TIME TO READ: 5 MINUTES

Hey Friend,

I just got done speaking at a gold conference in Vancouver, B.C.

Gold hit $5,000 an ounce. The room was electric. Goldbugs were celebrating. Bitcoin? Sitting at $87K, down from its highs.

And yet, I told the crowd something they didn't want to hear.

"Bitcoin's cheap right now. Gold's expensive. And if you understand velocity, you'll see why Bitcoin is the better retirement asset."

Let me show you what I mean.

MAIN FEATURE

The Two-Lever Retirement Hack: 15% Withdrawal vs. 4%

Most people think retirement looks like this: save up a million dollars, withdraw 4% per year, and hope it lasts until you die.

That's $40,000 a year from a million-dollar portfolio. And you're praying inflation doesn't eat you alive.

But here's the problem. You're liquidating assets every single year. You're paying taxes on those withdrawals. You're stopping compounding forever. And you're hoping you don't run out.

The wealthy don't do this. They use velocity.

Instead of selling assets, they borrow against them. And with Bitcoin, the math gets really interesting.

Here's how it works. If you own $1 million in Bitcoin and you borrow 15% of that value, you get $150,000 in liquidity. Tax-free. No capital gains. And your

Bitcoin keeps growing in the background.

Now let's say Bitcoin appreciates 30% that year. Your $1 million becomes $1.3 million. Your debt of $150,000 is now only 11.5% of your total. You just made money while living off borrowed capital.

Here's the five-year projection:

Year 2: $1.3M Bitcoin → borrow $195K → Bitcoin grows to $1.69M → total debt $345K (20% LTV)

Year 5: $3.7M Bitcoin → total debt ~$1.1M → LTV still under 30%

You're living off loans. Your Bitcoin never stops working. And as long as Bitcoin appreciates faster than your interest rate, you never have to pay it back.

This is what I call the Bitcoin 15% rule. And it changes everything.

So let's run the comparison:

Traditional 4% rule: Need $2.5M to generate $100K/year

Bitcoin 15% rule: Need $667K to generate $100K/year

That's 73% less capital to achieve the same lifestyle.

That's how you retire on Bitcoin without ever selling a single satoshi.

TODAY'S VISUAL

Why Gold Is Expensive and Bitcoin Is Cheap Right Now

Take a look at this chart:

On the left, you see the S&P 500 priced in dollars. Up 113%. Looks great, right?

On the right, you see the S&P 500 priced in Bitcoin. Down 84%.

Now here's what this tells you. When you measure assets in something that's not being inflated, like Bitcoin, you see the real story.

If you're measuring wealth in dollars, you're measuring with a broken ruler.

Bitcoin is touching its 200-week moving average right now. Historically, this has been one of the best buying opportunities you can get.

THOUGHT OF THE DAY

What I Told the Gold Conference About Trust

Standing on stage in Vancouver, I told the crowd something they didn't want to hear.

"Gold is moving for one reason: trust is breaking down."

From 2020 to 2024, we saw the highest inflation in decades. Gold barely moved. Now? Gold is parabolic.

Why?

Because in 2022, the U.S. seized Russia's bank accounts. The whole world was put on notice. There's no trust left.

Nation states are scrambling to find assets they can hold without permission. Gold is one answer. Bitcoin is another.

Here's what I told them: both assets solve the same problem—permissionless wealth storage. But they solve it differently.

Gold has 5,000 years of history. It's physical. You can hold it. That matters to a lot of people, and I respect that.

Bitcoin has 16 years of history. It's digital. You can move it across borders in seconds. That matters for a different set of problems.

The real question isn't gold versus Bitcoin. It's whether you understand how to use either one to build velocity.

And when you look at the math, Bitcoin's appreciation rate makes it a better leverage tool for generating income without selling.

That's the difference.

RESOURCES

The Titanic Analogy You Need to See

I'm hosting a free 90-minute live masterclass on February 5th at 3:00 PM Pacific.

I'll walk you through the exact system helping entrepreneurs and high earners retire years sooner, including the Bitcoin velocity model, my 3-layer wealth protection system, and the 5-year retirement accelerator.

Reserve your spot here.

WRAPPING UP

The 4% rule is dead.

Selling your assets at retirement is financial suicide.

The new playbook: borrow against appreciating assets, live on tax-free loans, compound forever.

That's how the wealthy retire. That's how you should too.

To your wealth,