Time is what matters

Why a 20 year old with 0.1 Bitcoin is richer than a 50 year old with 100.

You are NOT late!

One of the most common arguments you’ll hear from normies, precoiners, and shitcoiners is that “I’ve missed the boat”.

It’s easy to see why they think this way.

If an asset (any asset) goes from $1 to $100,000 – and you didn’t own any – it’s natural to think that you missed out. Someone else got “lucky” and you were just “unlucky”…again.

Cry harder

Let’s get one thing straight. No one got lucky.

Anyone, who takes their own money, without any inside information (hey Nancy) and made a gain, made their own luck. The same would have been true if it had gone to zero. When you take “risk”, you deserve any rewards.

Start taking control of your life and own the consequences of your decisions.

When is 0.1 > 100

To understand this you must consider the one thing more valuable than Bitcoin… Time.

At the time of writing (17th Feb 2025), 1 Bitcoin = $96,210

So how can…

0.1 BTC ($9,621) > 100 BTC ($9,621,000)

You have to look at your age and the Compound Annual Growth Rate (CAGR) of Bitcoin.

What is CAGR?

CAGR (Compound Annual Growth Rate) is the annual rate of return an investment offers, when any profits are reinvested every year.

Over a 5 year period Bitcoin CAGR is 58.3%, and over 10 years, it’s a massive 81.9%.

Better than your term deposit or pension fund, right?!

What happens if these CAGR figures continue?

Well, if you have 0.1BTC ($9,621) as a 20 year old today, by the time you reach 50:

  • 58.3% CAGR = $9,282,130,297.57
  • 81.9% CAGR = $600,068,993,333.39

Yep. You read that correctly. That would be the dollar value of your 0.1 Bitcoin as a 50 year old. Crazy, right!

How likely is that?

Not very! My opinion is that Bitcoin CAGR will continue to fall, and eventually will settle somewhere near global GDP growth, but we are a long way from that happening.

So, the better question to ask is, what CAGR do I (as a 20 year old with 0.1 Bitcoin) need, to have the same dollar value as a 50 year old that has 100 Bitcoin today, in 30 years time?

The answer is 25.9%.

Is that likely over a 30 year time frame?

In my opinion – No. But I’d bet my sats on 2 things:

  1. You’ll stack more sats between now and 30 years from now
  2. The dollar won’t exist long before we get there

Conclusion

There is a difference between late and later. Yes, it’s true that some people got here before you and they will do better than you. They deserve to, they took the risk first.

But, it’s also true that until Bitcoin becomes the global money, the upside potential is enormous.

So, forget about being late and focus on taking a position – and more importantly securing it – to ensure that the benefits of the risk you take today are protected for you and yours in the future.

How?

Schedule an appointment with me now to understand how to properly secure your Bitcoin with no single-point-of-failure.

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