Just now learning how a 401k REALLY works… and honestly, it feels like such a rigged game. Lock up your money for decades, trust that inflation and fees won’t eat it away, and hope the system doesn’t collapse before you retire. The more I dig, the more I see how broken it is
I’m feeling drawn more and more to Bitcoin. No middlemen, no waiting decades, no fees, no games. Just real ownership. I’m intrigued ⚡️💰
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Replies (24)
Welcome.
Pushing people into the stock market is one of the more sinsister and insidious aspects of the fiat system.
Along with this are the limits around how you can allocate YOUR money within the 401k. They are terrible
Once that fully sinks in...
Almost everything else that the government (any government) has done to 'help' its citizens, or for the 'safety' of its citizens, is equally flawed and has equally ugly side effects.
... and I said 'Almost' to be polite...
I drained 2 small IRAs that used to be 401ks into BTC via a Daily DCA.
The penalty and taxes sucked but today 3 years later it’s a rounding error on the gains
Keep digging!
Once you see it, you can't unsee it.
Intrigued… trust your gut (and brain).. and take action! 👏
Respect for taking that leap. Definitely worked out in hindsight!
Welcome.
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I’m seeing it clearer every day 👁️💡
Yep. Government “help” usually comes with strings attached; and the strings are CHAINS ⛓️💥
Right?? It’s like “here’s YOUR money… but only if you play by OUR rules” 😅
Now comes the battle to reject the programming and withdraw the funds, take the penalty and DCA those Cuck bucks into Bitcoin. God speed my friend 🫡
Entire lives wasted slaving away for this system
It's even worse than that. By saving inside the system, you are feeding the machine that ends up enslaving you.
Picture a small shop owner with a 401k. Instead of reinvesting profits to grow the family business and pass it to his children, he diverts a portion into a retirement fund. That fund buys shares in giant corporations building supermarkets. Those supermarkets are not bound by the same rules as the shop owner. They can run at a loss for years because the fiat system gives them near-endless credit. Cheap loans create new money, which fuels inflation and lets them undercut local competitors until the family shop cannot survive.
The cycle is brutal. The shop owner retires comfortably on his 401k, but only because he helped fund the corporations that destroyed his own business. His children inherit no enterprise, only the chance to work for wages at the supermarket he indirectly financed.
This is how fiat money quietly transfers wealth. New money created through debt flows first to large institutions and asset markets, inflating prices and concentrating power. Ordinary savers and small businesses are left with rising costs and shrinking opportunities. What looks like prudent retirement planning is in fact participation in a system designed to extract value from the many for the benefit of the few.
I like that analogy. It’s like we’re tricked into funding the destruction of our own opportunities. 🔄
I like what you’re saying 🫡 but can you translate “cuck the buck” and “DCA”. Still new and learning the bitcoin terminology 🫢
Ohhhhh fuck you just put the feeling into words. Well done 🤙
Sorry about the spelling error.
“Cuck buck” = fiat currency 💵 💴 💷
“DCA” = dollar cost averaging (not using all that 401k money at once and spacing out your buys to get the fluctuations in the market price of bitcoin making your “cuck bucks” go a bit further.
That makes sense! Thanks for the explanation (:
Whoa 🤯
Zapper no werky but yeah. My 401k was nothing until I dumped it into Swan bitcoin.
👊🏻🧡🍻


An interesting substack which might be deeper down the rabbit hole:- https://emburlingame.substack.com/p/the-financialist-kill-chain
Thanks for that.