🚨 You’re not as financially free as you think. 🚨

You cut expenses. Saved aggressively. Executed the FIRE plan.

But there’s a catch most people never talk about: Your freedom still depends on a system you don’t control.

Most FIRE portfolios are rooted in fiat. That means inflation risk, tax code changes, and permissioned access to your wealth. It's a fragile foundation.

You don’t own the system you’re relying on. 401(k)s, brokerages, IRAs, real estate — they all depend on rules, policies, and access controlled by someone else. And those rules can change.

In 2020, RMDs were paused. Since then, Congress has added withdrawal penalties, emergency access clauses, and shifting contribution limits. These aren’t theoretical risks — they’ve already happened.

It's a sober reminder: Your financial independence is only as strong as the system allows.

Bitcoin offers an alternative. It’s self-custodied, borderless, and supply-capped. Sovereign.

With bitcoin, you control the asset — not a brokerage, not a bank, not a government.

And beyond resilience, bitcoin adds asymmetric upside. While index funds return ~7% annually, bitcoin is still early in its adoption curve and globally misunderstood.

Even small allocations can meaningfully accelerate your path to FIRE.

This doesn’t mean abandoning what works. But it does mean being honest about where your plan might break — and upgrading the foundation to something stronger.

The FIRE strategy is about freedom. But if you still need permission to access your wealth… Are you really free?

I unpack all of this in my latest issue of FIRE BTC:

📶 Financial Independence, Upgraded

— Why bitcoin belongs in your FIRE plan

— How it adds both resilience & acceleration

— What most FIRE portfolios are missing

🔗 Read and subscribe here: https://firebtc.substack.com/p/financial-independence-upgraded

So dumb ha

Imagine if he said, “That’s just my 2 bitcoins”? How stupid would that sound? Lol

Just got done listening to this OP_RETURN focused episode of nostr:nprofile1qqsth23xaejyzxzzq5p95nfn7sqduen9hx5c478pk66c9efvutquglqpr3mhxue69uhh2mnfwejhyum99ehx7um5wf5kx6pwd3skueqpzfmhxue69uhhqatjwpkx2urpvuhx2uczf67v8 with nostr:nprofile1qqstnem9g6aqv3tw6vqaneftcj06frns56lj9q470gdww228vysz8hqpramhxue69uhhyetvv9ujumn0v3jhyatwdejhyuewdejhgam0wf4szythwden5te0wdshgumpvajju7re0gnxn2dp and I LOL’d at the end when he signed off with “that’s just my 2 sats.” 😆🤣

BTW, I enjoyed this one Guy!

https://youtu.be/8N1vyWnoM0c?si=WyfqFQd7MOJeAb80

“Every bitcoin that you don’t buy is a $13 million cost.”

- Saylor on why you should have a mortgage

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💯

Here is Saylor talking about the power of a mortgage.

https://blossom.primal.net/ecdf95de0c7ce2e5ab410c85c238b21223d3bcfed675ae269838a3202766df91.mov

nevent1qqsrwcyv9ldjythrdks7uved2l2lzxxtu7zlx2kjtujc46ze35hdxrgpz3mhxue69uhkummnw3ezummcw3ezuer9wcv070ht

🏠 Paying off your mortgage is a huge mistake IMO 🏠

Saylor agrees 🧵👇

If you already own a home or plan to buy one, not having a mortgage is leaving massive money on the table.

A mortgage is the every-man’s way to perform a Pierre Rochard-style speculative attack on the fiat system.

You put downward pressure on the USD by shorting the dollar and upward pressure on bitcoin by buying it with the proceeds.

You are siphoning value out of the fiat world and into the bitcoin world.

You are hastening the dollar’s demise while pumping bitcoin’s rise.

You end up with two assets instead of one, funded by steadily debasing debt that you’ve sold to a fiat maxi who then sells it to the Fed.

You’ve now got two things working for you:

A house you get to live in

+

A stack of sovereign BTC funded by fiat debt that gets weaker every year

Paying off the mortgage kills that setup.

You’re left with one asset (the house) and less exposure to the asymmetric upside of bitcoin.

Of course, you need to be smart about using any kind of leverage.

But a mortgage is a tool that can help you get wealthier while sticking it to the fiat system.

“Give me a lever long enough and a place to stand, and I will move the world.” - Archimedes

A mortgage is your lever.

Bitcoin is your place to stand.

I write about bitcoin, financial independence, and using the system’s flaws against itself.

If that sounds like your kind of rebellion, subscribe for free: firebtc.substack.com

FIRE is powerful. But it still runs on fiat.

What happens when the system wobbles?

This week’s issue of FIRE BTC is about upgrading your path to financial freedom with bitcoin.

From permissioned to sovereign 👇

https://firebtc.substack.com/p/financial-independence-upgraded

Bitcoin can’t be downgraded by Moody’s.

It’s a bit sad

There is nothing wrong with sats, and changing to bitcoins is encouraging mediocrity and complacency.

We should challenge people to reach for greatness, not enable people to settle for less.

Let’s hope so! 🙏

Sounds like they’re working on it. They were good.

That’s kinda not the point my man

Yes, apparently

Very much so 🤤

Here it is… Steak n Shake accepts BTC.

Seamless experience and the burger and tallow fries were GREAT! 🍔

Paid with 100% sovereign sats from my lightning node at home (and immediately replaced them) using nostr:nprofile1qqsrf5h4ya83jk8u6t9jgc76h6kalz3plp9vusjpm2ygqgalqhxgp9gprpmhxue69uhkv6tpw34xze3wdehhxarjxyhxxmmdqywhwumn8ghj7mn0wd68yttsw43zuam9d3kx7unyv4ezumn9wshacwln

https://blossom.primal.net/e1f950d5a7698c9e932845845287c88fd0b85a87916625059ec2cb2f023fd4e2.mov

Here's the link to read the newsletter issue and subscribe: https://firebtc.substack.com/p/expected-value-thinking

🎲 EVERY DECISION IS A BET 🎲

Most people play not to lose.

I play for positive EV.

Here’s how it works, and why most people get it wrong 👇

https://blossom.primal.net/aca9da4a02f91d7c414b3df758c40e0ffeaab6b2f2eb0eef0598056543586d36.mov