In regards to taking a mortgage? Or how much home to buy?

I generally recommend that all housing costs, including utilities, HOA, insurance, and maintenance (which is typically 1-3% of the total home purchase per year) stay under 20% of pretax income. This makes it easier to spend money on other things without sacrificing savings. Savings should also be 20% of pretax income.

If you pay 25% in taxes, 20% in savings, 20% on your home, you have 35% leftover to spend on whatever is important to you.

BFA is the best pod! Thanks for reminding me :):)

I think there will always be naysayers. But the reality is that people are paying attention now more than ever. Every cycle bitcoin goes through, more people start to understand that bitcoin is here to stay. Whether or not financial advisers think its part of their fiduciary duty to help clients get involved, I think that depends on their general understanding of money and what bitcoin is. We need more people actually educating advisers, rather than just telling them to be educated. They will come around. They will be the last ones, though. Retail advisers are generally never first.

Practice what you preach to teach her the value of money. Consistently demonstrate what is means to take care of what Gd has given you.

Most have trouble prioritizing what to spend on to increase savings levels.

Its simple: earn more, spend less, create savings.

Simple, but certainly not easy.

It really depends. I don't have average clients. We offer tailored advice to client's needs, objectives, time horizons, and risk profile.

Calculate how much spending would be. Put in a buffer, that way if something unexpected comes up, you dont have to go back to work.

Use my actuarial tables: https://bitcoinfinancialadvisorsnetwork.com/does-bitcoin-make-retirement-planning-obsolete/

Yes. Very rare.

haha Feel free to schedule if you need financial advice :)

wife

Thanks for all the great questions! If you would like to continue the conversation, find me on twitter or feel free to schedule time with me in my financial planning practice or my consulting practice.

Happy stacking :)

In the past, my main focus was helping clients achieve what they wanted. While I still work toward their goals, experience has taught me that "getting what we want" isn't always what's best for us. Today, my approach is centered on helping clients build a more meaningful and fulfilling life.

Additionally, I’ve shifted away from emphasizing traditional diversified stock and bond allocations, and instead focus more on balancing currency versus investment allocations. I still focus heavily on what is known as "asset liability matching" for my clients, meaning we match short term expenses with short term assets and long term expenses with long term assets, but we have bitcoin in our tool belt now, rather than being confined to traditional assets.

No

My perspective on the long term extends beyond the typical timeframe. I believe Bitcoiners should avoid making decisions based on short-term cycles over the next four years. Bitcoin is long-term money and should be approached with a mindset of holding for at least 10 years or more.

Additionally, I’ve observed that many Bitcoiners assume higher-than-average withdrawal rates for retirement, often prioritizing early retirement over long-term security. My approach is far more conservative, emphasizing sustainability and ultimately multi-generational wealth. Create a legacy, don't die with zero.

Partly. I think people mostly buy these companies so they can try to outperform bitcoin. I do think it is why a lot of folks have gravitated to the bitcoin ETFs.

I dont know much about the product, my understanding was that they were going to issue a 1099-DA in 2025 for anything sold.

My other understanding of the IRS rule was that the accountants could make the final decision on what lots were sold after the fact, since the rule hasnt been fully solidified

Great question!

First, Bitcoin is not a compounding asset — and while that might seem obvious, seeing its impact play out in real financial plans fundamentally changed how I approach long-term strategies.

Second is what I’ve learned about the people I work with. Every single client I have is truly incredible. The Bitcoin community attracts some of the best and brightest, and I feel blessed to work with people who are not only extraordinary in their thinking but extraordinary in character. Honestly, I don’t have any bad clients, and that still amazes me!

Rabbi Dr. Dovid Gottleib

:) How to not pay them lol

The most common ways to reduce tax bills:

Shocked that we're halfway through and no one has asked any tax questions!

I agree with you. Others are still using fiat as their unit of account.