Have a question or comment for us? Email us at ⁠[email protected]⁠Ben rejoins David and Jared on the Bitcoin podcast as they share family updates, travel, and ministry work, then pivot to how the Federal Reserve’s rate decision creates a dilemma: hiking rates risks recession, higher mortgage costs, falling asset prices, and exploding government interest payments, while cutting rates risks reigniting inflation, weakening the dollar, and punishing savers. They argue the U.S. government faces a fiscal trilemma—cut spending, raise taxes, or print money—saying political incentives make printing the easiest path, with war discussed as another way governments try to defend monetary systems like the petrodollar. They contrast this with Bitcoin’s “boring” reliability, its design tradeoffs (decentralization, security, scalability), debate around BIP-110, and Satoshi’s fixed-supply approach, ending with reflections on freedom, power, and the gospel.09:42 Today’s Topic Dilemma Framework13:21 Fed Rate Hike Risks17:00 Rate Cuts and Inflation Tradeoffs18:41 Intervention Spiral and Bitcoin Contrast27:24 Hamilton vs Jefferson on Central Banking29:24 Bitcoin BIP Debates Begin31:55 BIP110 And Spam Debate34:34 Unintended Consequences Argument35:49 How Bitcoin Changes Happen37:17 Government Fiscal Trilemma38:18 Why Cutting Spending Fails45:38 Debt Acceleration And War Option48:19 Satoshis Crypto Trilemma51:41 Why Small Blocks Matter54:52 Fixed Supply No Levers01:02:48 Faith Alone ClosingThe Bitcoin Reformation Podcast and all related content, including but not limited to audio recordings, social media posts, show notes, and supplementary materials, are produced for general informational and educational purposes only. Neither Ben Haupt, David Rufner, Jared Townley nor any guests, employees, or affiliates of the Podcast are licensed financial advisors, registered investment advisors, brokers, or dealers.The views, information, and opinions expressed in this Podcast:1. Do not constitute financial, investment, legal, or tax advice2. Are not an offer to buy or sell any cryptocurrency, security, or financial instrument3. May not be suitable for your individual circumstances4. May be subject to change without noticePast performance of any asset, including but not limited to Bitcoin and other cryptocurrencies, is not indicative of future results. All investments carry risk, and you may lose all or part of your investment.While we approach discussions through the lens of Lutheran Church Missouri Synod teachings on stewardship, our content should not be your sole basis for making any financial or investment decisions. We strongly encourage all listeners to:- Conduct thorough independent research- Seek guidance from qualified financial, investment, tax, and legal professionals- Exercise due diligence before making any investment decisions- Consider their risk tolerance, financial circumstances, and investment objectivesBy accessing our content, you acknowledge that the Bitcoin Reformation Podcast and all associated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with:1. Your use of or reliance on information from the Podcast2. Any investment decisions you make based on Podcast content3. Any errors or omissions in the contentFor specific investment advice tailored to your situation, please consult with qualified professionals who can evaluate your individual circumstances.Keywords: #lutheran #bitcoin #pastor #finance #ChristianFinance #BitcoinReformation #Reformation #ThinkOfBitcoin #BetterMoneyBetterWorld #FixTheMoney #BTC

Find Jacob’s Substack here: https://substack.com/@btsee763613

Have a question or comment for us? Email us at ⁠[email protected]⁠

In this episode of the Bitcoin Reformation Podcast, we’re joined by Jacob Klug, a former parish administrator, to discuss how he found Bitcoin through concerns about church budgeting, inflation, and the downstream effects of fiat money. Jacob argues fiat strains relationships in the church by amplifying power imbalances, shaping decisions, and indirectly influencing people, even calling the church’s complicity in fiat a form of sin because money printing dilutes labor and “steals” time. We explore money as embodied ideas, unjust scales, and how fear of losing dollars can become an idol that harms stewardship. Jacob makes a case for Bitcoin’s hope for the church, especially through a “Bitcoin federation” (multisig/fedimint-style) model that could enable community-based circular economies, strengthen trust, and support church-to-church connections, including across borders.

01:02 Jacob Bitcoin Origin

05:14 Fiat Strains Church Life

11:01 Money as Ideas

12:49 Church Complicity and Sin

18:36 Church Idols and Hamster Wheel

23:00 Federations and Circular Economy

26:30 Layers and Sovereignty

32:53 Paradigm Shift Tesla Analogy

37:40 Churches And Bitcoin

39:26 Pensions And Fiat Anxiety

42:33 Trust Breakdown Online

44:41 Federations And Community

48:58 Deflation And Love Neighbor

52:19 Why Africa Leads

01:01:44 Trier And Church Adoption

The Bitcoin Reformation Podcast and all related content, including but not limited to audio recordings, social media posts, show notes, and supplementary materials, are produced for general informational and educational purposes only. Neither Ben Haupt, David Rufner, Jared Townley nor any guests, employees, or affiliates of the Podcast are licensed financial advisors, registered investment advisors, brokers, or dealers.

The views, information, and opinions expressed in this Podcast:

1. Do not constitute financial, investment, legal, or tax advice
2. Are not an offer to buy or sell any cryptocurrency, security, or financial instrument
3. May not be suitable for your individual circumstances
4. May be subject to change without notice

Past performance of any asset, including but not limited to Bitcoin and other cryptocurrencies, is not indicative of future results. All investments carry risk, and you may lose all or part of your investment.

While we approach discussions through the lens of Lutheran Church Missouri Synod teachings on stewardship, our content should not be your sole basis for making any financial or investment decisions. We strongly encourage all listeners to:

• Conduct thorough independent research
• Seek guidance from qualified financial, investment, tax, and legal professionals
• Exercise due diligence before making any investment decisions
• Consider their risk tolerance, financial circumstances, and investment objectives

By accessing our content, you acknowledge that the Bitcoin Reformation Podcast and all associated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with:

1. Your use of or reliance on information from the Podcast
2. Any investment decisions you make based on Podcast content
3. Any errors or omissions in the content

For specific investment advice tailored to your situation, please consult with qualified professionals who can evaluate your individual circumstances.

Keywords: #lutheran #bitcoin #pastor #finance #ChristianFinance #BitcoinReformation #Reformation #ThinkOfBitcoin #BetterMoneyBetterWorld #FixTheMoney #BTC

Have a question or comment for us? Email us at ⁠[email protected]⁠Welcome back to the Bitcoin Reformation Podcast. This week, we explore how the Stanford marshmallow experiment helps us think about saving and ultimately, Bitcoin. We talk about delayed gratification, saving, and how inflation can move financial “finish lines” (like housing and building costs), encouraging spending, gambling, or risk-taking. We contrast saving in dollars, stocks, and Bitcoin, emphasizing fixed supply, reduced trust in governments and institutions, and connect the discussion to Christian faith, assurance, and prayer for civil authorities. 11:46 World News Market Choppiness13:22 Bitcoin Sentiment Check14:17 Cash Flow And Fiat Anxiety20:52 Bored At 62k24:28 Marshmallow Experiment Setup27:59 Cutting Expenses First29:03 Savings Then vs Now30:07 Marshmallow Waiting Lesson32:41 Inflation Moves The Goalposts36:56 Fiat Fueled Nihilism42:01 Stocks And Valuation Hype45:19 Why Bitcoin As Savings51:07 Trust And Counterparty Risk57:11 Luther On Daily BreadThe Bitcoin Reformation Podcast and all related content, including but not limited to audio recordings, social media posts, show notes, and supplementary materials, are produced for general informational and educational purposes only. Neither Ben Haupt, David Rufner, Jared Townley nor any guests, employees, or affiliates of the Podcast are licensed financial advisors, registered investment advisors, brokers, or dealers.The views, information, and opinions expressed in this Podcast:1. Do not constitute financial, investment, legal, or tax advice2. Are not an offer to buy or sell any cryptocurrency, security, or financial instrument3. May not be suitable for your individual circumstances4. May be subject to change without noticePast performance of any asset, including but not limited to Bitcoin and other cryptocurrencies, is not indicative of future results. All investments carry risk, and you may lose all or part of your investment.While we approach discussions through the lens of Lutheran Church Missouri Synod teachings on stewardship, our content should not be your sole basis for making any financial or investment decisions. We strongly encourage all listeners to:- Conduct thorough independent research- Seek guidance from qualified financial, investment, tax, and legal professionals- Exercise due diligence before making any investment decisions- Consider their risk tolerance, financial circumstances, and investment objectivesBy accessing our content, you acknowledge that the Bitcoin Reformation Podcast and all associated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with:1. Your use of or reliance on information from the Podcast2. Any investment decisions you make based on Podcast content3. Any errors or omissions in the contentFor specific investment advice tailored to your situation, please consult with qualified professionals who can evaluate your individual circumstances.Keywords: #lutheran #bitcoin #pastor #finance #ChristianFinance #BitcoinReformation #Reformation #ThinkOfBitcoin #BetterMoneyBetterWorld #FixTheMoney #BTC

Have a question or comment for us? Email us at ⁠[email protected]⁠Virtue Politics, Soulcraft vs. Statecraft, and Why Bitcoin Persuades Without Coercion | Bitcoin Reformation PodcastWe welcome Ben Haupt back to the Bitcoin Reformation Podcast (with Jared absent) and catch up on family and ministry life before turning to church and cultural questions. Ben addresses recent accusations labeling him a Marxist, explaining his increasingly libertarian leanings and introducing James Hankins’ book Virtue Politics: Soulcraft and Statecraft in Renaissance Italy. We discuss Renaissance humanists like Petrarch, the contrast with Machiavelli’s power-centered politics, and the idea that societal renewal comes through education, virtue, and “soulcraft” rather than coercive centralization or constitutional maneuvering. We connect this framework to Lutheran ministry, vocation, and concerns about tyranny and legislation-driven reform. Finally, we relate Hankins’ themes to Bitcoin: Satoshi’s critique of fiat and bailouts, the cypherpunk approach of changing society through open-source code and a white paper, and Bitcoin’s voluntary, non-coercive case for honest money.07:08 Church Headlines10:10 Virtue Politics Intro10:59 Renaissance Virtue Model15:06 Machiavelli Versus Hope22:34 Melanchthon And Soulcraft27:50 Subsidiarity and Neighbors29:46 Parenting as Local Power31:35 Virtue Over Political Power33:53 Pope on AI Centralization37:32 Bitcoin as Principled Exit40:46 Satoshi and Open Hand44:56 Claude Summary Meets Bitcoin50:30 Hankins and Renaissance HumanismThe Bitcoin Reformation Podcast and all related content, including but not limited to audio recordings, social media posts, show notes, and supplementary materials, are produced for general informational and educational purposes only. Neither Ben Haupt, David Rufner, Jared Townley nor any guests, employees, or affiliates of the Podcast are licensed financial advisors, registered investment advisors, brokers, or dealers.The views, information, and opinions expressed in this Podcast:1. Do not constitute financial, investment, legal, or tax advice2. Are not an offer to buy or sell any cryptocurrency, security, or financial instrument3. May not be suitable for your individual circumstances4. May be subject to change without noticePast performance of any asset, including but not limited to Bitcoin and other cryptocurrencies, is not indicative of future results. All investments carry risk, and you may lose all or part of your investment.While we approach discussions through the lens of Lutheran Church Missouri Synod teachings on stewardship, our content should not be your sole basis for making any financial or investment decisions. We strongly encourage all listeners to:- Conduct thorough independent research- Seek guidance from qualified financial, investment, tax, and legal professionals- Exercise due diligence before making any investment decisions- Consider their risk tolerance, financial circumstances, and investment objectivesBy accessing our content, you acknowledge that the Bitcoin Reformation Podcast and all associated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with:1. Your use of or reliance on information from the Podcast2. Any investment decisions you make based on Podcast content3. Any errors or omissions in the contentFor specific investment advice tailored to your situation, please consult with qualified professionals who can evaluate your individual circumstances.Keywords: #lutheran #bitcoin #pastor #finance #ChristianFinance #BitcoinReformation #Reformation #ThinkOfBitcoin #BetterMoneyBetterWorld #FixTheMoney #BTC

Have a question or comment for us? Email us at ⁠[email protected]⁠

Visit sovana.io

On the Bitcoin Reformation podcast, two pastors interview Sanjay Mavin Kurve, co-founder and CEO of Sovana (sovana.io), about a new Bitcoin-related product that lets property owners tap home equity for Bitcoin exposure without monthly or upfront payments. Sanjay shares his background in computer science, nearly two decades at Google (including work on Google Maps), discovering Bitcoin in 2012, and how experiences with inflation in India shaped his interest in hard assets. He explains Sovana’s structure: Sovana buys Bitcoin in a segregated account for up to five years (customer can end anytime), profits are split 50/50, but the customer covers all downside, secured by a lien on the home. They discuss “don’t trust, verify,” Bitcoin evangelism, housing affordability, why the term shifted from 10 years to 5, and future plans like responsible borrowing and custody.

01:48 Sanjay’s Google Journey

03:12 Discovering Bitcoin in 2012

08:53 Bitcoin Evangelism and Faith

12:13 Why Smart People Dismiss Bitcoin

18:40 Housing Struggles and Mortgages

22:37 From Google to Sovana

25:15 Sovana Explained No Monthly Payments

28:05 Upside Split Downside Risk

30:52 Why Five Years Matters

34:57 Capital Partners Safety Net

38:52 How the Lien Works

47:42 Who Uses the Product

51:27 Future Products Roadmap

53:53 Team and Sovana Calculator

The Bitcoin Reformation Podcast and all related content, including but not limited to audio recordings, social media posts, show notes, and supplementary materials, are produced for general informational and educational purposes only. Neither Ben Haupt, David Rufner, Jared Townley nor any guests, employees, or affiliates of the Podcast are licensed financial advisors, registered investment advisors, brokers, or dealers.

The views, information, and opinions expressed in this Podcast:

1. Do not constitute financial, investment, legal, or tax advice
2. Are not an offer to buy or sell any cryptocurrency, security, or financial instrument
3. May not be suitable for your individual circumstances
4. May be subject to change without notice

Past performance of any asset, including but not limited to Bitcoin and other cryptocurrencies, is not indicative of future results. All investments carry risk, and you may lose all or part of your investment.

While we approach discussions through the lens of Lutheran Church Missouri Synod teachings on stewardship, our content should not be your sole basis for making any financial or investment decisions. We strongly encourage all listeners to:

• Conduct thorough independent research
• Seek guidance from qualified financial, investment, tax, and legal professionals
• Exercise due diligence before making any investment decisions
• Consider their risk tolerance, financial circumstances, and investment objectives

By accessing our content, you acknowledge that the Bitcoin Reformation Podcast and all associated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with:

1. Your use of or reliance on information from the Podcast
2. Any investment decisions you make based on Podcast content
3. Any errors or omissions in the content

For specific investment advice tailored to your situation, please consult with qualified professionals who can evaluate your individual circumstances.

Keywords: #lutheran #bitcoin #pastor #finance #ChristianFinance #Bitcoin

Have a question or comment for us? Email us at ⁠[email protected]⁠

Welcome back to the Bitcoin Reformation Podcast - where three LCMS pastors talk about their love for Jesus and Bitcoin. This week on the podcast, they introduce the “hurdle rate” as the rising bar households must clear as inflation and cost of living increase, criticizing CPI “basket” changes and noting gas and housing pressures. Using housing appreciation and money-supply expansion as examples, they argue fiat money printing raises prices and forces people further out on the risk curve (from gambling/prediction markets to stocks). They discuss saving options like bonds, the S&P 500, Bitcoin’s long-term performance despite volatility, and MicroStrategy’s STRC (“Stretch”) preferred stock paying about 11.5% as a way to clear inflation with less volatility.

09:46 Hurdle Rate Explained

25:14 Stimulus And Inflation

28:31 Why Saving Fails

30:04 Risk Curve And Gambling

33:43 Saving For A Home

35:37 Bonds Stocks Bitcoin

37:35 Bitcoin Volatility Window

45:02 Banks Adopting Stretch

47:54 Bitcoin As Education 52:58 Jesus The Hurdler

The Bitcoin Reformation Podcast and all related content, including but not limited to audio recordings, social media posts, show notes, and supplementary materials, are produced for general informational and educational purposes only. Neither Ben Haupt, David Rufner, Jared Townley nor any guests, employees, or affiliates of the Podcast are licensed financial advisors, registered investment advisors, brokers, or dealers.

The views, information, and opinions expressed in this Podcast:

1. Do not constitute financial, investment, legal, or tax advice
2. Are not an offer to buy or sell any cryptocurrency, security, or financial instrument
3. May not be suitable for your individual circumstances
4. May be subject to change without notice

Past performance of any asset, including but not limited to Bitcoin and other cryptocurrencies, is not indicative of future results. All investments carry risk, and you may lose all or part of your investment.

While we approach discussions through the lens of Lutheran Church Missouri Synod teachings on stewardship, our content should not be your sole basis for making any financial or investment decisions. We strongly encourage all listeners to:

• Conduct thorough independent research
• Seek guidance from qualified financial, investment, tax, and legal professionals
• Exercise due diligence before making any investment decisions
• Consider their risk tolerance, financial circumstances, and investment objectives

By accessing our content, you acknowledge that the Bitcoin Reformation Podcast and all associated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with:

1. Your use of or reliance on information from the Podcast
2. Any investment decisions you make based on Podcast content
3. Any errors or omissions in the content

For specific investment advice tailored to your situation, please consult with qualified professionals who can evaluate your individual circumstances.

Keywords: #lutheran #bitcoin #pastor #finance #ChristianFinance #BitcoinReformation #Reformation #ThinkOfBitcoin #BetterMoneyBetterWorld #FixTheMoney #BTC

Have a question or comment for us? Email us at ⁠[email protected]⁠

Two Christian pastors on the Bitcoin Reformation Podcast share life updates—post-Easter busyness, kids’ stories, family visits, a missed Mount Whitney permit, college graduation plans, a Europe trip funded partly by Bitcoin savings, and a son’s baseball home run—before shifting to a faith-focused discussion on stewardship. They frame the world as “received,” emphasizing that stewardship is about far more than money: time, talents, relationships, and even children as gifts from God. They challenge the idea that God wants people’s money, arguing God wants hearts and warning that mammon is a pervasive idol measured by fear, love, and trust. They connect this to Bitcoin through love of neighbor and Bitcoin’s fixed rules and limits, and they address the myth “I have nothing to give,” stressing that presence, prayer, and community are real gifts, encouraging regular giving without tying it to earning God’s favor.

11:07 Stewardship Topic Intro

15:13 Received World Framework

20:48 Stewardship Beyond Money

23:10 Disarming Money Guilt

30:27 God Wants Your Heart

36:06 Giving as Safety

42:34 Saving Versus Hoarding

46:12 You Have Something to Give

49:41 Stewardship Beyond Dollars

53:07 Regular Giving and Grace

The Bitcoin Reformation Podcast and all related content, including but not limited to audio recordings, social media posts, show notes, and supplementary materials, are produced for general informational and educational purposes only. Neither Ben Haupt, David Rufner, Jared Townley nor any guests, employees, or affiliates of the Podcast are licensed financial advisors, registered investment advisors, brokers, or dealers.

The views, information, and opinions expressed in this Podcast:

1. Do not constitute financial, investment, legal, or tax advice
2. Are not an offer to buy or sell any cryptocurrency, security, or financial instrument
3. May not be suitable for your individual circumstances
4. May be subject to change without notice

Past performance of any asset, including but not limited to Bitcoin and other cryptocurrencies, is not indicative of future results. All investments carry risk, and you may lose all or part of your investment.

While we approach discussions through the lens of Lutheran Church Missouri Synod teachings on stewardship, our content should not be your sole basis for making any financial or investment decisions. We strongly encourage all listeners to:

• Conduct thorough independent research
• Seek guidance from qualified financial, investment, tax, and legal professionals
• Exercise due diligence before making any investment decisions
• Consider their risk tolerance, financial circumstances, and investment objectives

By accessing our content, you acknowledge that the Bitcoin Reformation Podcast and all associated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with:

1. Your use of or reliance on information from the Podcast
2. Any investment decisions you make based on Podcast content
3. Any errors or omissions in the content

For specific investment advice tailored to your situation, please consult with qualified professionals who can evaluate your individual circumstances.

Keywords: #lutheran #bitcoin #pastor #finance #ChristianFinance #BitcoinReformation #Reformation #ThinkOfBitcoin #BetterMoneyBetterWorld #FixTheMoney #BTC

Have a question or comment for us? Email us at ⁠[email protected]⁠

With the 2026 Bitcoin Conference in Las Vegas just around the corner in the last week of April, Jared Townley and David Rufner explore what they are hoping to see and hear about at the 2026 Bitcoin Conference. From price, quantum computing, political movement, and much more, this episode is a catch-all for the latest narratives in Bitcoin.

10:25 Bitcoin Conference Preview

17:13 Building Cycles and Adoption Shifts

19:55 Energy, Mining, and Human Flourishing

23:22 AI Data Centers and Bitcoin Narrative

32:04 Politics And Bitcoin Laws

37:58 Bitcoin For College Savings

41:26 Bitcoin Meets Housing Finance

48:02 Quantum Computing Risk Debate

53:23 Paying With Bitcoin IRL

58:02 Conference Wrap And Easter Hope

The Bitcoin Reformation Podcast and all related content, including but not limited to audio recordings, social media posts, show notes, and supplementary materials, are produced for general informational and educational purposes only. Neither Ben Haupt, David Rufner, Jared Townley nor any guests, employees, or affiliates of the Podcast are licensed financial advisors, registered investment advisors, brokers, or dealers.

The views, information, and opinions expressed in this Podcast:

1. Do not constitute financial, investment, legal, or tax advice
2. Are not an offer to buy or sell any cryptocurrency, security, or financial instrument
3. May not be suitable for your individual circumstances
4. May be subject to change without notice

Past performance of any asset, including but not limited to Bitcoin and other cryptocurrencies, is not indicative of future results. All investments carry risk, and you may lose all or part of your investment.

While we approach discussions through the lens of Lutheran Church Missouri Synod teachings on stewardship, our content should not be your sole basis for making any financial or investment decisions. We strongly encourage all listeners to:

• Conduct thorough independent research
• Seek guidance from qualified financial, investment, tax, and legal professionals
• Exercise due diligence before making any investment decisions
• Consider their risk tolerance, financial circumstances, and investment objectives

By accessing our content, you acknowledge that the Bitcoin Reformation Podcast and all associated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with:

1. Your use of or reliance on information from the Podcast
2. Any investment decisions you make based on Podcast content
3. Any errors or omissions in the content

For specific investment advice tailored to your situation, please consult with qualified professionals who can evaluate your individual circumstances.

Keywords: #lutheran #bitcoin #pastor #finance #ChristianFinance #BitcoinReformation #Reformation #ThinkOfBitcoin #BetterMoneyBetterWorld #FixTheMoney #BTC

Have a question or comment for us? Email us at ⁠[email protected]⁠

Find the image here: https://www.reddit.com/r/Bitcoin/comments/shotki/fidelity_compares_gold_vs_btc_vs_fiat_based_on/

David Rufner and Jared Townley, two pastors on the Bitcoin Reformation Podcast connect Holy Week reflections and Christian apologetics with a “back to basics” question: what makes good money. Using a chart of seven monetary qualities (durable, divisible, fungible, portable, verifiable, scarce, track record), they compare cows, gold, fiat currency, and Bitcoin. While not comprehensive, they lead us to consider why we might desire a different money than the current currency we use on a daily basis.

12:43 What Makes Good Money

16:49 Seven Money Properties

27:41 Testing the Cow Standard

35:31 Gold as Store Value

41:49 Gold Scarcity and Track Record

46:29 Fiat Fails at Saving

58:30 Bitcoin as Better Tool

The Bitcoin Reformation Podcast and all related content, including but not limited to audio recordings, social media posts, show notes, and supplementary materials, are produced for general informational and educational purposes only. Neither Ben Haupt, David Rufner, Jared Townley nor any guests, employees, or affiliates of the Podcast are licensed financial advisors, registered investment advisors, brokers, or dealers.

The views, information, and opinions expressed in this Podcast:

1. Do not constitute financial, investment, legal, or tax advice
2. Are not an offer to buy or sell any cryptocurrency, security, or financial instrument
3. May not be suitable for your individual circumstances
4. May be subject to change without notice

Past performance of any asset, including but not limited to Bitcoin and other cryptocurrencies, is not indicative of future results. All investments carry risk, and you may lose all or part of your investment.

While we approach discussions through the lens of Lutheran Church Missouri Synod teachings on stewardship, our content should not be your sole basis for making any financial or investment decisions. We strongly encourage all listeners to:

• Conduct thorough independent research
• Seek guidance from qualified financial, investment, tax, and legal professionals
• Exercise due diligence before making any investment decisions
• Consider their risk tolerance, financial circumstances, and investment objectives

By accessing our content, you acknowledge that the Bitcoin Reformation Podcast and all associated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with:

1. Your use of or reliance on information from the Podcast
2. Any investment decisions you make based on Podcast content
3. Any errors or omissions in the content

For specific investment advice tailored to your situation, please consult with qualified professionals who can evaluate your individual circumstances.

Keywords: #lutheran #bitcoin #pastor #finance #ChristianFinance #BitcoinReformation #Reformation #ThinkOfBitcoin #BetterMoneyBetterWorld #FixTheMoney #BTC

Have a question or comment for us? Email us at ⁠[email protected]⁠

David Rufner and Jared Townley, two Lutheran Pastors on the Bitcoin Reformation Podcast discuss how Bitcoin is being used beyond simply buying and holding, offering a layman’s overview of emerging financial products while urging listeners to do their own research. After personal ministry and family updates during Lent, they frame Bitcoin as sovereign money—especially vital for people facing currency debasement, like citizens in Iran—then focus on Western use cases. They explore People’s Reserve ideas for Bitcoin mortgages and Bitcoin Mortgage Insurance (BMI) that converts PMI-like payments into Bitcoin with the goal of paying off a mortgage sooner, Strategy’s “Stretch” (STRC) perpetual preferred stock targeting ~11.5% return on capital for income-focused investors, Bitcoin high-income ETFs using covered-call strategies, and borrowing against Bitcoin to avoid selling and potential capital gains taxes, noting risks and past failures like BlockFi. They close by emphasizing Jesus, Lent, and Easter hope.

05:42 Why Bitcoin Use Cases Matter

06:32 Sovereign Money Worldwide

09:56 Bitcoin Meets Housing Costs

18:43 Pricing Homes in Bitcoin

24:15 Retirement Portfolios and Stretch

34:27 Housing vs Simple Yield

36:34 Other Bitcoin Income ETFs

45:11 Borrowing Against Bitcoin

The Bitcoin Reformation Podcast and all related content, including but not limited to audio recordings, social media posts, show notes, and supplementary materials, are produced for general informational and educational purposes only. Neither Ben Haupt, David Rufner, Jared Townley nor any guests, employees, or affiliates of the Podcast are licensed financial advisors, registered investment advisors, brokers, or dealers.

The views, information, and opinions expressed in this Podcast:

1. Do not constitute financial, investment, legal, or tax advice
2. Are not an offer to buy or sell any cryptocurrency, security, or financial instrument
3. May not be suitable for your individual circumstances
4. May be subject to change without notice

Past performance of any asset, including but not limited to Bitcoin and other cryptocurrencies, is not indicative of future results. All investments carry risk, and you may lose all or part of your investment.

While we approach discussions through the lens of Lutheran Church Missouri Synod teachings on stewardship, our content should not be your sole basis for making any financial or investment decisions. We strongly encourage all listeners to:

• Conduct thorough independent research
• Seek guidance from qualified financial, investment, tax, and legal professionals
• Exercise due diligence before making any investment decisions
• Consider their risk tolerance, financial circumstances, and investment objectives

By accessing our content, you acknowledge that the Bitcoin Reformation Podcast and all associated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with:

1. Your use of or reliance on information from the Podcast
2. Any investment decisions you make based on Podcast content
3. Any errors or omissions in the content

For specific investment advice tailored to your situation, please consult with qualified professionals who can evaluate your individual circumstances.

Keywords: #lutheran #bitcoin #pastor #finance #ChristianFinance #BitcoinReformation #Reformation #ThinkOfBitcoin #BetterMoneyBetterWorld #FixTheMoney #BTC