BTC

harvested

When people stop selling coins I guess? In the past week, long-term holders divested over 137,000 BTC.

seltzershark

I’m 90% BTC but I like having 10% spread out in a few other gambles. BTC is not a gamble, but it is volatile and a long term play. See yall in 2029

Ecstatic-Oil-Change

Absolutely. It’s just I feel it would be foolish to not put emphasis on buying BTC right now.

friggleriggle

This is really dumb, and I've been in BTC since it was sub 1k. I've also worked in payments as an engineer and done credit card integrations on both the acquiring and issuing side. From the customer perspective, credit cards are hard to beat. Especially with tap to pay, they're about as fast and convenient as you can hope for. The fees are generally absorbed by the acquirers and fund rewards to the customer. The fees are also used to support free financial products. Any business that's issuing you a credit or debit card is generating revenue off you using the card. If they don't get that revenue, they'll have to get it some other way. Also, charge backs... CCs come with many benefits to the customer. There's a reason they're so successful. Don't get me wrong, lightning is great, but this comparison is full of ignorance.

OBXAngler15

BTC has been moving sideways but ALTS have been plummeting down. It’s abysmal out there. Selling at yearly lows is not an option so I’m being patient for when there’s some sort of reversal upwards. It’s brutal but it’s all I can do at this point.

Wonderful_Link_5057

2010 to get more 100 BTC

Blockchainauditor

If you actually put € 5 into BTC that you put into a wallet with keys you control, your investment is limited to the € 5 and any other costs involved in acquiring it or disposing of it. If you get into other instruments, such as options, you could lose more than you invest. "Leverage" works both ways, magnifying both gains and losses.

dreampsi

Only BTC made in America! 🙄

biba8163

**Top Performers/Survivors from the Summer of the Flippening (2017)** https://coinmarketcap.com/historical/20170615/ | Crypto | Price Change | |--------|--------------| | DOGE | ⬆️ +4167.49% | | BTC | ⬆️ +3509.08% | | XMR | ⬆️ +851.05% | | ETH | ⬆️ +721.67% | | XRP | ⬆️ +640.42% | | XLM | ⬆️ +482.15% | | LTC | ⬆️ +159.21% | | ZEC | ⬆️ +3.34% | | ETC | 🔻 -32.61% | | DASH | 🔻 -76.10% |

who_am_i_to_say_so

And speed is also instant for credit cards, hours for BTC. Just a few factual errors out of the 6 points.

themrgq

I love BTC but fees can be much higher now and it's nowhere near instant

jawni

"The Worst Person You Know Just Made a Great Point" Schiff is technically right. As a simple example, if your market cap is $1m and you have $2m in BTC, you should be buying back your own shares that are selling at 50% discount instead of buying more BTC.

jawni

>If they start selling large amounts of BTC, it causes a panic, dropping the price. Causing more investors to start pulling their money.. dropping the price further. This would just make it even more lucrative to buy back the shares. The share price would drop but they'd probably own more BTC/share. We've already seen DATs sell to buyback shares.

OddBackground6835

On the exchange you normally buy spot , so if I spend 88,000 USD I get 1 BTC , if the price goes down you still keep 1 BTC no matter what. You can hold for as long as you like but you can also sell in loss if you really need the money . One situation where you loose your investment if the price drops is when you buy with leverage. In few words you literally borrow more bitcoin from the exchange, but if it drops too much your position get liquidated and you loose 100%

jawni

That's the whole point Schiff is making. If Strategy is undervalued relative to it's holdings, then it would be smarter to buy back the undervalued shares rather than buy more BTC. This ratio, NAV, is the basis of judging DAT valuations.

GIGAbtcHodl

Mortgaged a paid off house to buy BTC :)) back in the day and this is not an advice. Whatever works for you, sometimes a free mind is better than an investment.

Flat_Tangelo8137

Not for the basics i wouldn’t say. You can get yourself up to speed with trading and BTC and the blockchain pretty fast by speaking to gpt. Just ask it tonnes of the same questions until you REALLY get whatever it is you’re confused about.

jawni

Just because Schiff said it doesn't make it wrong. mNAV dictates whether buying BTC or shares is the best move economically speaking. >"We plan to continue buying back shares while our stock trades below NAV, which creates increasingly asymptotic effect on our per-share valuation metrics as the number of shares outstanding declines and net asset value per share increases," chairman and CEO Kyle Cerminara said is a statement. https://www.coindesk.com/business/2025/11/20/ether-treasury-firm-fg-nexus-unloads-nearly-11k-eth-to-fund-share-buyback

bravedog74

As we all know, letting someone else own our BTC is bad news. However, the blockchain gives a unique benefit because we know exactly how many BTC each fund owns. Therefore, I don't really call it "paper" Bitcoin in the traditional sense like with silver.

dcsignatus

That doesn't seem real. It's almost like if people buy on Amazon using BTC !lntip 500

glasser999

Buuuut if investors/lenders ever actually want to get their money back..MSTR would have to either sell BTC or pay them with new investors money. If they start selling large amounts of BTC, it causes a panic, dropping the price. Causing more investors to start pulling their money.. dropping the price further. Feedback loop begins, BTC keeps dropping, and suddenly MSTRs bitcoin reserves pale in comparison to share value. MSTR goes insolvent. Shareholders get screwed. Very ponzi-esque. The whole thing relies on people trusting Saylor's longterm vision for BTC

jawni

He can be dishonest, but you should always take the arguments on their own merit. In this case, his logic is sound and pretty widely agreed upon throughout the industry. If mNAV is < 1, you shouldn't be selling your relatively undervalued shares to buy more BTC, you should be buying back your shares. If mNAV is > 1, then you sell the relatively overvalued shares and buy BTC.

jawni

Schiff is right on the logic, if mNAV < 1, you should buyback shares, if mNav > 1, sell shares buy BTC.

Decent-Treat-3298

look up Strike 📈 **Why Strike Is Popular for BTC DCA** **1. Simple and Bitcoin-Focused** Strike’s app is designed specifically around Bitcoin (and Lightning payments), not a large list of altcoins, making it especially clean and easy for recurring BTC buys. [BitDegree](https://www.bitdegree.org/crypto/strike-crypto-review?utm_source=chatgpt.com) **2. Low and Transparent Fees** While there’s a small spread on purchases, fees for recurring buys can be **very low — especially for long-term DCA schedules**. Some users report fee structures that, over time, amount to *essentially zero fees* on recurring buys after initial orders. [Rhett Reisman Blog](https://www.rhett.blog/strike-2024/?utm_source=chatgpt.com) **3. Recurring / Auto-Buy Features** The app supports **scheduled recurring buys** directly from your linked bank account — perfect for DCA strategies without manual intervention each time. ( NOW ME TALKING ) I know this looks like an ad!🤣🤣🤣 But, I asked CHGBT and this is what it said. Anyway do your own research on it

No_South_9912

Agreed, it's seems BTC consistently outperforms all other coins over an extended period of time.

Dynamoks

This time at least the CPI was very good, unlike that day where nothing was behind it. Now the stock market and BTC is moving up, which is better.

cecirdr

I put nearly all of my spare cash into BTC and ETH this year. But next year, I'm shifting to adding most of my spare money into my 403b instead. I'll still DCA, but at a much reduced amount. I'm only 7 years away from retirement, I need less volatility for the bulk of my money.

OnChainSpecter

Exactly. Structural shifts almost always start “boring.” What matters isn’t conviction today, but normalization. Once BTC is treated like a standard risk tool, increasing exposure becomes a mechanical decision — not a narrative one.

ZookeepergameOk643

The trend is for the value of BTC to fall even further.

DryMyBottom

elevator up for a change, please BTC CEO

Easik

Well this is nonsense. BTC has a middleman too and the fees are roughly equal to visa. You don't get paid in BTC, so you are paying 1% + slippage + transaction fee to move to your wallet + transaction fee to buy something + capital gains tax. It's a sad day when this sub feels more like a safemoon subreddit than a BTC one.

OnChainSpecter

I think that’s fair in the short term, but I’d separate intent from impact. Yes, a 1–3% allocation lets institutions say they have BTC exposure without blowing up tracking error. But historically, that’s exactly how new asset classes enter portfolios — first as a token allocation, then scaled once correlations and liquidity are better understood. What matters isn’t conviction today, but normalization. Once BTC is accepted as a standard diversifier, increasing exposure becomes an internal risk decision, not a narrative leap.

jawni

Not quite. He'd never actually be buying bitcoin if that were the case. A ponzi scheme would be where the first investor gives Saylor $100, then instead of buying $100 worth of BTC, he holds it and waits until a second investor invests $100, then he pays out the first investor the $200 he has and says "hey look I doubled their money!".

rocket_beer

Depends. BTC is $88k right now If your current bag can pay off your mortgage, those future savings could help re-build your bag a lot quicker! But if your current mortgage rate is 3% or less, you would be foolish.

Aidsfordayz

Nope. I foolishly sold $32k worth of stock to pay down my mortgage and it’s probably my biggest financial regret. At least it wasn’t BTC. The BTC stays.

Swiftvoyager1906

TLDR: \- SoFi just dropped $SOFI-USD, their new stablecoin backed 1:1 by cash and Treasuries. It's supposed to be v safe, regulated from a national US bank and sorts \- This is first targeted at big enterprise payments, with plans in the future to hook it into their app for us, their commoner users \- Ties into their crypto push: already trading BTC/ETH/SOL in-app, borrowing against crypto coming soon They launched this at a great timing if you ask me, with Trump's crypto-friendly vibes and stablecoin laws making banks comfy jumping in.

boringtired

Answer about mortgage rate is kinda meh imo. If you can get yourself in house without a monthly payment and you have X percentage of income left over a month because your housing is paid for (besides taxes and insurance of course), your quality of life is going to be a lot higher than it was previous to use sitting on BTC. It’s all relative on where you are in your life though.

maxintos

He has already been doing that to buy more BTC. If he could borrow more he would have done it already to buy even more BTC.

Amber_Sam

>With BTC spending having to pay capital gains taxes, I'd hate to be your tax advisor. Who said I have to pay CGT? There are exceptions, countries with zero CGT out there. >Not to mention, every exchange operated in the US... It might surprise you but about **95% of the global population is living outside of the US**.

seiggy

I don't have to pay capital gains taxes when I buy a coffee with my VISA card. Until that changes, BTC is not a currency here in the USA.

Sad-Mango-5363

i’d zoom out and separate 2 things: 1) “will it ever pump again?” – yeah, in a bull market almost anything can have a face‑saving rally, especially something as liquid and narrative‑driven as XRP. 2) “does the fundamental thesis still make sense vs alternatives?” – that’s where it looks rough: banks are building their own rails, SWIFT / JPM / stablecoins eat the same use case, and XRP’s been underperforming majors for years. if you wouldn’t buy it today with fresh money, that’s usually my cue to slowly rotate out on strength into stuff you actually believe in (BTC/ETH/whatever), instead of emotionally marrying a bag and hoping for 2017 again.

seiggy

With BTC spending having to pay capital gains taxes, I'd hate to be your tax advisor. Having to track the basis of every single replace and spend transaction through the year to properly report the capital gains and losses to the IRS. Fuck that noise. BTC is a dead currency in the US as long as the IRS views it as a taxable property. And if you think that the IRS doesn't know about it, I've got news for you, public ledgers make it crazy easy for them to backtrace a transaction from any of these vendors to you as a person. Not to mention, every exchange operated in the US has to report purchases and sales to the IRS now.

SilkenicDud

Yeah, at this point Bitcoin feels less like a train and more like one of those airport moving walkways — even if you stand still, you’re still going forward 😄 People keep arguing about models and timelines, but the simple reality is supply keeps shrinking and every cycle more people quietly decide to hold instead of trade. Whether it’s 5 years or 15, the direction seems pretty clear unless something truly breaks the rules. Side note: having a place where you can just hold BTC long-term without stressing about bank freezes or random limits makes this whole “wait it out” approach way easier. I’ve been using Blackcat for that lately and it’s been refreshingly boring — which is exactly what you want when you’re thinking in decades, not days.

MorbidandBack

Lesson learned. Never advise anyone to buy anything. Only educate them on what BTC is and let them make the choice on their own.

OnChainSpecter

I get the intuition, but I think the more important shift isn’t the price impact — it’s the framing. Once BTC is treated as a standard portfolio diversifier (like gold or commodities), demand becomes more structural and less sentiment-driven. That doesn’t guarantee constant upside, but it does change who the marginal buyer is. In that context, a 1–3% allocation matters more for risk-adjusted returns than for short-term price moves. The interesting question is whether correlations stay low once adoption broadens further.

Amber_Sam

**I do. Many of us do**. Here's how spending bitcoin IRL looks like: https://youtu.be/Tlhvnpi2ukA I'm using Bitcoin almost on a daily basis. Buying groceries, paying for meals, taxis, domains/hosting, VPN... Spend and replace is usually the name of the game so no, I'm not spending bitcoin while saving in cash. If you're thinking about spending some, here are my favorite directories: http://lightningnetworkstores.com/ https://btcmap.org - awesome map, you can even add your local vendors in, once you orangepill them. https://acceptlightning.com/list.html https://spend-sats.com/ https://spendabit.co/ https://directory.btcpayserver.org/ There's also an option of buying gift cards https://thebitcoincompany.com/ https://bitrefill.com https://www.egifter.com/buy-gift-cards-with-bitcoin - this one's least fave because they use a shitty custodian for payments but are handy for a few cards. Spend and earn some sats back: https://foldapp.com - save up to 20% Starbucks, Uber, Target , whole foods , Dunkin https://www.lolli.com – save up to 30% by spending BTC anywhere but primarily USA stores https://satsback.com/stores-list - save up to 20% by spending BTC anywhere but primarily Europe stores.

DankShibe

I didn’t take profits last year on Dogecoin because I expected a run this year. I didn’t take any profits on it during the 2021 bull run as well. Now I must wait 2 to 3 years more for another chance if it ever comes . But next time it does a 300% I will definitely take some profits from it . On the good side at least this time I took profits from XRP BNB and BTC and got myself a 1k usd 5070ti

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Post is by: OnChainSpecter and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1pppjq2/institutional_bitcoin_allocations_brazils_largest/ Brazil’s largest private bank, Itaú Unibanco, recently suggested that investors consider a small Bitcoin allocation (around 1–3%) as part of a diversified portfolio. What’s interesting is the framing: this isn’t positioned as a speculative trade or a high-conviction bet, but rather as a hedge — particularly against currency risk and macro uncertainty. The recommendation comes after continued weakness in the Brazilian real, with Bitcoin viewed as a non-sovereign asset that behaves differently from local equities and bonds. Itaú also referenced regulated access via a local Bitcoin ETF (BITI11), highlighting how institutions increasingly prefer structured vehicles over direct self-custody. This mirrors a broader trend we’ve seen globally: Bitcoin being discussed less as a “trade” and more as a portfolio component, especially in emerging markets facing FX volatility. Curious how others here think about this: Do small BTC allocations (1–3%) meaningfully improve risk-adjusted returns, or is this mostly narrative management by institutions? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Alarming_Focus_6557

Actually you will get €100 worth of BTC. It's €50 for the new customer.

ChurnerMan

I've said this before but the average consumer wants the middleman. They want transaction insurance essentially. Billions are lost every year in fraudulent transactions. In most cases the bank is eating that and not the individual. Even more was lost last year in senior scams. Those were eaten by the individual in most cases and in many cases they get them to buy and send Bitcoin. I also haven't touched getting hacked. Your online bank account gets hacked you're generally not liable. You at minimum could sue the bank. Criminals also generally can't get straight value from a bank and have to launder the money through BTC or gift cards because bank to bank wouldn't work because of the middlemen. Even if you got the money on your side your account is getting flagged. Be honest with yourself, do you think most of the people in your life are going to not only encrypt their wallets, but choose and put keys in safe places? There's a reason people stopped keeping money under the mattress. Telling someone to be smarter is not how you convert them to your position. You need to accept that people are too dumb for BTC in its current form. And the form it would have to become to be the de facto currency many of you probably wouldn't like.

Veganarchyst

No one knows what BTC will do Anyone who tells you they know is either selling you something, making money off you and/or straight up screwing you There's absolutely no way for anyone to know where BTC will go

Mr_Tommy777

DCA’d XRP, ADA & BTC. Traded for some meme coins & NFT’s. Total degen behavior. Lost some, got rugged and hit a couple big winners. But the smart move was selling.

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DryMyBottom

BTC eft enjoying the roller coaster too

KDtheDictator

are you comparing BTC to 1980 visa or what? none of this info is true

cryptoguy-08

1–3% BTC makes sense as a hedge, not a bet. Institutions clearly see it more like digital gold now.

Numerous_Ruin_4947

It's likely it does not play out like people want. Everyone expected alts to have a major blow-off top in 2025. That did not happen, so now it possible everything will be different, and BTC, ETH and the other alts might not drop as low as people wish.

Night_life_proof

Seriously? I haven't send btc in ages but I recently send 1 bnb from an exchange and it cost like €3.50. I guess Binance chain is cheaper than BTC L1 so is that the exchange fee aswell? I rmb BTC transactions being €20 back in the day...

DeepintheMangroves

BTC to 10k ? 😂 

BlackDog990

Aren't debit transactions on cards zero fee usually though? The fee is for credit only, which BTC isn't. The biggest selling point im this comparison is trustless/no 3rd party middle man.

Hooftly

And? Whats your real worry? Could it be that the BTC price is artificially inflated do to such contraints that are artificially created by code? What I don't get is how people dont see that a Supply Cap == Oligarchy on steriods. We are creating a new controlling class and people are dressing it up as freedom and decentralization. Can anyone tell me honestly how a supply cap does not create this situation. Number Go Up is the wrong mentality. I expect downvotes.

sixlayerdip

Yeah. But only because for my stack to be enough would mean BTC has appreciated far beyond my established goals

Old_Shop_2601

PGP is partially at risk because of quantum computing. The components that are based on RSA, DSA, Ecdsa or EdDSA are vulnerable to quantum computers. Any public-private key based on these algorithms will be broken by QC. I see you are part of the WHATABOUTISM herd. The telcos, banks, etc are aware of these risks and implementing post-quantum security measures. You should worry instead about BTC, Ethereum and countless of cryptos relying on ECC. https://preview.redd.it/9bxczlph3y7g1.jpeg?width=1179&format=pjpg&auto=webp&s=3ad009bb14c98ecef2c149fde0b4355fc7dfc9d5

Hooftly

BTC is famous for not making changes. you think freezing coins will be accepted by consensus? Doubt. This is a problem without a practical solution at this point in time.

0x_Crypto_Pirate

100 BTC. I'll live the life I have now. Either way, I won't change my decisions back then.

DryMyBottom

it’s a roller coaster even on the ETF side of BTC

SilkenicDud

Depends who you ask 😄 For some it’s gold, for others it’s BTC, and for banks it’s still fiat with a logo on it. Funny thing is, whatever ‘rock’ people choose, they still need a clean bridge to actually use it day-to-day. That’s why I like solutions like Blackcat — traditional money rails, but flexible enough to live next to crypto without friction. The rock may change, but usability always wins.

flow_vp

100 BTC please. Can't give all those exams again

Altruistic-Ad-857

i've probably transferred more in BTC than you will ever earn in your lifetime, so yeah.

AggravatingTask3247

Register on the YUBIT exchange using the invitation code: BTC888 to receive an 80% rebate on contract transaction fees.

Barokna

1 BTC = 1 BTC. Who cares about fiat money amirite.

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Schneehenry3000

All of the 0.02 BTC for my nonexistent Mortage (for my nonexistent house/apartment).

Quietabandon

> In a vacuum where buys/sells don’t move the market, selling BTC to buy back stock would be in shareholders’ best interest. But cmon, if Strategy’s started selling BTC it would probably spark a meltdown in the market. Could they quietly borrow against their bitcoin to buy back stock thus avoiding selling? 

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Old_Shop_2601

As for banks, we are on same page. And that's what my comment points to: I always laugh hard at idiots who bring the dumb argument "what about banks, nuclear codes, etc ? BTC is a less of target than these for quantum computers" just to deflect the discussion from BTC unpreparedness wrt quantum risk. If you are part of the herd "BTC have enough time, no CRQC before 2050 or 2100, blabla", good for you. Not my task to make your mind change about this. When Satoshi BTC will start moving, you will have all the opportunity to buy "your dip" while smart money dumps on you https://preview.redd.it/xlogz971sx7g1.jpeg?width=1080&format=pjpg&auto=webp&s=a74b722a759a9fc0d1a4896aca6cadc7e2815a90

nub991

Who said that? Volatility is the game of BTC

Mission-Stomach-3751

I agree for the short term. BTC still trades like a high-beta risk asset because liquidity and macro flows dominate price action right now. The “digital gold” narrative feels more like a long-term thesis than something the market is pricing in today. Maybe that changes as market structure and adoption mature.

thoth218

Buy $100 worth of BTC in 2010

FX_King_2021

Bitcoin’s price can swing by 5% within just a few hours 🤷‍♂️. Plus, if you’re buying or selling BTC through P2P like I do, the fees range from 2% to 5%.

Worried-Joke-821

Alternative title: 100% of BTC movement came from people moving their coins.

DrFaustusExtreme

What a stupid title. Gen Z or Millenials need to be better! Yes, we are in a bull market!!! All time high on every crypto. BTC with 299%, XRP 800%!!! ETH with 677% and Bitboy Crypto is sane making videos again! Go to sleep and don‘t watch anything crypto related for the next 12 months, kiddo.

AstonMarco

OMG. Do you really think a capable quantum computer will be controlled by bank robbers? This will be a multi billion project controlled by governments (USA, China, perhaps Europe). It will take many years. And Bitcoin has enough time to do a softfork. Problem solved. 1.7 million BTC at risk? Worst case scenario: One last dip. I will buy this dip, if it ever happens.

EnsambleOfShadows

Lol, what is this. I pay no fees on my paycard and its instantaneous. BTC fees make me poor and it takes hours

HicbenCrypto

I wish I could go back to 2010 and invest thousands of dollars in BTC

Decibel0753

I'd like to see that 0.01% when I send someone a few dollars worth of BTC (hint: the fee for a BTC transfer is not related to the amount transferred). Sorry, but that's just a lie.

aksinya_sidorova

If you judge by breadth (top 30 mostly red on 1Y), yeah — that’s a bear-ish read, especially for alts. But I wouldn’t call the whole market “bear” unless BTC is also losing the long-term trend filter (like the 200DMA) and failing to reclaim key levels. Lately it’s felt more like “BTC-led chop + altcoin pain” than a clean bull or bear. https://preview.redd.it/60kdpdnwjx7g1.png?width=1280&format=png&auto=webp&s=48c19fc8165ab506dc0b9b8098579b2c37bf6bff

jamallen85045

I think BTC is in year 2 of the 4 year cycle. Most Alt's trade based on BTC 4 year cycle.

ChainPilotX4

That’s the key point. Scarcity plus programmability makes BTC more than just a gold clone, even if volatility scares people short term. Do you think institutions will treat Bitcoin as a hedge in the next recession, or still as a risk asset?

DidiDidi129

BTC lightning isn’t real bitcoin, it’s called a layer 2 chain for a reason. You cannot talk highly about one network then proceed to explain that its benefits aren’t even on the network you’re talking about

systmshk

This is the equivalent to every human on Earth making a bitcoin transaction every ten minutes. So unless BTC is used across all galactic civilizations, this is fake.

Aazimoxx

>why would that be a bad idea? Because the average inflation rate over the past 5 years in USA has been over 4%. So even if you did nothing else with your money but have it in a high yield savings account or term deposit at 4.5-5%, you're technically making money you would've lost. And that's the rock bottom bare minimum - if instead you plugged it into S&P 500 or one of the other 'safe' investment options, you would've doubled your money in that time (over 15% p.a.). The same investment in BTC over that stretch would've seen ~250% gains (3.5x), depending on start date.

HauntingRiver8077

I have sent BTC to one of my friend. I didn't incur any cost. Can you please explain this if you don't mind.

Raph0uX

OK try to send 5$ in BTC and tell me about that 0.01% fees 😂

Phantasmalicious

For retail customers, the transaction time is instant and thats all that matters. Not to mention that VISA and MC come with substantial benefits like lounge access, purchase insurance, cashback etc etc. Plus, BTC transaction fees are not 0. Not for the average person.

jwz9904

Regardless whether equities pump or dump, BTC dumps regardless whether BTC pumps or dumps, ALTS dumps more

1214

A few months back when BTC was at the all time high, my wife asked me "What was the reason we purchased Bitcoin 12 years ago?" and I answered the way I always have. "As an investment for our family's future". She then said something that made me rethink everything. She said "Today is the future from 12 years ago. You did it. You made us life changing money and I think it's time we take some profit."   I was actually shocked to hear those words come out of her mouth because the idea of selling never crossed my mind. Why would someone sell their Bitcoin? There's so much potential, it's still in its infancy stage, etc. Bitcoin has made us more money than we could have imagined it would. Not enough to retire, but enough to retire 10 years sooner than originally planned. We have zero debt except for a mortgage. And the mortgage had 25 years left at under 3%. Yes, under 3%. Every financial website said to keep the mortgage. Every finance friend and even my FA said that is doesn't make sense to pay off the mortgage. Then one of my friends said that there was only reason to pay off a mortgage at such a low rate. For the peace of mind that it brings. To be able to go to sleep at night knowing that no matter what happens in the future, our house could be paid off. And that's exactly what I did. I cashed out 1/2 of my crypto holdings, paid a ridiculous amount of taxes and used the proceeds to pay off our mortgage. We still have 1/2 of our crypto remaining for the next future.  And I know I'm going to get a lot of shit from people who tell me it was a wrong decision to make. Yes, I know it was the wrong financial decision to most people, but it was the perfect financial decision for us. The feeling to know that I am 100% debt free with a fully paid off mortgage is an extremely fair tradeoff to me. Will I regret it in the future. No. Because the future isn't guaranteed to anyone. But at least if something happens to me, my family will have a place to live.

Mohammad_Noruzi

it probably wasn't on Lightning and was on native Bitcoin's network. also the exchange set the fee ( which usually the set it to 0.0002 BTC ) so for this porpuse, it's better to use Kraken/Binance which support Lightning network instead of other exchanges.

OldPickle1702

Nah 100% opposite for me. Life is about moving forward, can’t do that while looking backwards. Take the BTC and live life now

Comprehensive_Menu43

these kind of things didn't happen because years ago we were more patient don't look at value BTC EVERYDAY, that's rule n°1