I put my old 401k all in bitcoin. I take 100% of my pay in bitcoin, then sell a little as required to pay bills.

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Tempted to convert my Roth IRA to one of these bitcoin spot ETFs so that that way I can pull my money tax free

I can understand folks not wanting to pay the penalties but for me the self custody was more important. Five years later it was definitely the right decision for me. That said a bitcoin ETF in a Roth could be better for s lot of people.