The real “marshmallow test” today is for adults deciding between instant consumption in fiat or delayed gratification in bitcoin.
Trey
tshodl@nostrplebs.com
npub1m6y9...e2p9
VP, Sales, Unchained | Advisor to Cantilever | FIRE 🤝 Bitcoin | Banker turned bitcoiner: previously Truist, MetLife, Goldman Sachs, Deloitte
Helping bitcoiners achieve financial independence and FIRE practitioners understand bitcoin at firebtc.substack.com
Chipped one in for birdie today. Is there a better thrill?
“Invest” doesn’t mean what you think it does.
If you’re fine with owning VTSAX to save, and your whole approach to personal finance depends on its value increasing, dismissing bitcoin as “not an investment” because it has no cash flows makes zero sense.
People assume using money means spending it.
In reality, the main use of money is holding it—keeping your options open.
Bitcoin is built for that.
This is the most common argument I see from the Knots folks


Global debt keeps climbing.
Bitcoin’s supply stays fixed at 21 million.
All you need to know.
The best thing about the Core v Knots ordeal is more people running nodes, even if they don’t fully understand how it all works yet.
Non-economic actors who want to destroy bitcoin will gladly pay a 4x higher fee for OP_RETURN, but they’re too lazy to bypass the mempool altogether.
Make it make sense.
Financial independence is a spectrum, not black and white.
This is the most depressing thing I think I've seen on X.
The state of personal finance education is absolutely rekt 🤦♂️


🤦♂️ Mr. Money Mustache still says “bitcoin is stupid.”
7 years later, it’s up 10x since his post.
Here’s why he’s still wrong…


🤦♂️ Why Bitcoin is Stupid (Revisited)
FIRE BTC #48 - Mr. Money Mustache doubles down
If you don’t run a node, you have no right to complain.
If you do run a node, you have no reason to.