Many young people today feel disheartened by the soaring cost of home ownership, a stark contrast to the more affordable markets of past decades.

With median home prices in many countries far outpacing wage growth, the dream of owning a home feels increasingly out of reach, leaving many trapped in a cycle of renting and financial strain. For example, in the U.S., the median home price in 1980 was about 2.5 times the median household income, while today it’s closer to 5 times, squeezing young buyers out.

To address this, my Bitcoin Savings Calculator (https://whybitcoinshow.com/bitcoinsavingscalculator/) offers a hopeful strategy. By allocating a portion of income to Bitcoin, which has historically appreciated significantly, young people can potentially grow their savings faster than traditional methods. The calculator projects how regular Bitcoin investments could compound over time, providing a larger down payment or even full home purchase funds, offering a practical path to overcome the affordability barrier and regain control of their financial future.

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In this episode, I explore how much Bitcoin you need to retire, using my new Bitcoin Retirement Calculator to break down conservative and realistic figures for your desired retirement lifestyle. I also address the claim from many influencers that 0.1 BTC is enough to retire—examining how true this is and the assumptions behind it.

Work out what you need to retire - Bitcoin Retirement Calculator

If you find this tool valuable, I'd be grateful if you sent me through some sats, ideally alongside an offensive comment or joke - [email protected]

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In this thought-provoking episode, I dive into the heart of Bitcoin’s ethos: freedom. Bitcoin’s decentralized, open protocol empowers individuals to take control of their financial destiny, free from centralized gatekeepers. But with great freedom comes a paradox—people will use this open system to create products and services we might not always like, from Bitcoin custodians to NFTs and the latest wave of Bitcoin Treasury Companies. How should we navigate this tension?

I explore the philosophical and practical implications of Bitcoin’s permissionless nature, asking: Is true freedom about embracing even the developments we disagree with? Join us as we unpack the trade-offs, examine the role of custodians, the frenzy around NFTs, and the rise of Bitcoin Treasury Companies, and discuss how to think critically about Bitcoin’s evolving ecosystem while staying true to its liberating core.

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In this episode, I explore the financial decision of buying a home versus renting and investing the equivalent home deposit in Bitcoin, based on Australian housing and rental data as of May 31, 2025.

The analysis assumes a 20% deposit for a median-priced home in Australia’s capital cities ($1,025,742), equating to $205,148.40, with the alternative being renting and investing that deposit in Bitcoin.

Core Assumptions:

• Housing Market: Median house price in capital cities is $1,025,742 (Cotality, May 2025), with a 5% annual home price growth rate and a 5.5% mortgage interest rate.
• Rental Market: Median weekly rents vary (e.g., Sydney: $775/house, Melbourne: $580/house, Brisbane: $625/house, based on 2024–2025 data). Rent is paid without dipping into savings.
• Bitcoin Investment: The $205,148.40 deposit is invested in Bitcoin with assumed compound annual growth rates (CAGR) of 30% (conservative) or 40% (optimistic).
• Time Horizons: 5 and 10 years.
• Costs: Homeownership includes purchase and maintenance costs, reducing net capital value.

Comparison:

• 5 Years:
• Buying: Net capital value $913,122.03 property equity after costs.
• Renting + Bitcoin: $934,246.74 gains minus rent.
• Difference: Renting + Bitcoin outperforms by ~$21,124.71 assuming Bitcoin achieves 40% CAGR.
• 10 Years:
• Buying: Net capital value $947,668.53
• Renting + Bitcoin: $5,596,364.28

• • Difference: Renting + Bitcoin outperforms by ~$4,648,695.75, driven by Bitcoin’s high CAGR.

Key Takeaways: Renting and investing in Bitcoin could yield higher returns than homeownership, especially over 10 years, if Bitcoin achieves a 30–40% CAGR. However, Bitcoin’s volatility contrasts with the stability of property, and the decision depends on risk tolerance, market conditions, and lifestyle preferences. The episode highlights the potential for significant wealth creation through Bitcoin but cautions against ignoring housing’s tangible benefits.

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This is a solo episode all about Division 296 of the Income Tax Act, 1997. Boring!

Not quite, it's an amendment impacting the treatment of superannuation balances over $3m. In an unprecedented move, the Australian Tax Office will be demanding 15% of the unrealised gains above $3m.

In this episode I outline what the law is all about, it's status, the purported reasons for it, some (many) criticisms and how to get around it...legally.

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

Dr. Emma Apatu, an Associate Professor at McMaster University, founded Dream Grad Academy in 2024 to provide Bitcoin education and coaching. With a background in public health, she explores Bitcoin’s potential to address socioeconomic issues, as outlined in her 2024 Bitcoin Magazine article on the debt-money crisis. Apatu advises Bitcoin is Better, contributes to the Bitcoin Coalition of Canada, and conducts research on Bitcoin’s use cases for investment, savings, and payments.more concise.

Here is where you can find Emma:

https://bitcoinmentor.io/mentor/emma-apatu/

https://bitcoinmagazine.com/authors/emma-apatu

https://dreamgradacademy.com/about/

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

This is a solo episode outlining some thoughts I have on the recent all time high and more importantly, some changes to the show.

A special thank you to everyone for coming on the journey so far, I couldn't have done it without you. But the time has come to pivot in a direction that I ultimately believe will bring more value to the community.

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

Ben Justman is an entrepreneur, winemaker, and passionate Bitcoiner, dedicated to crafting natural wines at Peony Lane Wines. Nestled in Colorado, Ben cultivates some of North America’s highest-elevation Pinot Noir, embracing minimal intervention to showcase the authentic expression of Colorado’s distinctive terroir. Through Peony Lane, he shares the beauty and purity of Colorado wine with the world, blending innovation, tradition, and a deep respect for the land.

Follow Ben on X at @BenJustman and me on⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠www.x.com/⁠Dale21M ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠or visit⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.whybitcoinshow.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for any feedback.

I'm on a mission to help people understand "why Bitcoin". If you could like, comment and share this episode with friends, it's the single most valuable thing you could do to help spread the message.

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

Nik Bhatia is a prominent financial researcher, CFA charterholder, and Adjunct Professor of Finance and Business Economics at USC Marshall School of Business, where he teaches Applied Finance in Fixed Income Securities. He is the author of the bestselling book Layered Money: From Gold and Dollars to Bitcoin and Central Bank Digital Currencies (2021) and his recent work, Bitcoin Age (2025).

Bhatia is also the founder of TheBitcoinLayer.com, a premium markets research platform focusing on Bitcoin through a global macroeconomic lens. With a background in trading U.S. Treasuries and interest rate futures, he bridges traditional finance and Bitcoin, exploring its role as a store of value, a check on fiat systems, and a pluralistic monetary technology.

You can follow me on⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠www.x.com/⁠Dale21M ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠or visit⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.whybitcoinshow.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for any feedback. I'm on a mission to help people understand "why Bitcoin". If you could like, comment and share this episode with friends, it's the single most valuable thing you could do to help spread the message.

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

Rob Hamilton is the Co-Founder and CEO of AnchorWatch, a company focused on providing secure Bitcoin storage and insurance solutions, leveraging native Bitcoin miniscript functionality. Based in Nashville, Hamilton has built a reputation as a leading expert in Bitcoin security and is a certified Cryptocurrency Security Standard Auditor (CCSSA).

In this episode we dived deep into Anchorwatch, the native Trident vault product and Rob's vision for the future. Whatever your views on bitcoin self-custody, most would agree that insurance represents growing evidence of maturation of the asset class and a necessary ingredient to institutional adoption.

You can follow me on⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠www.x.com/⁠Dale21M ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠or visit⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.whybitcoinshow.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for any feedback. I'm on a mission to help people understand "why Bitcoin". If you could like, comment and share this episode with friends, it's the single most valuable thing you could do to help spread the message.

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.