IMO

andytobbles

Eh IMO with sentiment at all time lows like this and Bitcoin trying to find structure above the 50 before the weekly close this Sunday it screams major rebound.

namieorange

IMO some big player is buying. Saw a Big purchase before it started pumping, and then a few 5M purchases out of nowhere. Maybe Yonnatan tweet calling out Binance touched some nerve in some T1 exchanges

Jonathan_Goetsch

If you want something that “just works,” try Backpack/IronWallet. IMO both are modern, clean, and support multiple chains without the headache. Trust Wallet is fine, but I’ve had minor sync issues on mobile now and then. GL

karbonator

Bitcoin IMO

SilverbackViking

Dude FFS 😂🤷 Crypto people have seen multiple 90% crashes, multiple 1929 style crashes. This is just a pull back in a bull market IMO, this bull run hasn't even seen any kind of "overheating" yet. Certainly not time to sell when essentially 100% of sentiment is sell and the bull market is over, extreme fear readings, low RSI. Give it a few more weeks when liquidity conditions improve, US Government opens and Central Bank stop reducing their balance sheet (due early Dec) and we'll start working on that final bull pump IMO. Now cue 90% crash 😂🔥 Buy the fear, sell the greed.

Full_Muffin7930

That's interesting. Do you think it's a coincidence, given the recent pardon? CZ seems to be aligned with the Trump administration, else why pardon. I don't take Trump for a schemer with a grand plan ("I don't even know who he is" lmao) , but the people around him are smart enough to know there's enormous potential in using crypto currency and bitcoin as a tool to transfer power from the economic (dollar based) establishment to whoever holds crypto.  That's what I think is happening. In the face of (deliberate) inflation and uncertainty, a decentralized store of value with a permanently fixed supply and enormous backing via energy spend starts to look more and more rational. And when there's very little actual left to buy on the spot market, real demand will have explosive price impacts IMO. 

iwakan

How is it a strawman argument? I am not putting other arguments in your mouth. I am simply saying that the arguments that you did make, are false. No, I am not going to watch your video. Sorry but I am 99.9% sure it is the same goldbug/bitcoiner narratives I have heard a million times before, and I do not want to spend time on that. From the description I'm guessing that it asserts that "money" is only a store of value and not what people use to transact, what that what people transact with is called "currency" instead. Nonsense. A primary function of money, in any sound definition, is being used to pay for stuff. Store of value is only one of several potential functions of money and not even the most important of those functions IMO. A simply dictionary lookup for the word "money" will back me up on that, and I will not let some youtube video gaslight me into thinking that the dictionary is wrong.

tmoney9990

It’s about to drop again.. green to red candle.. watch. But, we are close to a bottom IMO

iwakan

I'm sure some people have asserted the same thing before bitcoin, like goldbugs or whatever, but they are not an authority on money, either. No, the most important (and IMO only) property of money is simply "that it's actually used as money". A criteria which bitcoin ironically fails. And fiat passes.

RandomJoe7

That's not the "logic" I am drawing from it. I'm not saying BTC will do good in future because it did good now. I'm looking at the whole market since the last 3 cycles and can see a pattern of alts becoming less relevant, and BTC keeping its relevancy in comparison. Reasons for alts becoming less relevant are a plenty: many have been burned by them, there's now a multitude of alts compared to old cycles, meaning they're all trying to get a piece of the "same" pie, making them all individually less relevant/valuable, people realising more and more that they don't really solve a real world problem, etc. Can there still be some alts that perform well and even become huge and here to stay? Sure, definitely. But overall, alts have been losing in relevancy, and IMO will continue to do so.

Purple-Wall3847

First Q I would ask myself is.. Do I really have "extra money",? I.e. I/we have nearly zero debt and an emergency fund that covers 3mos of expenses in the case of an extreme emergency? IMO if there is a choice between being debt-free with an emergency fund, no mortgage, rent, car payment, credit card balances etc. (I use 6-8% interest as the rule of thumb on debt) and hold a full BTC, I'd rather be debt free with some backup cash.

idkeverynameistaken9

I don’t think leverage in itself is that problematic. The problem comes with *high* leverage. Something like 2x leverage doesn’t introduce much additional risk. But 3x is much riskier, both due to liquidation risks and path dependency. And anything higher is just speedrun gambling IMO

Ricola63

I get that.... But the truth is that is perfectly normal in emerging markets. You have a period of hype, followed by a period of nothing (or a feeling of nothing) and then slowly the utility emerges. The more funds raised in the Hype cycle the longer the hype cycle lasts. After all, why deliver utility when you can spend $1Mn on marketing and raise $50Mn? I am old enough ot remember the 2000 DOT COM boom and bust. It was exactly like this. BUT, the people engaged in it were people buying stocks. There was a little more grit in the cogs than there is today. The Hype BOOM lasted perhaps two years. And then.. Crash. It took four or five years plus for the true winners to emerge. With Crypto there has been a longer boom (in fact its been transformed into Cycles). But just as you pointed out the people are worn with it now. They feel much like you do. So how does anyone in the business actually make money when they can no longer fleece the unsuspecting? Well, they are quite literally forced to move from Hype to Utility. That\`s how. The time is rapidly approaching when all the major players, from ETH down (because BTC has reached a slightly different plane IMO - one I do not subscribe to as it happens) are going to be measured on delivery, performance and proof, not mealy mouthed half baked truths, smoke and mirrors or outright lies. And that makes me very happy.

SaggyChops1

If it only dumps at some point to 70k that would be a huge win for bitcoin IMO

Ricola63

There certainly is a TON of hype. Any dying market screams louder at the end. Ironically it’s all the hype that is slowing down real adoption IMO. No one quite knows what to believe. But in among all that hype, real world things are changing. The political landscape, the regulatory environment, the understanding and adoption. It’s my opinion that the next five years will see serious adoption. But it’s just an opinion.

Industrious_Plankton

IMO: If Your portfolio has BTC, ETH or BNB, no harm in holding these for long term. You may even DCA more if You have funds/risk appetite.

RandomJoe7

IMO that stat is a bit misleading/hopium/copium. In the richer countries (USA, Europe, etc...), pretty much everyone knows about Crypto. They have either dealt with crypto themselves, know someone directly in their family who has, or have negatively talked about it at the latest christmas party. I literally do not know anybody who hasn't had any exposure to crypto. I'm sure those people do exist, but it will be 1) really old people who won't get into it anymore anyways or 2) in poor countries that does not have significant wealth to put into crypto, thus not making any meaningful impact anytime soon. In the next decades? Maybe... but until then, a lot of other things can change as well.

Over-Quarter7110

Im skeptical of anything that's not Bitcoin. Any other cryptocurrency is just gambling IMO. If he's relying or trusting some middleman to come through then its antithetical to the purpose of Bitcoin. The non-Bitcoin decentralized exchange and smart contract world of crypto is insanely complicated and rife with scammers. Idk what your partner is wrapped up in or if it's legit, but if they cant explain it to you it's not a good sign.

Notmanynamesleftnow

I’ve been holding since the beginning of this becoming mainstream, around 2014 or so for me. Best decision I’ve ever made. IMO whether it’s equities (stocks / ETFs) or crypto, holding on for long term and investing more consistently over time is the best move. The market goes up. If you’re young you have a very long investment horizon. Yes there is risk but at least with respect to stocks, case studies show long term consistent investing overtime regardless of how the market performs in the short term outperforms hedge funds and builds wealth. I’m taking the same approach with crypto and it’s worked so far for 15 years.

Traditional-Fan-9315

It's not the ETFs IMO. It's the rampant and legal manipulation from large institutions. It's just a part of growth. The clarity act should rectify things.

bnh1978

IMO the whales are gathering liquidity. Gold is also down. Stocks are going to crash this week or next and they want their cash to buy a mega dip. The whales are in on the fix.

ruwheele

Theres 2 different markets IMO. BTC market and everything else. BTC id say is honestly in optimism, like i barely see any hype lmao doesnt seem like anyone cares but people are happy. Then there is the rest of the market which is probably anger/depression.

isadpapi

IMO ETH is over. If it couldn’t pass ATH this cycle, it’s not a good look. 

Major-Rabbit1252

Fear IMO. I try to not overcomplicate these things, but seeing people flee to gold is a sign in my eyes. I think people are bracing for something and crypto is currently too volatile and risky. Also I think people are seeing the stock market perform well (sans today). Stock market at ATHs or close to it could be attractive for investors. People have it backwards though IMO. I’d rather hop in on something that’s deep red than near ATH. With that said, there’s no telling when this market will start seeing a lot of green. Could be a long while

Major-Rabbit1252

Anyone selling rn is a fool IMO lol. Unless you desperately need the fiat or have a very low cost basis and can stomach it

Trap_House_Bath_Mat

Ib100% agree. Alts aren't dead, but if we get a decent pump Im dumping half my ETH. Other half is staked long term. The issue with Alts is they wont be utilized for atleast another decade IMO. Or atleast not anytime soon. Society has so much shit going on that overshadows anything new to crypto. The economy isn't in the right place for any financial transition. Maybe durring the next U.S. adminstration. Assuming its not conservatives still in power.  After 14 years, do you believe we are still in for a decent pump/run sometime in the next 12 months?  I don't want to bag hold like last bull run, knowing it will go back up, possibly to a new ATH, but not take the gains I can now.  

sebovzeoueb

Because you're just hoarding it instead of using it to contribute to the economy in some way. The idea of tax is to keep wealth circulating instead of locked up. The problem is that we're mostly applying this logic to the people who already don't have that much, but going after people who have over 2 million is a step in the right direction IMO. Not losing any sleep over those poor millionaires who can't afford a 2nd yacht because of this tbh.

Sandharbor

He was literally saying he was you and everyone like you too. Go into any alt coin sub and you’ll see them “diamond hand” coins that underperformed BTC this whole cycle, coming up with excuses and holding the entire position while it rolls over. For most that’ll be less profitable if at all with deeper draw downs.    IMO he’s right if you play alts take your profits use it, put it into other assets classes, or roll it into BTC and hold that. 

diligent22

Substantials peaks in 2018, 2021, 2022, 2025q1, 2025q4, and soon more peaks in 2026... IMO - the 4 year cycle is nonsense. It's not a thing. https://i.redd.it/leho0o27s8zf1.gif

whataboutbenson

I’m with you. Macro and the news can cause flash crashes and pumps, but within 48 hours they’re often reversed in accordance with what the market is really doing. Then people say “this market doesn’t make any sense,” failing to realise that they’re actually just looking at the wrong things. I personally anticipated a cycle top of around $115k 18 months ago, just based on how the returns were diminishing each cycle. Calls for 250k etc were always preposterous IMO.

Present-Ruin-7094

If I had to narrow it down to just 3, here's my thinking: **Bitcoin (BTC)** \- Still the gold standard and most institutional adoption. It's the safe foundation of any portfolio IMO. **Ethereum (ETH)** \- The smart contract leader with actual utility. The merge to PoS was huge, and the ecosystem keeps growing. **Solana (SOL)** \- Higher risk but massive potential. The speed and low fees make it genuinely usable for everyday transactions. That said, I've been doing a lot of my trading on WHJHYY lately because their platform makes it easy to diversify across multiple coins without getting killed on fees. The interface is pretty clean and they support a solid range of assets beyond just the major ones. If you want to check them out: [https://www.whjhyy.net](https://www.whjhyy.net) **Disclaimer:** This is not financial advice. I'm just sharing my personal perspective based on my own research. Cryptocurrency investments are highly volatile and risky. Always do your own research (DYOR), never invest more than you can afford to lose, and consider consulting with a qualified financial advisor before making any investment decisions. Past performance does not guarantee future results.

chanmalichanheyhey

IMO it’s simple. There is just way too many coins and everyone is shilling different things liquidity gets thin

jemook

Most alts have been demolished, bigger chance of them running IMO

BlindDriverActivist

IMO: 1. I don’t think thats going to happen any time soon, and if it does I will be ready to rotate again at the first sign of bitcoin dominance crashing and positive market sentiment. 2. Good chance of this happening. Its a risk, but if I stayed in alts I’d get rekt way more.

Jazzlike_Monk1487

IMO, it basically is false advertising.

Aazimoxx

Consolidate CC debt into a low rate personal loan so you're not paying silly rates of interest, is a pretty standard move IMO... And once you have that interest rate (including fees) well below the % that BTC is likely to go up over the next couple years, you don't bother paying it off (hodling is the smarter financial decision at that point). But having CC or payday-loan or buy-now-pay-later debt is rarely a smart position to be in. 🤔

schizophrenicbugs

Not really. I subscribe to the theory of the 4-year cycle, and with only 2 months left, I don't see an alt-season in the cards. However, if Bitcoin goes to $140k, it will give alts a good push, perhaps enough for 60%-100% gains in a month's time, which - in the very short term - would outperform Bitcoin. My base case: Given the FED just announced QT ending on December 1st, I think we're likely going to top out in the first week of December. QT ending historically causes the markets to dump, and with less than a month left in the cycle, I don't expect a recovery from that dump. IMO, QE is required for alt-season, which is why we haven't gotten one this cycle. But when I look at the LINK/ETH valuation, I see that LINK has just hit a level it usually bounces off from. So I definitely think LINK will outperform ETH at the very least. I'll be selling everything (including most of my Bitcoin) at the end of November. I think this cycle was a bit cursed due to monetary policy, but alts aren't dead in the long-run. QE will return during the bear market, which, I'm guessing, will mean the 2026 bear market will be milder than the '22 one. I'll buy everything for cheap in '26, including alts, and I think the next bull run will be very generous to alts. If you're interested in reading why I still believe in the 4-year cycle, I can copy-paste a response I gave a couple of days ago to this thread :)

genius_retard

Fair enough and I'm certainly not advocating anyone sell their stack to buy back at $50k but if people are expecting "line only go up" they are in for a rude awakening IMO.

SaveFileCorrupt

Zoom out, and stop looking at daily interval charts. You're only seeing 24 hours worth of data at 5-mins per tick. Get a real charting app like Trading View, or something similarly customizable, and set it to 1D or 1W intervals. If you insist on using that Google view for convenience, stick to the 6M or YTD intervals for a more reasonable perspective. Better yet, click the drop down arrow to the right, and set it to 5Y or Max, and enjoy a nice, green line in a consistent uptrend. __Unless you're scalping or day trading, watching a sub 1-day time frame is not helpful technically or emotionally, and offers no big picture context for a long term HODLer.__ BTC is currently testing a key support and is, at present, technically a bit oversold. Meaning: there is a low __technical__ likelihood of a significant drop from here. Even if it did break this support, the 80k to 100k range is still a strong area of value that is sure to interest a massive swath of investors who have ample dry powder and are ready and dying to DCA at those levels, which would further support the price against slipping into more downside. IMO, to justify being even _mildly_ concerned, I'd need to see BTC breach the 60k-70k zone, as it's been solidified as a major level since Q1 2021. If we see that happen, I imagine there will be a major economic catalyst behind it; the severity of which will determine whether we're cooked and hitting the panic button, or happily buying at a discount.

Mattie_Kadlec

The best part is that merchants still get fiat. That’s the only way crypto payments can scale IMO.

Awkward_Potential_

We have no idea. This is why I usually say Bitcoin is the cleanest dirty shirt. We know physical gold won't scale as a currency from centuries of it failing to. I don't think any other crypto options are decentralized enough to be the currency of the world. I don't think any fiat currency will be trusted between enemies. Bitcoin is the most logical option, but you absolutely bring up valid points. IMO, if it's actually become the currency, there won't be a shortage of miners. Even just the transaction fees alone would be enough to justify mining, especially when you factor in that every nation state and institution would want to make sure the network is working, since it's now the financial system (in that scenario ). For this scenario to play out, Sats would need to grow in value substantially. But in that scenario they most definitely would.

Benzo_Head

Here we gooooooo. Sub 100k by tonight IMO

The_little_lady_YT

Crypto is over. I knew it. We peaked last December 2024. I cashed out then. All alt coins going to zero. Now is the time to sell….. IMO

VassilZaitsev

IMO pretty stupid take. Bitcoin is flat since Jan 20 2025 when Trump came into office. Tbh, its likely an amazing time to be buying. If anything, I wish it had tanked more.

whathiron

Kraken has the lowest fees in the world per trade if you are using Kraken Pro (just the advanced platform like Coinbase Advanced). The maximum fee per trade is a taker fee of 0.4% - and that is the highest period, it only goes lower from there. Obviously no spread on Kraken Pro either. Now it doesn’t IMO make a big difference for DCA if you’re not stacking mega bags every week, but if a couple dimes per dollar makes a difference for you then honestly you will not find lower than Kraken (legal, regulated CEX anyway, and certainly not a DEX). Cheers

Darryl_444

Lower, IMO. Far lower by end of 2026.

HesitantInvestor0

It motivates some people to invest, but is that ethical? Essentially you are forcing people to take risk with the time they've already spent. That decision could go either way. It also incentivizes bubbles. Think about it: what would asset classes look like if everyone were to pile in with all their spare cash rather than hold it? We already complain that assets are inflated. I know you're playing devil's advocate, you said as much. But it's flawed IMO.

Head-End-5909

There are alternative strategies and services for dealing with passing down crypto to heirs. I came up with my own, but it hinges on one of my heirs having knowledge of crypto and wallets. Don’t know what services you have in your country. IMO, converting to Bitcoins ETFs, like IBIT, with a regulated financial investment firm, where you can designate TOD beneficiaries, is the simplest. You get both the upside and downside of price movements and none of the self-custodial issues. I both DCA and self-custody, and hold IBIT in my Roth IRA where gains aren’t taxed when withdrawn. Happy with both. Since Bitcoin is currently being used as a SoV, rather than the intended ToV, there’s no difference where it’s stored if you don’t care about anonymity.

Head-End-5909

1% is really high, IMO

TT_________

IMO Crypto is ahead of it's time. We will first become cashless before we fully adopt to crypto. I can imagine those that want more control or to try remain anonymous will start shifting to crypto. People that want cash only will be inclined to accept crypto only in replacement of cash only.

Neat-Finger197

I get it. Again IMO once you truly “see it” Bitcoin is the only asset you’ll want to own. The “backup” is the strongest computer security in the world as measured by hash rate (proof of work). Programmatic money that is truly democratic (small d) since rules of Bitcoin apply to all whether you’re rich or poor

Neat-Finger197

IMO, our brains are programmed to think of money as dollars…new tech such as iPhones or the internet were truly new, humans had never had such experiences. So to go from using dollars to a form of money that is fully decentralized and controlled by rules not rulers, and cannot be debased is a truly revolutionary idea. This is why again IMO adoption has been “slow” relatively speaking.

Sandharbor

IMO he spit in crypto’s face when they launched Trump and Melania coins.  This is what you had in mind to cash in on the meme coin craze?  

50sat

There are many such systems, usually front-loaded configurations used to take fees from any launch hype and leave the buyers largely unsupported. What I'm getting at is this had gone a couple rounds of evolution but it's still IMO at the stage of 'launch pads' gouging you to guarantee the 'team' won't.

justcurious3287

IMO, they will all make new highs. Both BTC and the alts. In the next market explosion. But until then, people really need to just freaking chill. You must be confident in what you're investing in, and you need tons of patience, or you won't make it in crypto investing.

justcurious3287

IMO, you should NEVER sell your BTC, unless you desperately need the money. You should be pouring as much money as possible into BTC. It's the absolute best cryptocurrency there is, and you'd be foolish not to buy it. I know the market has been very difficult as of late, but you have to push through it. That's our job as investors. Don't give up!

Seattleman1955

Realistic posts are more interesting, IMO. You can always make a post like that about a volatile assets. More realistic is to just point out that it was about $60k around now in 2021 and now it's $111k or so. Not bad but very volatile to "just" be here.

Soranokuni

I believe Trump has somehow destroyed crypto reputation, most users can see manipulation, then they state they made billions with crypto. I can't really trust any investment when I see that regardless of crypto asset, news, or whatever, they can get 50% down in some minutes and no-one knows why. At least with shares we know the cause more often than not, in Crypto we just don't know what happens or happened. A lot of people are wary, the market is not in a good shape nor job security, we'll enter a big bear market IMO.

Fun_Win_818

The 911 would have been a better choice IMO and I think they hold their value better as well.

oak1337

Won't predict the ups or downs. The best way at this point is to go for the best tech and sleep well at night. Hedera is on its way to the top IMO. ABFT — mathematically the highest possible level of security for distributed systems. Cryptocurrency transactions throttled at 10,000 TPS and will increase in the future. Sharding to enable unlimited TPS. Entire source code donated to the Linux Foundation. Private HashSphere networks that can seamlessly connect into mainnet if wanted/needed. EVM Compatible. Fixed fees priced in USD, paid in HBAR. Trilemma defeated. All roads lead to Hedera.

this_is_not_real

I would argue that there is. Especially if you're buying cycle tops. We're used to substantial drops every 4 years, but what if we stop getting new ATHs. What if quantum computing breaks bitcoin before that can be solved for? IMO the greatest strategy is buying near cycle lows and selling at what you feel is an adequate level during bull runs. Rinse & repeat. This strategy will allow you to increase your stack considerably & at least reduce the risk of losing it all. I think many people would never agree to sell your bitcoins during bull runs, but I've found that those same people tend to round trip their losses and have to wait years to recover (or they accept a substantial loss) My interest is in having more bitcoin each cycle so the profits are better. This strategy has not failed me for the last 10+ years.

BainTrain55

He said “we all had different opinions on rate cuts in December, which means it’s not a foregone conclusion. Far from it actually” that’s a more certainty than a toss up it isn’t happen IMO.

Amazing-Repeat2852

IMO— Some of those “crypto bros” on Reddit were probably crypto bots IMO. That is why it’s generally less “noisy” between election cycles.

ThatChrisGuy7

IMO be ready for a random huge green candle

pwagle10

Reasonable conclusion but I mean with rate cuts equity’s generally do well and m2 supply, admins positive, more so then ever before why would you short now. IMO it’s a matter of time before crypto sky rockets. I do think buy low selling high is a reasonable approach

devCheckingIn

Whatever it is, it needs to be speculative for much higher prices to kick off price discovery. We had all that before the election with the theory that greater adoption and regulatory friendliness will drive demand. A trade deal doesn't really imply BTC price will rise much higher, IMO. Even things like the CLARITY Act passing aren't going to do much. So it's an unknown right now as far as I can see.

Codebender

Meh. You'll regret it when they're 0.1 BTC. Rent one until you get it out of your system. The number of supercars that sit idle most of the time is ridiculous. Also, track training on a superbike is more exhilarating, IMO, you're much closer to everything and feel the speed more.

adalido

Not saying you’re wrong, but if defunding SNAP tanks the crypto market, that’s probably a good thing for America. That would mean deadbeat parents were spending money on crypto instead of feeding their children? Also, trump destroyed the labor market? It had begun shrinking before he got in. There’s a lot of reasons IMO that the labor market is tanking. I agree about his shit coin though. I’m not a trump supporter or hater, but that shit was disgraceful.

paidzesthumor

Data scrape a sample of your winning trades, develop a trading model then test against the remainder of your wins to validate if it’s an exploitable pattern. Some prop shops might be willing to nibble on your strategy but just know you’re trying to sell to traders whose strategies are virtually certain to better than yours and at scale. IMO it’s more valuable to demonstrate a track record of self-learning, analyzing, refining and improving your strategy and articulating your conviction and rationale behind the changes you made rather than any raw genius or skill. As far as tools go, you can either monetize it or shop it as part of an interview process if you’re looking to get a 9-5 a trading software engineer. My own two cents, monetizing SaaS in the trading / MM space is a lot tougher now with AI. People can dunk on vibe coding all they want but the reality is that the bar to impress with an MVP is way higher now.

reliable35

TAO has been the 2nd best Alt coin after ZEC.. & within the AI niche & its first halving event in DEC..it’s the only Altcoin I’ve been accumulating… As more eyes fall on it.. IMO it’s the only Altcoin worth buying at the moment…

random5654

Long term. Crypto is an infant and IMO Charles is doing it the right way. It's not flashy, but it's legit and it's a matter of time before utilization increases.

Financial-Nature5745

haha yeah i get itt!! i’m not running equations here, i’m talking about **macro math**, not algebra look around every country’s printing supply like crazy… U.S. alone added what, $5–6 trillion in a few years Europe, Japan, China, all doing the same global money supply keeps expanding, population keeps rising, consumption keeps rising… but **Bitcoin’s supply stays fixed.** so when i say “a lot of people die x coins lost = $10M,” it’s just a way to simplify what’s actually a complex equation: **(rising money supply + constant or rising demand) ÷ (shrinking effective BTC supply) = higher value per coin** that’s the math that matters. so yeah, it’s not napkin arithmetix it’s the same logic that made gold valuable for thousands of years except bitcoin’s harder, scarcer, and programable. and if every country keeps inflating their currency while bitcoin's total supply literally drops over time 1 BTC = $10M isn’t crazy at all it’s **inevitable math** IMO

grey-doc

The volatility can be intense. When your paper net worth moves up or down more than your entire yearly salary it is surprisingly uncomfortable even with a long time horizon. I solved this by putting everything in institutional multisig and not looking at it. I won't use the coin so it doesn't matter what the value is. What matters is setting up the framework so my children can access it if they need. But more to your point, what exactly is the goal? I'm not super interested in raising lazy trust fund babies. My thought is to make it out more like a family bank. Bitcoin is pristine reserve capital. That means as the financial instruments develop we will be able to leverage it against housing, college education, things like that. Right now the options are limited (10% loans are practically criminal IMO, especially when you can move it into an ETF as an in-kind contribution and use margin loans at 6%). As we go on, the financial instrumentation will improve. If you've managed to secure even a single Bitcoin, I suspect as the price climbs another 10-100x over the next 1-2 decades, that access to this kind of capital will pave a very simple path through whatever financial maelstrom might greet us in fiat land. And a solid foundation for family and grandchildren. I'm learning how the insular Jewish community in Lakewood NJ uses interlocking trusts and political lockdown to secure vitality and support for their huge and growing family. Whether you agree with their socio religious model or not, the legal structures they have built are worth paying attention. Again, particularly if are backed with the cleanest capital on the planet. You aren't the only person working to secure a multigenerational future.

Head-End-5909

Having too many UTXO is not advantageous, IMO. Determine what amount is “useful” (0.025, 0.0035, 0.000054, etc) for you and store that in each UTXO. I currently have 7 with varying amounts. I had 3 others with small amounts and consolidated them. Transaction fees are fairly low now, but may be far higher in the future.

zombiecorp

IMO, $103k before $130k. Last wick before blastoff.

DRAGULA85

The majority retail layman is not gonna take it as far cold storage IMO. ETF’s are more beginner friendly

libretumente

Any "project" whose tokenomics can be manipulated as such should be stated far away from. Even coins with large premines and VC backing give me the ick. PoW or GTFO IMO.

bimbobandit2016

140k at best IMO. And for alts their best hope is to touch previous all time highs, but even that is pushing it

Amazing-Repeat2852

I agree that the administration/team matters a lot. IMO-more than the actual President generally. I also agree that this one area of the current administration is the most qualified in their domain. That plus many members of congress have ramped up their understanding of crypto and there is bio Those are much stronger signal and reasons than Trump being a big bag holder.

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Post is by: Hagya_ant and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1oj6uqf/been_using_my_xrp_as_collateral_instead_of_just/ been around crypto since like 2016. back then I was chasing every shiny coin that promised the moon. made money, lost more, learned a lot. now Im a bit more smart with it. XRP is one of the few things ive kept through all the madness. I used to just let it sit there doing nothing but lately I’ve been using it as collateral when I need some extra liquidity, just a bit here and there. it lets me stay keep my XRP without dumping bags every time I need cash. I use nехо cause it works for me but that’s not really the main point. I just feel like the next few months might get spicy again with rate cuts possibly coming, liquidity slowly creeping back in, and politics heating up everywhere. Its the kind of setup where having a good position matters more than trying to time the market. Will keep holding XRP as one of my few long term bags since (IMO) it has the best real-life use cases in crypto. It also survived just about anything so, I like having my money in something battle tested and moving in a good direction but I'm kinda curious how others are handling it? Are you just stacking and chilling or actually putting your xrp to work somehow? *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.*

Several_Degree8818

IMO the problem most doubters struggle with is the idea that currency in general is imperfect. Bartering makes the most sense in a perfect world but fails to scale in a reasonable way outside of a small area.

justletmesignupalre

People have used the tech to create so many senseless tokens that it has diluted its usefulness and value. The blockchain tech that is far more efficient than tradfi is great, the added EVM tech with the ability to put smart contracts is great and further improves its use cases against tradfi. Them being used for get rich quick schemes, cults, money laundering, scams and whatever else is running around, has ruined the perception of what could have been achieved with it, IMO.

GIGAbtcHodl

If retail investors will massively start to liquidate their stocks and they are clever enough to understand the monetary system and fiat debasement, they might not want to keep their cash in the bank. They might want to put it in something scarce like Bitcoin or Gold. Especially if the market crash happens due to war for example - wars boost money printing and so hyperinflation might occur. This is why clever people would leave a tiny portion of their money in the bank and will put the rest of it in something else to protect the money. Or will never sell the stocks... However, market is not controlled by rational investors so everything wouldn't look good in a scenario of any kind of crisis, yet IMO bitcoin would be fastest to recover.

GIGAbtcHodl

IMO DCA is more convenient and psychologically easier to handle. Meaning if you invest same amount for example every month, and the amount is something you can afford to lose, you won't be so much affected by volatility - at highest points you wouldn't be too greedy to sell , and at the lowest points you will handle it much better. This will help you prevent spontaneous sell outs which usually leads to a big loss of capital.

Sotyka94

Am I the only one who didn't have his world shattered by BTC? I mean yeah, cool tech. I believe in it. Most of my savings in it. And while the success is unique, the technology and most importantly, the thought process isn't that insane IMO. It's a well executed, good idea, that lucked out and got mass adoption. Or I'm just stupid and ignorant and don't know what everyone else knows.

TheBonkingFrog

IMO it’s whales, banks and hedgies dicking around to liquidate leveraged retail

33NoBody33

The next few hours are key. IMO if we drop… we drop drop. Let’s see how tonight goes

maria_la_guerta

Would you have held to 100k anyways? Anyone who did is foolish IMO. Extremely lucky, yes, but anyone who held BTC passed 1 or even 10k is crazy IMO.

Head-End-5909

I don’t think historical cycles and patterns apply anymore. There’s a more centralized market influence on price movements, IMO. But, I could well be wrong.

Neat-Finger197

Couldn’t agree more. Responses here throw cold water on the “everything divided by 21 million” crowd. Which, IMO would be ideal for humanity but my sense is the reality on the ground will look much different

pr0b0ner

It's nonsense. This is like saying the rate of people riding unicycles to work is increasing. Maybe that's true, but that doesn't mean unicycles are becoming the new hot method of commuting. IMO this just gives further credence to the idea that crypto use cases don't matter. Because there are thousands of coins that do this task infinitely better than Bitcoin.

Neat-Finger197

Couldn’t agree more! Bitcoin is the most democratic (small d) money ever created. IMO, the poorest in the world need it the most, especially those 2 billion living in authoritarian regimes. I’d love for the title of my post to be dead wrong, not just to pump my bag but to help the poorest

codemajdoor

IDK about 250k or next 6 months but IMO the corporate treasuries, nation states & bitcoin bond market (like STRF etc) has not yet caught on. once it gets going the STH supply is quite low to support it. sooner or later LTH will demand much more of a premium before selling out. that in itself is enough for explosive growth.

devCheckingIn

We're not heading towards hyperinflation. If that's your base case for backing crypto you're going to get burned. Recessions are always deflationary. Economic weakness is deflationary. China has been in a deflationary spiral for years now. Low birthrates are deflationary. The Fed isn't "printing money" right now, they're doing the exact opposite (burning money). Budget deficits aren't "inflated away"; in fact they are a major drag on the economy and suck up an enormous amount of investment money and liquidity. I do think the macro is turning more favorable for crypto; but long-term be careful about the narratives IMO.

justcurious3287

Ha! I don't consider BTC risky at all. It's certainly volatile, but it's an amazing investment. The best cryptocurrency you could buy. No risk at all, at least IMO. I am poor as dirt, but I managed to accumulate 0.06 BTC, and I'm slowly accumulating even more. :)

Busy-Award8798

IMO the next huge leg up won’t be until after the next halving within a 500 day period of that.

pokerbluffs

If we don’t see a bitcoin by April then IMO the cycles as we know them are over, or at the very least have changed. The market seems solid so I’m not sure what to expect. I just DCA and will buy larger chunks if we do hit 70k or 80k.

Kernel_Custard_4213

We still have 3 months for a blow off top, IMO.

dsmudger

Not really IMO. More like just free money? Given that inflation is more than 2% in most if not all countries?

AdComfortable1024

I really like this. In a world where everyone is just trying to get you to “buy their token bro” this is just fun, and an excellent form of marketing IMO