Raising Bitcoiners

Bitcoin’s 5 year return is about 22% compared to the S&P 500 with about a 61% return. Long term holders are feeling the pressure of making the wrong investment choice, and I can relate. However, Bitcoin’s 10 year return is 10,805% compared to S&P 500 at 263%. BTC may not be the best investment choice for a person close or already in retirement, but for younger people who have 10+ years to invest, it is still shown to be the best. History will reveal the results eventually. Stack sats and stay humble.

The 40-hour week was sold as the path to a stable life. For most people it’s the opposite: 40+ hours just to cover rent, food, taxes, and inflation that quietly eats whatever is left. The hours you trade for survival are the same hours you don’t get back with your kids, your partner, or the people you actually care about. Birthdays, school events, quiet evenings. Those are the things that get postponed until “later,” and later keeps moving. Fiat money makes this permanent. Governments and central banks can expand the money supply whenever they want, so the value of the hours you already worked slowly evaporates. You have to keep running just to stay in the same place. That is the real unfairness: your time is finite and non-renewable, yet the currency you are paid in is designed to lose purchasing power over time. #Bitcoin is the exit. Fixed supply, no central issuer, no one who can dilute the work you already did. You convert some of the hours you are forced to sell today into an asset that is not subject to the same inflation schedule. Over multi-year periods that has repeatedly turned modest savings into enough capital that the trade-off changes: fewer hours required for the same lifestyle, or the same hours buying more freedom. It is not magic and it is not risk-free. Volatility is real and you can lose money. But it is the first widely available tool that lets ordinary people opt out of the endless cycle of trading time for depreciating currency. Stack sats instead of stacking more hours. The goal is not to work forever. It is to own something that works when you stop.

You get 18 summers. Then they’re visiting. You get 940 weekends. Then they have their own. You get 6,570 bedtimes. Then silence. Time is the only real currency of parenthood. Spend it wisely. You can’t earn more.

The biggest mental battle I have as a parent is between how “rich” Bitcoin can make me and my family vs how much time it can give us back. As we enter a new bull market, I think denominating our gains with family time is the most important factor. Question to you, how much is enough?

My top priority in life is financial freedom. When I entered the Bitcoin journey, I was expecting to be financially free in a few years with an easy ride. Truth of the matter is that finding financial freedom through Bitcoin isn’t easy. You have massive volatility that can deter your conviction. I believe that freedom CAN be acquired through a decade of consistent DCA and the occasional smash buy. But give yourself 10 years. Maybe it’s sooner, but prepare your mind to be in the trenches for a while.

I have been looking for a clean way to start a bitcoin stack for my kids while they are still young. Most exchanges will not let minors open accounts, and I did not want their sats mixed into my own balance where I might spend them or lose track. River solved it. I already had my personal account, then I messaged support and they set up two more sub accounts under my kids’ names. Buys can pull straight from the linked bank, the balances stay separate in the app, and I can move bitcoin between them when I need to. It is a simple way to stack for them now and hand it over later when they turn 18 and can open their own account or take a wallet. Check them out at river.com or @River Taxes stay on me while the bitcoin sits in those sub accounts because everything is still under my name. Buys are not taxable events. Any sales get reported on my return with my cost basis. The gift happens when I actually transfer the coins to them. Value it at the price that day. The annual exclusion is $19,000 per kid for 2025 and 2026, or $38,000 if my spouse and I split the gift. Anything over that just uses part of the lifetime exemption in most cases, and they inherit my original cost basis. This is not a formal UGMA or UTMA, so the ownership shift does not happen until I send it. Not tax advice, just how I am handling it. Worth a quick check with a CPA who knows bitcoin.

Stumbled on @fundmypiggy and keep coming back to it. It’s one of the cleaner additions to the Bitcoin space I’ve seen in a while! Parents open a piggy. Family gifts with a card, Apple Pay, or Google Pay — no seed phrase, no exchange account, no “what’s a UTXO” conversation. The cash becomes real on-chain Bitcoin in a wallet the parent controls, not a gift-card balance. The 3% fee is covered by the giver, so the piggy gets the full amount. Withdraw anytime, free. Share the link for birthdays, graduations, straight A’s. Grandparents gifting actual Bitcoin as easily as buying a toy is the part that got me. fundmypiggy.com. I have a feeling Santa will be dropping a nice little sack of sats in my kids piggy this Christmas! 🎅🏼

Proof of work doesn’t grade on intent. Bitcoin ignores the miner who tried really hard and only confirms the one who actually burned the energy. Kids work the same way. They don’t pick up low time preference or the habit of verifying just because you talked about it. They get it from the boring repetition. Explaining why the easy money is a lie. Making them earn the thing instead of handing it over. Letting the consequence land instead of fixing it for them. Fiat parenting prints the outcome and calls it love. Proof of work parenting just keeps hashing until the block is real.

I am very blessed. My parents dropped $5k into each of my kids’ 529 plans when they were born and honestly thought they were being responsible grandparents. I don’t blame them. That’s what everyone says you’re supposed to do. But I couldn’t stop thinking about the other side of it. What if that same one-time $5k had just gone into Bitcoin on September 26 of whatever year they did it, instead of the S&P? So I actually pulled the closing prices for every single year since Bitcoin had a real market price and ran the numbers. Not adding money every year. Just one $5k check, once, on that date. 2010 is the one that breaks your brain. Five grand at six cents is seven billion dollars today. Even 2013 is still over three million. By 2017 it’s $108k vs $15k in the S&P. After 2020 the gap gets a lot smaller and in the last couple years the S&P actually wins on a raw price basis. Full table for every year is in the picture. None of this is advice. 529s have tax advantages this completely ignores and Bitcoin has drawn down 80% more than once. Just an ugly little opportunity-cost exercise that I couldn’t get out of my head. #Bitcoin

This is a big reason why parents who can DCA for their children will create generational wealth with very limited to almost no risk over a long time horizon. It won’t even require alot of capital or change of lifestyle. I’d rather DCA Bitcoin than open a 529 plan tied to an index fund. Building Bitcoiners is extremely simple.

Parents, What if the money that disappears on little extras every month quietly built something your kids could actually stand on? $50 a month. That’s it. One modest takeout night, a couple of subscriptions, or the “we’ll just figure it out later” money. Over 18 years that is $10,800 total. You would not be trying to time the market. You would just buy a little Bitcoin every month, through the scary drops and the exciting rallies, until your child turns 18. Look at what that kind of consistency actually produced in the past: • $100 a month starting in 2013 (about 13–14 years) turned $15,900 into roughly 48.5 BTC.
At today’s price near $86,000, that stack is worth more than $4 million. bitcoincalculator.tools Scale it to $50 a month and you are still looking at tens of Bitcoin accumulated at a very low average cost because the early buys happened when Bitcoin was cheap. The next 18 years will not copy the last 16 exactly. Bitcoin is bigger now. Returns will almost certainly be lower. That is fine. Even a much more modest path still matters: $10,800 steadily converted into Bitcoin is not “set for life” on day one. It is a growing pile of the scarcest, most portable, hardest-to-confiscate money most families will ever own. By the time your child is 18 that pile could be a house down payment, a big chunk of college, or the seed of real independence — depending on how adoption continues. You do not need to be wealthy to start. You just need to be consistent for the length of a childhood. Start the $50 (or $100) habit this month. Let time and scarcity do the heavy lifting. Your future 18-year-old will not care that you missed a few dinners out. They will care that you stacked something no government can print.

A big reason I started buying #Bitcoin years ago is because of the rat race I realized I’m in. I hate waking up and having to work a job I don’t love just to pay the bills. Work into your 60’s just to retire with most of the glory days behind you. Send your kids to daycare when you could’ve stayed at home and spent time with your family raising them the right way. The only way I know how to get time back is by saving in bitcoin. It may be 10 years until financial freedom is met, but that cuts out 30-40 years down the road I can spend with my family not worrying about money. These last few years haven’t been the easiest to hold Bitcoin because you know the light is at the end of the tunnel but the hope mixed with volatility can make you go crazy. It’s a scare you out or wear you out investment. Don’t give up. This isn’t a get rich quick scheme. But it will get you richer quicker and safer than anything else in the world, in my opinion and conviction. Raise your children to be Bitcoiners now so they get a head start on financial freedom. Set aside a chunk of sats they can inherit when they are adults so they have financial freedom by the time the grandchildren come around. This world is not fair and designed you enslave you into working your life away. But Bitcoin will set you free, in time.