has increased from 40% to 70%. Now,

the whole purpose of superannuation was so that people could live well

in their retirement. But how can you live well in your retirement

Superannuation is just not holding up as he just said there.

The industry super funds are delivering 6% to 8% average

per year. What is that going to give you? It's going to give you absolutely

You won't be retiring at 65. If you're 20 now, you won't be retiring until you're 80, maybe

You're going to have to be working until you're 80 or 90. But the way he frames

it, though, is that just enjoy it. He doesn't actually provide a solution of,

hey, maybe if you do want to retire at 65 or even earlier, What

should you do? I've got a solution. I'm Matthew Fraser, and this

is Crypto Collective. After making millions with Amazon and

e-commerce, I realized that if I was starting again today,

crypto would be my first choice. I'm here to help

you take your first steps and build real wealth. Ready

to set yourself up for life? Let's go. Hey guys, welcome

to Crypto Collective. My name is Matthew Fraser, and today is

the to

do a promo for his crypto project and he took the money and

then later found out it was going to be a rug or had feelings it was going to be a rug and

didn't post okay that's a good business move you're not posting rug pull

but he kept the money and he didn't want to give it back so now this

guy found him in the streets of Dubai there's literally a video

of him chasing him down saying where's my ten thousand dollars

i paid you and you didn't do the promo and he goes well of course i didn't it was

a rug pull and i get the money And now

everybody's kind of 50-50 because this guy, the rug puller,

is saying, hey, like, I gave you $10,000 and you didn't do anything. And

this guy, everybody's saying, well, he's a rug puller. So

now online meme boss literally is threatening him in this

Go back to jail if you don't give me my $10,000 back. This is

a guy who claims to be a multi-millionaire because he

traded meme coins. He made money rugging

Oh, that's brilliant. I love

the fact that he's kept the $10,000 from the guy who was

paying him to do the rug pull. And this is why you got to be so, so

careful when it comes to, I don't want to say just meme coins, but just crypto

projects in general. There was this one just recently, like

last week, it was called Mantra, and it went down 90%. People

lost something like six billion dollars. And

now the owner of that project is sort of walking around

trying to say that he didn't rug pull, but there were definitely some

things that you need to look out for. And this is a classic example right

now. You've seen it live on TikTok. There are people out there

who are paying other people to promote meme coins or

projects that eventually are going to get rug pulled and you are going

to lose your money. The Ripple CEO just told

all of us, XRP holders, what... Before I

even go into this one, it says XRP and my team

loves sending me the XRP ones because they know I'm going to have to talk about XRP and

then they know that I'm going to say something and then they know the XRP army

is going to come after me. They're going to say, Bitcoin's going

to zero. Come on XRP army, I

for the rest of 2025? And basically just

told us that no, the answer is no. Ripple

is not trying to go with an IPO here in

2025. He did say that this could change. But

he mentioned this weeks ago, he just reiterated it very recently here

at a forum that he was a part of. And he said, that's

Okay, great. It's not Ripple's focus. So therefore, what's

my advice? Buy Bitcoin. Oh, here we go. You heard it

here first. You

heard it here first folks, Bitcoin's going to zero. What's so

interesting now, as I've now blown up all over Facebook of all

places, everyone's coming after me, anything related to Bitcoin and

everyone's commenting, Bitcoin's going to zero, Bitcoin's a scam, Bitcoin's

a Ponzi scheme. And it's always from people who are

less successful than me, which is a strange thing. And the question should

be to them, wonder what Matt's doing. You know, he's, he's pretty successful guy

and he's investing a lot of his money into Bitcoin. Maybe he knows

Of that superannuation, $600 billion is actually

invested offshore. What's interesting about that is, in

1990, Bob Hawke came out and said that the money raised by superannuation would

be invested right here in Australia.

Well, according to the latest numbers—I should

qualify, that's pre-COVID—over 20 per cent of

the money invested in superannuation is actually invested offshore.

Imagine the number of jobs we could create here. Imagine the

number of dams, the amount of high-speed rail we could build. But

wait, that's not all. The number of people actually

retiring with a mortgage has increased from

40% to 70%. Whoa. Now the

whole purpose of superannuation was so that people could live well

in their retirement. But how can you live well in your retirement

if you've got a mortgage? It's

counterproductive. It's counterproductive. And

the other thing of course is, and we've seen this before in Greece, and we're seeing

this with the defined benefit schemes in the US now,

is that it's actually a Ponzi scheme. And I'll explain why.

Because for people like myself, my generation, we'll be the first generation

with 40 years of superannuation. When 2030, 2035 comes

around, we'll be able to pull out 40 years in

one hit. Do you know what that means? We're going to need another 40 people

coming behind my generation for every person that

takes out 40 years worth of super. You're going to need 40 people putting

in one year's worth of super, assuming that

the contributions withdrawals are the same per person, and I realise they're

not. Or otherwise, withdrawals are going to start exceeding contributions.

That was actually discussed in COVID. They were jumping up and down about how if

we allow young people to access super, it would actually cause stock

market prices to fall. Well, wait until you

get the people from 1970 onwards with a full 40 years

of superannuation savings, ripping out that lump sum.

in superannuation. There's so much I could

talk about with Senator Rennick's speech on

superannuation. The first thing though is that superannuation is just not

holding up as he just said there. 70% of people

that retire now have a mortgage. The industry super funds

are delivering six to eight percent average per year,

right? Now, that's not even keeping up with inflation. And

that's why it's destroying people. You're going to actually need at this point nearly $600,000 to

retire on as a single person and $700,000 as

a couple. What is that going to give you? It's going to give you absolutely

nothing. And the industry super funds consider that a comfortable

retirement with that sort of money. It's an absolute joke. And that's why

I'm so passionate about self-managed super and

you taking responsibility for your own actions to build wealth outside

of the industry super funds. Look, understand, it's not for everybody, but

for those people who want to build generational wealth

within their self-managed super for retirement, I'm

telling you, there is an answer for you and it's not in the industry super funds.

It's actually through Bitcoin. Hey guys, just quickly, if

you've been thinking about using your self-managed super fund to invest in

Bitcoin or cryptocurrencies but don't know where to start or

you don't want to deal with the complexity, you need to check out CoinStash,

today's sponsor. They make it easy to set up your SMSF account so

you can access digital assets like Bitcoin on a trusted Australian

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fully compliant with Australian regulations. Best of all, their team

walks you through the entire account opening process step-by-step

with their same day seamless and fast onboarding experience.

They even work with a bank so you can manage your SMSF transactions

all in one place. If you want to take control of your super and

start building your crypto portfolio properly, use the link in

the show notes to book a free call with their SMSF team. Now

Elon Musk is about to change crypto forever. This shit's crazy. I

told you guys about xMoney and how this is literally going to skyrocket crypto. They're

also dropping xShop in literally three days. If they're going to have

a shop through x on their own platform, they just have a regular way

to pay for it. Probably not. They're going to be using their own payment system, which

is xMoney. The kicker is this is going to be using a crypto for payment. Whenever it

does launch, you're going to see that crypto skyrocket. Look, my bets are Doge

Be on the IG with my man. Very interesting

because, let me just say this though, I've made a shit ton

of money using online shopping through Amazon and Shopify. Now

Elon's talking about bringing shopping and integrating it into X, which

could be an absolute game changer. So it's definitely something to look out

for. And I love the way he always sticks up for the XRP. Go

Do you wanna know why Bitcoin is banning China? It's

because it's a scam. It's like the biggest

scam there is. The idea is great, the tech is great, but

we just use it to scam each other. It's like

It's weird. We're all in it together. It's

the biggest pyramid scheme that's out there and we're all in it together. You

know what it sounds like? It sounds like fiat currency. We're all tied

into fiat currency. It's one big Ponzi scheme. It's one big scam

You won't be retiring at 65. If you're 20 now, you won't be retiring until you're 80, maybe

90. You won't have enough money to retire. That's

a wake-up call for everyone. The super you're putting

away today will never be enough by the time you're 65 years

of age. Thank you. In the current environment. Everything's

going to be so expensive. It's just going to keep going up and up and up. We've

seen house price, what they've done. If you think that you're going to retire at 65, or you're

going to have enough money to retire at 65, you've got nothing coming. And

the reason they always say you're going to retire at 65, because they make the assumption you're

going to die when you're 80. The government. But if you're going to die when you're 100, and you

retire at 65, but the assumption has been made that you're going to die at 80, you're going

to have 20 years where you've got no money. So I'm going to tell you

now, you will be working till you're 80. So

you might as well accept it now. I'm going to enjoy working. That's

what I'm going to be doing. That's what you're going to

do. You better enjoy it now. Don't be getting pushed

and pulled by different sort of points of view. And it's going to get harder

and harder and harder. And therefore you're going to make it more fun and more fun and more

fun and more competitive and enjoy the moment. Every single

moment of every day, enjoy it. Enjoy that competition. Otherwise

I love Mark Burrows, and he's made a very, very good point. You're going to

have to be working until you're 80 or 90, but the way he frames it,

though, is that just enjoy it. He doesn't actually provide a

solution of, hey, maybe if you do want to retire at 65 or

even earlier, what should you do? He doesn't provide any solution whatsoever,

except for just love the work that you do until you're

80 or 90. Can you imagine? It's already got so bad now that

people can't even retire at 65. You're going to

have to keep working. Now you're gonna say to me, what is the solution then? I've

got a solution. It's SMSF Bitcoin. And before you

start throwing shit at me, I can tell you, I've already seen

an increase in my own superannuation, which is all Bitcoin,

it's up 50% in one year. How's your super doing? All

right, guys, thanks for joining me on this episode of Crypto Collective, where I went deep into

those reactions. And I tell you what, you can see my passion is where?

It's with you retiring early with generational wealth.

And that's why I believe in Self-Managed Superfund Bitcoin. Thanks for

joining me. Take care. Thanks for tuning in to Crypto Collective. If

you've enjoyed this episode, the best way to show your support is to leave a

five-star review on Apple Podcast or Spotify and

make sure to subscribe to the YouTube channel so you don't miss an episode. You

can also find more of me at I'm Matthew