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@ Trey
2025-05-20 14:45:12
🚨 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