 25 years 🔸 Medical care keeps rising 🔸 Education? Through the roof You need assets that preserve and grow purchasing power. Fiat is a melting ice cube The cost of essential goods is exploding. 🔸 Housing has more than 3x’d in 25 years 🔸 Medical care keeps rising 🔸 Education? Through the roof You need assets that preserve and grow purchasing power. Why I chose bitcoin Most FIRE folks stick to stocks and real estate. But I went all-in on bitcoin. ✅ Fixed supply ✅ Unchangeable rules ✅ Immune to political games It’s the hardest asset on Earth. And it accelerated my FIRE path drastically. My mantra... 💵 Earn 💰 Save 🧱 Stack sats 🔁 Repeat Do this with intention and consistency, and you'll wake up one day with work-optional freedom. You don't need to retire early, but you need to own your time. Want to build a FIRE plan rooted in financial sovereignty? Wondering how bitcoin fits in? 🔥 Read the full post + subscribe for free weekly insights:

🛠️ FIRE Fundamentals

Issue #2 - The building blocks for financial independence