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Putting 3% into a 401k just because my boss matches it

Bruh, that match is a free return that you will convert to bitcoin one day!

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Would be better off having bought bitcoin with my 3% over the last 5 years

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Yes, but you didn't.

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The don’t allow ETFs or any individual stocks.

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This will change. If your company uses Fidelity it will change quickly.

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At least buy the spot ETF with that trapped money.

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The don’t allow ETFs or any individual stocks.

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You can get a loan from your 401k and lump sum into bitcoin. Can borrow 50%. The interest you pay is back to yourself

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