IMO

Suspicious-Local-901

There’s not really a “right” choice IMO. Ledger does have somewhat of a shitty reputation tho… it’s a safe wallet. But I think that if you get deeper in the Bitcoin rabbit hole, you’ll find out about better options. For instance, it’s always better to look for open source wallets… and, again IMO, Bitcoin only wallets are better. But hey, great start! Keep learning ✌🏻

QuickBell1028

I feel you on the fees, but tbh focusing purely on the lowest price can sometimes be a trap. If you are just trading back and forth, you will probably end up losing money anyway because of the volatility. and most people suck at trading. Stop thinking like a trader and start thinking about long-term savings & investments. Crypto is basically like savings on steroids if you just stack it and leave it alone. IMO a few percent in fees doesn't actually make that much of a difference in the long run if the platform is simple and actually keeps your stuff safe in a self-custody wallet. Self-custody just means you are the only one with the keys to your money, so it is not sitting on an exchange where it could be frozen or lost. Personally, what worked for me was moving away from the big complicated exchanges. I ended up using [Omla.App](http://Omla.App) because it makes the whole self-custody thing way less intimidating. It links to your email so you don't have to stress about losing those 12-word recovery codes. I found the app simple for just buying and holding without the noise of a million different charts. There are no card fees when I use Google Pay! and for Apply pay, there is like around 2%, but it is super convenient for a quick buy. FYI just focus on building your stack bit by bit. Consistency over time matters way more than saving a couple of cents on a transaction fee.

Illustrious-Boss9356

1. Not so risky. 2. Can consolidate UTXOs during low cost windows. 3. Not sure but Lightning wallets are more risky than big 5 exchanges IMO. 4. Early starter and have witnessed the ups and downs. Things are going great. But remember, money/bitcoin isn't everything, in fact, you come to realize that any problem you can solve with $$ isn't a serious problem. Stack for a purpose and then pursue that purpose, try to others along the way. Bitcoin or not, that's a life well lived!

SteveW928

Well, first I applaud you for recognizing the risks in both and not rushing in. The 'not your keys, not your coins' I often fear might push people in over their heads. While keeping on an exchange has risk, so does an hasty (w/o enough learning) or improper setup for self-custody. I'd say that for what I'm aware of right now, and ETF would be the only option. That probably isn't a horrible option for some Store of Value benefits of Bitcoin, but you lose some of the other aspects of Bitcoin. So, it depends on what is important to you. (ex: permission-less send receive, country-fleeing, etc.) I don't fully understand how ETFs work, but I'd assume some risk there as well. But, what I'll now say, is that self-custody doesn't have to be super difficult. It might take you a bit of time think through the details, learn some things, and then implement and monitor/protect. Only you know your limits and circumstances. But, I think most people can do it with a bit of effort. Here is what I recommend as a base setup; First, just create a hot-wallet (or a couple) on your smartphone. Write down the seed phrase. Move a little Bitcoin to one of those wallets. Practice deleting/restoring (yes, this means you'll be entering your seed phrase on a digital on-line device to restore it... which is generally a no-no, but this is a small amount and we're doing it for easy-learning purposes). Maybe send some to a 2nd wallet you create. The idea here is to get comfortable with how this stuff works before making your setup for bigger amounts. Then, get a hardware wallet. Most Bitcoiners like Coldcard (several models), Blockstream Jade, Trezor (Bitcoin only version), Seed Signer (and a few others). I recommend ordering it directly from the company, not buying at Amazon or in stores (reduce supply-chain risk). IMO, the best setup for most people, is to use the hardware wallet in an air-gapped way, which means using and SD card or QR code to sign transactions, rather than plugging it into USB or using Bluetooth. Create a seed phrase with the hardware wallet... write this down... back it up into metal (many methods... I like stamping into steel washers, as the stamps, parts, jigs are easy to get and you can make as many as you like cheaply). Maybe create another copy and think of a 2nd location to store it. (continued ...)

whataboutbenson

You could do worse, but IMO better to avoid alts in a bear market. Or a bull, for that matter.

JuanBitcoin

It’s digital gold, not digital cash. IMO it’s really good at what it does

Seattleman1955

I know how they do it. You are basically right and a little wrong. How's that?:) haha IMO the better way to look at it is to consider that Bitcoin as a store of value will take a little away from gold, a little away from stocks and bonds (that's how Saylor does it) but at the end of the day my number still ends up about at the investment market cap of gold. I consider that by 2030 BTC will probably be around $350k and by 3035 will be around $500k. At that point I think BTC will be fairly mature and the high growth or adoption rate is over. After that it goes up as the dollar is debased so it remains a store of value in true purchasing power but that's about it. Can it get to $1 million. Anything can get to any number in nominal terms due to inflation if enough time passes but that's not very meaningful.

brows1ng

This is a great take IMO. 10x from here will be a very, very slow grind. The one thing Bitcoin has working for it that I think would lead it to 10x growth over time is the scarcity and the fact that Bitcoin treasury companies (MSTR) are the S&P500 which has a constant stream of demand via MANY millions of Americans’ 401k plans. I’m pretty sure the Bitcoin ETFs are either an option for 401k providers or on the way. If that’s in play, that would be an even more direct way for supply to get sucked up by constant stream of demand. Might not be a year, might not be 10 years, but I bet Bitcoin does to a 10x from here jn 10+ years. Unless something catastrophic happens, I’m very confident about that.

iTyrone__

IMO BTC, ETH , XRP and Solana seems pretty good to me .

CocoScruff

>But the world has gotten wealthier Bro, what are you talking about? The majority of people are poorer than they've even been. It's only a very tiny portion of the population that have gotten wealthier in the past 5-10 years. And inflation has done a lot more damage than good for global investing. Now if the argument is that Bitcoin is your hedge on inflation then fine... But I'd say gold is a better option for that at this point. IMO if you're still in Bitcoin you either have money to burn or you believe it will be widely adopted as a main currency in the future. Those are really the only two reasons to be in it at this point. Especially since we're in a bear market until next December. Outside of that you're just lying to yourself.

whathiron

No relevant. Good information to know, but not required to start IMO.

Coiiiiiiiii

The disadvantage of the ETF is made up for in the tax advantage of the IRA, IMO. Not everyone here would agree But you can do both 🤷

BigWarcraft

My friend tried but back then there were no easy wallets or if there was I was unable to figure it out and played mine and warcraft instead I got into csgo early and topped at 3k inv that I RWT'd over time, unboxed and kept a FN howl through it becoming a contraband and at one point had a FN howl and stattrack howl FT. Had all the karambits from blue gems to tigertooth, m9 bayonet dopplers in every pattern but the mega mega rare ones. Probably would have had 20-50k if I never liquidated but I 100% always would have as csgo was winding down IMO before the rise of the 100% not Chinese backed skin selling websites that massively inflated, the OG trade restrictions were the final straw for me. I have a couple screenshots on my profile but I treated it more like a job/money than something to enjoy and take pictures of, steam trade history still shows all the now massively 1 sided trades and I check now and then

EntrepreneurDue420

It's about China controlling 70% of silvers export and the new law starting Jan 1st 2026. Everyone went to buy it. Poor choice IMO. PUMP AND DUMP INCOMING.

Sin-City-Sinner

It’s not broken it’s over. Since government (our US government in particular) got involved with crypto that’s when the cycles were over IMO, either way it seems to be true..

ifureadthisurepic

I mean if you trust them and already own the device, you can consider upgrading and then using the up-to-date version. And if you only used it via QR, you aren't affected anyway. But if you don't own the device yet, I'd not buy it IMO.

omg_its_dan

Mods should start locking any thread that encourages people to dox their balance IMO

jawni

Solana has the best shot IMO. Solana is the only chain doing more volume than Binance and Bybit spot volumes combined on its own token/usd pairing and the efficiency of propAMMs on Solana mean that even with relatively low TVL they have better execution on SOL/USD pairs. https://x.com/kaviish/status/2002601613316513917 More and more assets are becoming available to trade, whether it's other L1 tokens like ZEC, NEAR, XRP, or tokenized stuff like stocks, collectibles, etc. And of course it's already won with memes. I think it's just a matter of time and a matter of getting more assets on chain.

ImpressiveRelief37

Your forget TX fees that are also rewarded to the miner. By 2044 the transaction fees alone will probably be a lot more than the reward in itself. We’ll see what happens,  it it’s either  * bitcoin is worth a whole lot more * the tx are very expensive (and enough people use it) * there are no incentives left to keep the network secure (large number of miners) and bitcoin collapses * something changes in the bitcoin protocol to keep miners incentivize regardless of the low block reward * bitcoin has switched from PoW to another paradigm  I think the last 2 points are highly unlikely because of how hard it is to gain consensus on bitcoin changes. IMO one of the first 3 points is most likely. Hopefully it’s #1 but who knows 

CarbonMop

Its even cooler than this IMO. There isn't some "centralized genie" who thinks of a number. The number is a function of the transactions of every day users. No matter how small, your transaction is having a butterfly effect on who gets the reward for the block that encompasses it. To be clear, this impact isn't "exploitable" in any way. Its completely random. The hash rate is ultimately what drives the probabilistic edge. The transactions are simply the "seed" for the outcome.

ifureadthisurepic

Just be aware of the security issue and I'd say probably stay away from it for the time being IMO

IndustrialPuppetTwo

Many of us, if not the majority, have been through this to some extent, some a lot worse, and I mean A LOT worse, than you. Then we come to our senses and realize that there is really only one cryptocurrency and that's Bitcoin. IMO do what most of us have done, sell your alts at a loss and put it all into BTC. In ten years you may be back to normal again and even ahead. It could be only 5 years.

biophysicsguy

The more paper Bitcoin now, the better IMO. Keeps the price down so I can keep buying real Bitcoin which I transfer to self custody.

No-Energy4550

Eventually yes IMO. Distant future.

Massive-Drive-6375

Only btc and some specific altcoins had cycle this time, the big awaited alt coin cycle didn’t happened, IMO too many ppl have burned themselves with crypto scams and in the previous cycles plus the most corrupt president and his crypto scams aren’t helped either

Mousa786

Go with Tangem, best cold wallet IMO. It’s super beginner-friendly and really hard to mess things up, no battery to die, no cables, 25 years warranty.

Whole-Reserve-4773

IMO. Ppl will rotate , the returns are better in stocks and metals now , ppl take profit and rotate into btc. YTD 16% s and p and 30% for international stocks is amazing, no reason to risk lots of capital to crypto if you are getting double digit returns in safe places.

Robotoverlordv1

all the options I'm seeing let you borrow 50% of your BTC value, but with the origination fee and interest rate it winds up being like 13-14% from all the reputable players which I have credit cards at 14% so that that point it's not very attractive to me. Interest rates need to come down as these are secured loans we shouldn't be paying more than 7% IMO.

Rare_Rich6713

One of the things I love about the blockchain now in 2025 is the QVM, coding in any programming language IMO is a game changer.

OREG_Keith

Not young. Been investing for a couple of decades. Made a ton of money in crypto and will again. It’s just that now is not the time. I held BTC and others for almost 5 years and sold before it dipped below $100k in this current cycle. I did very well. I took those profits and rolled them into gold and gold/copper mining stocks and small and mid cap tech stocks. I’ve called the market right “almost “ each time this year and, yes, I have been market punched in the nose in the past, but not on crypto. Good luck to you if you’re buying crypto these days. IMO it’s going to fall a lot farther. When it reaches my anticipated bottom I’ll buy it again.

Seth0351USMC

Cash is backed by US govt. Bitcoin is backed by nothing but the next sucker you hope is willing to pay more for the same thing. What's the word Im looking for...oh ya...a ponsi scheme. Hope you bought early and sold high before the bubble pops. IMO

FnAardvark

It bodes fine for the future IMO. OG whales dumped over 800k BTC between Oct and Dec. That means the market absorbed more BTC than MSTR holds in just a few months. Yea, the price is down, but MSTR doesn't move the market because they aren't a significant part of the market volume.

Terrible-Pattern8933

What is a rupee not in circulation? Any money is always in circulation IMO.

sparcusa50

IMO, $FET (fetch.ai / ASI ). is the most undervalued project on the market. Solid AI veteran team, agentic AI and blockchain vision. If this was a public stock, it would be worth 10x what it is now.

Comfortable-Constant

Chainlink IMO.

FilmDazzling4703

1 answer no DMs regarding this post, or at all tbh. If they have anything helpful they should be comfortable posting it here for everyone to see. 2 start learning about the tech. The block chain, the mining process, how the network works, wallets and addresses. Learn as much as you can. And learn about why BTC matters. Read Broken Money by Lyn Alden and The Bitcoin Standard, or whatever books you want on the topic. 3 get a COLD wallet asap. Many different products out there, once you understand what this is and the difference between a cold and hot wallet, do research on which product will work best for your needs, which imo in your case should be holding it long term. Not going to recommend any product but the one I have seen people caution against is ledger. Hope this helps. Sit on the bitcoin and try as best as you can to attack that debt aggressively. But with your baby if you won’t be able to start working on that debt, sitting on the BTC for 5-10 years will guarantee you can pay it off with the BTC some point down the line IMO

FilmDazzling4703

#1 answer no DMs regarding this post, or at all tbh. If they have anything helpful they should be comfortable posting it here for everyone to see. #2 start learning about the tech. The block chain, the mining process, how the network works, wallets and addresses. Learn as much as you can. And learn about why BTC matters. Read Broken Money by Lyn Alden and The Bitcoin Standard, or whatever books you want on the topic. #3 get a COLD wallet asap. Many different products out there, once you understand what this is and the difference between a cold and hot wallet, do research on which product will work best for your needs, which imo in your case should be holding it long term. Not going to recommend any product but the one I have seen people caution against is ledger. Hope this helps. Sit on the bitcoin and try as best as you can to attack that debt aggressively. But with your baby if you won’t be able to start working on that debt, sitting on the BTC for 5-10 years will guarantee you can pay it off with the BTC some point down the line IMO

Live_Jazz

Another option to consider if this more of a trade for you than a permanent holding (sounds like might be the case) is IBIT LEAPS. I wouldn’t normally recommend that as LEAPS are inherently more risk, BUT as you’d be taking a loan here, it would allow the same level of exposure utilizing less loaned capital, which evens out the total risk exposure IMO. In other words, if things go catastrophically wrong, you are somewhat less rekt. Just something to think about.

fakehalo

His leveraging behavior feels anti-bitcoin to me, he makes himself and his company vulnerable to the very thing that spawn bitcoin in the first place (the over leveraged great recession in 08/09). I was short MSTR, closed it too early and now it's too low to mess with IMO, just long bitcoin cold storage at this point.

Plenty_Dog_5684

IMO, end goal is when it becomes the base unit. For example you go to a restaurant and the bill already you how many sats it is, like how bills in Mexico show the price in USD aswell as Pesos

Rare_Rich6713

I bought a flight ticket with crypto via alternative airline, that’s cool IMO.

JohnMcafee4coffee

I wrapped 4 BTC under Fantom That went very well IMO stay away from any wrapped BTC

Froz3n_Cornchip

IMO Strike for DCA. Kraken pro for spot buying. Both are great for cold wallet transfers. I did a lot of exchange hunting and this was the conclusion I came to.

BTC_is_waterproof

IMO it’s always a good time to buy

justcurious3287

You really can’t tell what’s good and bad in such a terrible market. Much more visible in a bull run, IMO.

justcurious3287

BTC is mandatory, IMO. BTC is the GOAT.

NilNow

It was easier in 2017-2019 IMO because the trade was less crowded and there were so few true believers, it just felt like quietly holding a lottery ticket. When conversations did come up with people who didn’t trash it, they were usually intelligent and even humble. Not so much “btc is inevitable” type talk. There were crypto bros but i don’t think they got noticeably bad until the NFT and meme crazes in 2021.

aksinya_sidorova

IMO 2026 won’t be about hype-heavy altcoins. If the alt market stays weak or choppy, capital usually rotates to assets people already trust. That’s why tokenized stocks and tokenized gold could quietly become a bigger narrative. RWA is evolving beyond bonds into things like Apple, Nvidia, ETFs, and gold exposure on-chain. When risk appetite is lower, people tend to prefer price exposure to real-world assets over experimental L1s or new meme launches. Tokenized gold also makes sense as a hedge if macro uncertainty continues. AI will still matter, but expectations are higher now. Privacy comes in waves. Memecoins won’t disappear, but liquidity will likely concentrate into fewer names. Some exchanges, like BingX and Kraken, already list these different asset types side by side, which makes this kind of rotation more practical in a mixed market.

Seattleman1955

I agree, but I'm guessing that many people that say that just don't have a high net worth in the first place. If someone has a net worth of $10k and it's all in Bitcoin. OK, that fine but "all in" isn't great advance to give to someone with $1 million (IMO).

elephantdance11

IMO (lots of grains of salt), that's not it. Physical or digital, scarcity is in play. I think people just know gold because it's been around longer. Bitcoin is taking its turn is all. After gold comes Bitcoin.

Bbronson123

Bo3 was a worst version of bo2 IMO. Zombies were good but multiplayer was like an 7-8/10. For reference everything pre Bo2 in my mind was either a 9/10 or 10/10 for multiplayer.

RedHairNoCares

IMO this would be true if the futures market reacted purely to the spot price. But the futures market does much more volume and can be shorted so it likely does have an effect on spot price.

Saylor_Moonboi

All current inflation numbers after around 1983 are flawed, in that they added a bunch of nonsense to the CPI measurement that really makes the numbers look a lot lower than reality, specifically Hedonics and Substitution. If you are not familiar with them, Hedonics is this idea that adding a new feature means they need to reduce the price (like LITERALLY, they GUESS how much a TV with a spinning rim on the side should be worth to you for the extra useless rim, and take that much off the price, but the problem is, you HAD to actually pay the full price in dollars, but its not counted in the CPI !!), because you got more benefit for the same price. Just think about this logically. WHY does the government get to take dollars out of the real cost that you actually paid, just because the product got 'better' ? Why does the government get 'credit' for productivity gains in the CPI ? The government didn't make TV's better, why should they get 'bonus points' in their inflation numbers ? A secondary problem with this is that the sad fact is that for every real useful improvement, like a thinner TV with no tube, you get a car with a single screen that you have to scroll through while driving, replacing 10 knobs that did the job way better, but that ISN'T an 'upgrade', its actually a DOWNGRADE, but they don't 'hedonic' downward ! Substitution has even flimsier logical ground to stand on. This idea is that when you switch to a cheaper option, for some reason, the now-too-expensive item gets removed from the CPI calculation. Now in some cases this makes sense. Why would we still have expensive buggy whips in the CPI, if like 12 people still buy them for their 'one-horse-sleigh' business ? But if steak goes out just because only the top 10 % can afford it anymore, that shouldn't be removed, becasue steak isn't obsolete like buggy whips, its just not affordable anymore, and you can prove substitution is nonsense by taking it to its logical extreme. In hyper inflationary conditions, people would change from buying rice to digging in dumpsters for dinner, and from renting to being homeless to survive, but making those substitutions in the CPI might actually take inflation all the way DOWN to 0 %, just from most people not being able to buy anything but the bare necessities anymore ! That is the inherent flaw to substitution, is that it way downplays the real decline in living standards experienced by people trading down, and that is why we shouldn't have it either. IMO, any S&P growth below, say, 7 % is probably mostly inflation, which is why gold and Bitcoin are now chalking up better numbers than 7 % consistently, because things have changed from the inflation tame 90's and 00's, and in this new time of debasement, you really need better returns, just to stay even. This is not to denigrate the S&P 500, which itself has returned more than 10 % during the time of Bitcoin, only to say that stocks NEED their new found higher returns, so they can still net anything to their investors !

DRAGULA85

Yes I have duplicated my stack If a thief gets one half. But not the other. He doesn’t get your bitcoin. But neither do you. Which is why it makes sense to duplicate your stack IMO Then split everything up into 4 locations. The further the location, the more effort and risk of your attacker [LIKE SO](https://postimg.cc/KKpbxYCR) The attacker can of course force you to your other locations but I have not read any stories of this happening as of yet. They deserve my Bitcoin if they successfully force me to reunite my stacks lol

ElGuano

IMO the shady part isn’t what the feature does. It’s the fact that Ledger for the longest time maintained such feature was impossible, and the seed could never be extracted from the secure element and Ledger did not have the ability to change that. Then they suddenly turned around and now you can send your seed online just by tapping a couple of buttons on the ledger. and their tune quickly turned to “well of course we could have always done that.” That’s when I switched to Trezor.

Unusual-Piece-93

Re-read the ops question. They have just started buying bitcoin (newbie). Good idea to mine? **No** Better to just buy bitcoin with the money? **Yes** I was a newbie when I bought the miners 6 months ago, I am still learning. Whilst tax can make the equation better by claiming costs with KYC, CGT becomes worse (no discount for 12+ months held on mined BTC, at least in Aust). If you’re not KYC, you can’t claim electricity and machine depreciation against the cost of the BTC mined. CGT cost base would be zero if you ever try to sell for fiat on a KYC exchange. **The OPs question was surely about most cost effective**. In 4 months, my rewards reduced by 23% and getting sats that the miners cost back looked unlikely. Add to that the electricity cost and I would be well underwater. Rewards advertised are NOT guaranteed, they are more likely to go down every month. So I sold the miners and will DCA what I would have paid in Electricity. I was mining on a hosted platform to a mining pool and therefore not running a node. An efficient miner requires 3 phase power which most people don’t have at home. Consider repair costs and downtime not hashing. Look at the global hashrate always going up, rewards going down; except in a dip when mining for fiat becomes unprofitable as it’s cheaper to buy the sats on an exchange. Cost of miners has also gone down with BTC price, meaning I lost money on the miners. Once the halving happens, there will be more efficient ASICs available so the ones you bought now will be scrap metal in 28 months. Not profitable to mine with and cannot be used for anything more than an ugly door stop. If you want more sats, buy on exchange. If still interested in mining and securing the network, buy a lottery miner and run a node. IMO, the only way you make money from mining is if BTC hits new ATH, but you would still likely have more sats if you had spent the miner cost and electricity costs buying sats on exchange. Just my 2c worth from my experience.

GreedVault

Only recently many large CEXs have moved into the prediction market. IMO, it is more likely that these big CEXs are looking for another engine to drive the crypto industry rather than a natural progression.

Fun-Technology-1371

Its doing better than ever. If you just joined in the last year then you're down or underperforming. If you have a 4+ year time horizon, its probably the best time to buy on a risk to reward basis (IMO).

Majestic-Tadpole8458

Monero being actively used on darknets as the de facto privacy crypto. No one is using zcash. IMO this is the ultimate testnet as people are risking their livelihood/jail time if there is a breach of privacy. The existence of these markets prove it is working and a viable crypto suitable for mainstream use too.

Heatsincebirth

No depression but rocky month or so for equities and crypto probably. The stock markets been making new highs for months now because of AI. When the shit hits the fan it gets messy. Gold would probably be ok because people will want to keep their money invested in something rather than having it sitting on the sideline. It's the type of scenario that should move Bitcoin higher, and I think it will but there would likely be a pullback first IMO.

TP_Crisis_2020

Hot take: IMO, BTC will never reach $200k. Each cycle, the increase in ATH by % gets smaller and smaller.

BigDeezerrr

Being ok with the confiscation of Satoshi's coins against his wishes is the height of Bitcoin heresy IMO. Might wanna look in the mirror, "bad actor"

dlethe3133

Consider tax liability whenever selling an asset. I’m no tax accountant but you don’t want the government getting more than they are due. Selling crypto and giving $100k means you eat cap gains taxes. Is crypto in joint account? What is cost basis if you transfer? Answers require expertise in your state ( if you have state income tax) and fed tax code. Also was any crypto capital loss? Talk to an accountant and ignore advice from someone who didn’t talk about taxes IMO

Seattleman1955

Like anything else, more education (reading and thinking about it). The key, IMO, is to "understand it" rather than to just "religiously" "believe" in it. For instance "never sell" is just emotional believe without thinking. I have held QQQ for decades yet I've rebalanced a little and if I need money one day I'll sell some. Same with Bitcoin. The real key with Bitcoin is to sell some, if you need to and never sell "all". The uneducated in Bitcoin always wonder, in a down market, why anyone is selling. If no one ever sold, there would be no market, no price discovery, no value. Even Bezos and Gates sell some of their company stocks from time to time. Educated yourself is more important than just "believing" IMO.

BigDeezerrr

Yeah its a completely logical and, IMO, fair proposal. Dont let anyone steal Satoshis coins. We shouldnt allow grave robbing of peoples coins.

Life-Fennel8823

All you can do as a long position holder is wait it out. IMO.

choicehunter

Don't need an expensive chair, but definitely need more than a stool if you're sitting in it for hours per day. Something with a cushion and back to lean on. I got some some good chairs at a thrift store that was very comfortable, with cushions arm rests, a back to lean against, and could rock or be stiff...I got some nice chairs for as little as $5 and $10. That's way worth it over an uncomfortable bar stool if you're going to use the computer for more than a second price check. Comfy chair and mattress is non-negotiable IMO... But to each their own

MariachiArchery

Ah... Got it. So, you'd be cranking up the leverage to make this loan work, pretty much already slammed against the liquidation price. You want to convert your BTC into real property? I support that decision. It's not a gain if you never sell! Lock in those gains and buying a house is a great move. That is my plan as well. When I do sell, it will be to convert to property. Great move IMO. That said, if I only needed like a third of my stack to make it work, I'd do a crypto loan for sure. But not at 80%. Way to risky. The market drops like 2% and you'd get margin called. Fuck that noise lol.

NilNow

4 year cycle inevitably will end IMO. Halving has a diminished impact each time and now with the scale of miners + Wall Street, they have many other ways to secure financing or open new revenue streams. They don’t necessarily need or want to sell bitcoin to finance everything as they did previously. So if the halving isn’t drastically affecting the rate of issuance anymore then it’s not really a supply question anymore. The only affect of the halving would be on demand itself (self fulfilling prophecy from everyone trading it), and this will eventually be traded into oblivion by more sophisticated players.

Outrageous-Vast-3212

Why would you not buy more? If you invested with the mindset of not touching it for at least a few years, then you invested for the right reasons. If you bought some with money you can’t afford to go without you shouldn’t have bought in the first place IMO. To each their own respectfully, but it sure seems like the majority of comments I read, are people with too much time on their hands and lack intelligence.

sjr00

BTC market cap is way bigger now and is far most liquid. 90% drops in the era of ETFs, I don't see it. Only a black swan can get BTC all the way down there, IMO.

SteveW928

I don't know... though I've realized over time that there are a lot more 'traders' in Bitcoin, than people who really understand Bitcoin. Plus, I'm not sure how many people really know the economic situation of the USA/world. Jack Mallers' podcast is indispensable, IMO. There's no way the USA can avoid printing a ton of money, so unless Bitcoin fails, it goes up. The timeframe is the only remaining question. That's why I'm bullish. Stack & HODL!

ConsiderationFit2353

IMO VC and investors come, but the real play lies with the community. A community backed project would see massive gain than VC funding

Matt_Fucking_Damon

Lost me at #4 as well. 10% is such a low allocation it basically is admitting, "I'll give this thing a go, but I'm not expecting it to really go anywhere." It's just play-money at that point. Anyone who thinks Bitcoin isn't here to stay in a meaningful way isn't worth listening to at all, IMO.

mainstreetmonkey

I meant that nowhere in your post does it say you buy weekly. The way it's posted looks like you just try to time bottoms, hence my earlier response. If you are consistently buying, then you're doing it right, IMO. That being said, I still wouldn't fret about timing when you're putting in $100 at a time. The difference is so minimal. Now if we have a 5% or greater draw down in a single day, that's where i'd dip into my dry powder. But keep in mind I'm just an internet person.

LooseSpot4597

I think we can debate semantics all day. IMO even though the impact to supply is decreasing it’s still a factor, but if it just look at it it is absolutely following a 4 year pattern.

Suspicious-Local-901

Better safe than sorry IMO

Fiqury-U771

You’re not wrong to be cautious CashApp is known to flag gambling activity. I actually found this thread after reading another[ Reddit post ](https://www.reddit.com/user/Bulatid/comments/1pfs78g/my_story_about_finally_hitting_big_in_online/)where a user shared a genuinely reliable crypto platform for casino play. From experience: exodus and Trust Wallet are solid non-custodial options and usually fine for receiving winnings. Blockchain can be hit-or-miss, similar to CashApp. Crypto. com works, but expect KYC and occasional limits. Best move IMO, use a dedicated wallet just for gambling, keep clean transaction history, and avoid mixing funds. DYOR and manage risk smartly.

doyzer9

Use a dedicated computer that has **never been connected to the internet** (and never will be again). Generate your keys offline using software like Electrum, etc... (download the software on a separate, online device and transfer via a clean USB drive). Sign transactions offline and broadcast them using a "watch-only" wallet on an online device. Mainstream cryptos only, not shit coins. **Security Practices:** Ensure the machine is completely air-gapped (Wi-Fi and physical network connections disabled permanently) and physically secure. Extra: **Encrypted USBs:** You can also use a USB drive with Tails OS, which includes pre-installed secure wallets and leaves no digital footprint on the host computer. **Multi-Signature (Multi-sig):** Use services like Safe (formerly Gnosis Safe) to require multiple approvals for a single transaction, ensuring no single compromised device can steal your funds. Needs multiple devices or persons to complete all transactions. **Shamir's Secret Sharing (SSS):** This is a cryptographic method that splits your seed into multiple "shares", requiring a predefined number (a *threshold*) to reconstruct the original. For example, a "2-of-3" scheme means you create three shares, but only need two of them to recover your funds. * **Pros:** Protects against single-point failure (one lost share doesn't ruin the backup) and stolen shares reveal no information below the threshold. * **Cons:** Not all wallets support the SLIP-39 standard needed for this, and the setup is more complex. **Use a Passphrase (25th Word):** This adds an extra, user-defined word to your standard 12 or 24-word seed phrase, creating a completely different wallet. * **Pros:** Even if someone finds your primary seed phrase, they cannot access your funds without the specific passphrase. It also allows for a "decoy" wallet with a small amount of funds to protect against physical coercion. * **Cons:** If you lose the passphrase, your funds are permanently lost, even if you have the 24 words.  IMO: encrypt your seed phrase and store on an encrypted usb drive with unforgetable complex passwords. MyPa55w0rd1sN0tMyVeh1c1eRe90rMy01dTe1eph0neN0+01-123 555 6789. Hint: **MPINMVROMOTN..................** Tw!nc1eTw!nc1e1!tt1eStarH0w!W0nderWhatY0uAreN0+01-123 555 6789. Hint: **TTLSHIWWYA.....................** Store ultra safely in at least two sperate locations (never online) Good Luck

MountKrypt

IMO we haven't actually been in a bull run throughout 2025. Almost ALL tokens are actually down this year. BTC did hit new all-time highs but its been more locked in a range for the entire year than a true upward trend. The consensus was that 2025 was going to be a repeat of 2021. Whenever you have everyone agreeing on what the market's going to do, that's a sign they're probably all wrong. When market sentiment gets real bearish and EVERYONE expects 2026 to be a repeat of 2022 (down only), then we'll see the true bull run begin. That's my prediction (take with a grain of salt).

SpecialDonkey6563

Nobody knows. There are only opinions. Some will be right. Some will be wrong. I’ll give you mine. Bitcoin IMO is near its low. Could it fall into the 70’s or 60’s or even lower? Of course.

Robotoverlordv1

I'm thinking to borrow against it at a relatively low LTV and/or possibly utilize some of the margin call insurances to avoid losing it. I believe Bitcoin for at least the next 10-15 years will have a 20% CAGR minimum and likely much higher so borrowing against it at 10-15% makes more sense than selling it IMO.

Intrepid-Gas7872

VOO is great but IMO it’s better suited for those that want to “keep” their wealth more so than to “build” their wealth. You’re not likely to index fund your way to riches but it is great for keeping your riches.

ReliantToker

Still young and can afford more risk than VOO IMO. Maybe a few granny shots in there also.

Romanizer

What's to gain from that? Main use cases sound much more profitable IMO. And for those you need fewer logical qubits and quality gates, so not really a byproduct.

ralphyb0b

They won't have to sell BTC. They just diluted shareholders to raise 21+ months of cash reserves. It would take a very bad black swan to sink them, IMO. With that said, I would rather hold BTC than MSTR.

AstonMarco

This is very true IMO

mdnz

A lot of people here are in denial I noticed lately. They cannot comprehend that a lot of people don't want BTC anymore, that is the main reason for the price drops and stagnation IMO.

AvatarOfMomus

I think this is more from the perspective of someone immersed in Crypto. In the real world the actual scale and impact of Stablecoins and DeFi is pretty minimal and their growth is slow, with very little real-world relevance to at least 95% of people. Like, the Crypto media sphere makes it sound like everyone in <insert country here> is using Stablecoins and Defi platforms, but every time someone goes to verify the actual adoption is tiny, or a bunch of people used something once because it offered free money, and then they never used it again. IMO there's a real problem with a 'crypto media bubble' that pushes exactly the narrative you're displaying here, but the actual reality is very different. It's like the difference between a headline touting a '500% increase' and one saying a meme coin went from 2 cents to 10 cents, and the reality is that was caused by someone buying $50 of it because they lost a bet.

hank1321

agreed. but the best quesses atm are that the q-day wont come in next year or two. So if we start working on the problem now, we will (most likely) get everything done before shit hits the fan. And yes, migrating the coins will take time. and that's also a great reason to start working on it now. Also, I agree we must have a difficult discussion what happens with the coins that aren't move. IMO best option is to leave them as they are. Freezing them or changing the protocol to take them for things like mining rewards would IMO be against the ethos of blockchain. But, if we put the plan together in the next 2 years, we most likely will have enough time do get everything else in order as well.

hank1321

this will be a difficult philosophical debate. 1. will we freeze the coins? 2. will we take them with some protocol change? 3. will we just leave them for QCs to find? IMO, the 3rd option is the best. I don't like the idea that we change the bitcoin in a way that some coins acan be freezer or confiscated. this is againts bitcoin. I rather see a price dump for sometime than break the most important aspect of bitcoin.

Jueyuan_WW

Yeah 99,9% is shit but people indeed use it IRL for a lot of tech-related stuff. Also IMO the Crypto that has the most value which is BTC is more of a reserve of value than to be used instead- like how you would hold gold but instead use copper or bronze ( shitcoins or fiat ) to buy stuff .

piggleii

Yeah, decent price now and it might go lower, but the lower it goes, the better it is to keep stacking. IMO. NFA.

jockornerd

The decentralization “need” of crypto is entirely overrated IMO. Like the post states, you can lose decentralization in other chains based on validation or token concentration. More importantly, the powers that be will never allow for true decentralization. They’ll always want stability and an element of “control”. They’ll always governing council is a perfect compromise. If DLT, or blockchain, becomes mainstream as a utility, Hedera is best positioned for true enterprise adoption. The question is the “if” of the utility. It’s there, but no guarantee that it is taken up and web 3 remains niche.

Ricola63

This is not the case at all. And it’s not out of any decentralisation definition - it’s opinion. IMO - A network of permissionless nodes is wide open to abuse. There is absolutely no guarantee the Chinese Government don’t own half the Nodes. Or a collision of developers. Or any other silent organisation. It’s highly probable, IMO, this is the case.

Ricola63

What aspect of it is not Decentralised? I think the only aspect that might come under debate is the Nodes are run by known entities. But the concept of Decentralisation through Permissionless nodes is flawed IMO. How do I know that a network with 10,000 nodes doesn’t have half of them owned by China? N. Korea, some secret collusion of organisations or individuals? I don’t. But I do know that Google is very unlikely to destroy its multi billion dollar reputation to collude with Standard Bank. Because the ownership is known the meeting minutes of the GC are published online. This is far better model of governance than having unknown developers making unknown decisions in back rooms and enacting those decisions (decisions costing users millions of dollars) at times of their choosing. In all other respects Hedera is patently more decentralised than any other platform. It’s ABFT, the highest standard of consensus security. The entire history of its activity (which is fork resistant) is continuously steamed to mirror nodes, making interference all but impossible,. All of Its code is now literally owned by the Linux foundation. Meaning an open source foundation own and hold ALL code, all documentation and all repositories. In addition every single line of code is signed off by developers as being fully open sourced. This is the gold standard of open source.. Plus. Its entire development is run in a well known and established gold standard open project format, by numerous external (to Hedera) organisations through the Linux Foundation Decentralised Trust project Hiero. It’s legal ownership is distributed, exactly evenly, between 32 completely separate organisations (which is probably much better than you can say for any other network. In addition each of those organisations is Geographically dispersed, runs on different web services platforms AND all but one is Time limited (meaning they are decentralised by time as well as everything else). It seems to me that objections to Hederas decentralisation are based on ‘tribal’ reasoning created by people with a financial interest who have a protectionist mind set. We shall, of course, see, but for me Hederas current configuration is already way more decentralised than other models and is set to further increase that decentralisation.

HBAR_10_DOLLARS

>Do you think there is danger of the hashgraph reaching wide adoption but leaving behind the hedera network and the HBAR token? Good question. In the past, there was a danger of this - that’s why Hashgraph was originally closed source in the first few years of Hedera being a public network. It is now fully open source and stewarded by the Linux Foundation. The reason it’s not a threat today is because of the strong governance, IMO. You can’t fork governance; you can’t fork the Hedera Council, which is totally unique in the space and took many years to build. Hedera is already established. You may be wondering, what about private networks? Maybe someone wants to copy the code and use a private network on their own? Hedera will soon be releasing a major feature called HashSpheres (currently in beta). The gist of it is that they allow people to easily spin up their own private networks running on Hashgraph; these networks are all linked to the Hedera mainnet and can use it for communication with the outside world and other Spheres. So you get the best of both worlds. Most use cases will end up being hybrids, with some data private and some public. That’s what the Reserve Bank of Australia is building - they actually required some of their use case be on a private network, so that part is on a HashSpheres. And the Hedera mainnet is still right there so they don’t lose connection with the world like other private networks do.

word-dragon

Bitcoin is my money. For tax reasons, I try to keep enough dollars to cover operational expenses so I don’t have to buy them. The rest of the dollars I sell. As I get older and need money for retirement, or something special, I’ll buy some dollars to cover that. Why would I get rid of my money? That makes no sense. You mentioned “crypto”. If you are messing around with alt coins, IMO you are wasting your money - and even your pounds!

Medium_Change4574

If macro improves in 2026 it will favor altcoins more than BTC from this point on IMO because alts have a higher potential upside from here

JakRenden2

The point about selective disclosure is the most important IMO. Full transparency works for simple transfers, but once you get into enterprise use cases, supply chain, tokenized assets, etc., nobody will want to broadcast sensitive data publicly.