Why I Hold 98% of My Net Worth in Crypto

Most people are told to do the “sensible” thing: pay into a pension, drip into an index fund, and wait a few decades. I tried on that logic and it didn’t fit. I’m 34, I don’t have a pension, and ~98% of my net worth sits in crypto — by choice. Here’s the plain-English version of why that’s a rational plan for me, not a reckless one.

Traditional pensions fail my A.I.M. test

I use a simple lens for where I park long-term money: Access, Independence, Mobility.

• Access: With a pension, you’re locked out until later life. With crypto, I can move funds when life or markets demand it.
• Independence: Pension menus are pre-built baskets. In crypto, I decide where capital goes, from broad exposure to specific theses.
• Mobility: Changing course inside a pension is slow and limited. In crypto, I can adapt quickly when conditions change.

Run pensions and crypto through A.I.M. and crypto wins for me because it gives me control without a decades-long lockup. This matches how I speak and write publicly: calm, rational, frameworks first, no hype.

Volatility is a feature, not a bug

Most people see volatility and run. I see asymmetric outcomes. If your time horizon spans multiple cycles and you behave like an adult (plan entries/exits, manage risk, don’t chase), swings create opportunity. My brand exists to make complex ideas simple and psychology-aware — not to promise results. That means explaining why volatility can be harnessed and how to do it with rules you’ll actually follow.

“Good money” and why Bitcoin gets close

Good money tends to be scarce, divisible, portable, durable, and acceptable. Fiat fails the scarcity test because it can be printed at will. Bitcoin, by contrast, has hard scarcity (21M cap), high divisibility (sats), extreme portability (self-custody), and durability (it’s code). The remaining gap is universal acceptance — and that gap is precisely where early adopters find upside. Again, this is education, not a prediction or promise.

The “Crypto Compound Effect” (illustrative)

People love compounding examples with 7–10% index returns. In crypto, a single cycle can produce multiples — if you cycle capital sensibly. A simplified illustration: deploy, harvest, reset; repeat over multiple cycles with a written exit plan. The math can get exciting, but the behavioral system is the real edge: plan in calm, execute in noise, and avoid emotional decisions. That system-over-hype posture is how I communicate across all channels.

Freedom to invest beats forced waiting

Contributing into a locked wrapper can starve you of optionality when high-quality opportunities appear — whether that’s accumulating during bear markets, starting a business, buying property, or investing in your own skills. I prefer structures that keep time and flexibility on my side. My readers and clients value that time-first lens: we optimize for life outcomes, not just portfolio screenshots.

A quick self-check you can use

When people ask, “How much should I allocate to crypto vs pensions?” I suggest a simple confidence rating exercise:

1. Give crypto a confidence score (0–100) for serving your long-term goals.
2. Give a traditional pension a score (0–100).
3. Average the two and weight your preferred vehicle by that average as a starting point.

It’s not advice. It’s a way to surface your beliefs so your allocation matches your actual conviction — then you can refine with a proper plan. My entire brand avoids guru-speak and keeps the language plain and human for a reason.

Bottom line

I hold ~98% in crypto because it passes my A.I.M. test, aligns with my time-first priorities, and gives me the mobility to act when opportunity appears. Volatility doesn’t scare me; unmanaged emotion does. With clear rules, a written exit strategy, and a calm mindset, crypto is (for me) the most rational path to long-term freedom.

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