You don't have any exposure to Bitcoin, what the hell are you doing? The

fact that you're not actually says a lot about you rather than it does about Bitcoin. Don't

get locked in on the minute by minute candles or price

action of what is happening in the crypto space. It will drive you insane. Crypto

won't save you if you're financially reckless. That's

not how it works. 99% of cryptos are actually scams. Most

people come in at the highs. You're not late to

crypto, just early to the next cycle. The only reason

why you would now keep your money in industry superannuation fund

is because you're not educated. 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. In today's episode, I'm

going to be giving you brutal advice from myself, a

multi-millionaire in the crypto space. Let's jump into

it. All right, guys. Let's start by saying this.

Crypto won't save you if you're financially reckless.

Crypto is not one of those things where you can just blindly put

money into any type of crypto and it just instantly becomes

an overnight success like you just make millions of dollars that's

not how it works and i see a lot of people

particularly recently who have jumped on the meme bandwagon

right because you do Look, I understand why you would do it because

you see a lot of things on social media that shows guys who put 79 cents

into a meme and they sold it at like $800,000. Guys, I'm

telling you, it's bullshit. Okay, that does not happen.

And even if you find someone that it does happen to, it'd be one

in like a kabillion people that just somehow miraculously put

a little bit of money in it and end up selling at exactly the right moment. My

advice to you is do not get suckered in to these

types of crypto, I would call them scams to

be honest, because 99% of cryptos are actually scams. I

mean, I even had a friend of mine the other day ring me. And this is after I've

been telling him about getting his, a part of his superannuation

exposed to Bitcoin, right? Getting out of the industry super

fund, which let's be honest, is shit, okay? You're

only going to get probably, if history shows, between 6% to

8%, okay? He's going to take some of his money out of the industry super

fund, put it into Bitcoin. Now, he knows the returns. Last

year alone, we saw 120% returning in crypto in 2024, right?

On average, over the past sort of five plus years, it's been 50 to

60% compounding, right? It's been very good. But even despite all

those numbers and where it's likely to go over

the next 20 years, my friend still rang me and said, Matt,

I've just seen Mr. Peanut Coin. It could go

really, really high. Should I put some money into it?" And I just had

to slap him around the head and say, what are you thinking? I mean,

I've already told you the numbers. Look, let me put it this way to you, I said, if

you want to piss that money up the wall and you're prepared to

just let it go and basically flush it down the toilet, then

go ahead and do it. And maybe sometimes I should just

let my friends do that, so they get a taste of what it's like just

to lose their money, so they then come back and say, yep, you're right, all

these shitcoins, as they're called, or cryptos, are

just not worth it. I'm just going to stick to what's tried and

proven over 16 years now, which is Bitcoin. And so this

happens to the best of us. Yeah, I've got

other stories of guys who put money into

these cryptos and then lost $50,000 Can you imagine actually

just having $50,000 in your bank account and just thinking It's

gone. It's just like a meme out of South Park, right? You

put your money in and it's gone. And that's exactly what happens to people.

And it happens a lot. This is probably, if I

just digress a second, this is probably partly the reason

why it's so difficult to get your money out of a bank now

into crypto exchanges, because the banks know that

most people are fucking stupid. That's just the reality of

it. They know that you're going to piss it up the wall.

And here's the next problem, is that when you do piss it up the wall, you

don't take responsibility for your own actions, you then go back

to the bank. You call up the bank, oh, I was stupid,

I got scammed, I got rug pulled, I didn't know what I was doing. That's

not the bank's fucking problem. It's your problem. And you need to

take responsibility for your own actions. Because guess what? Because you're

actually doing that, you're fucking it all up for everybody else. Because

now people like myself, even though I don't have too many problems, but other

people who are actually not so reckless, who just want to move some money

into a crypto exchange, the bank's tightening down and all this stuff, and

it takes a long time to get through all the rubbish to get the

money in. So it's all the idiots out there who are actually causing

the problem. All I can say is, Don't be greedy. And

I know it's hard because you see these things on social media, like I

said, and you think you're going to get rich overnight too. But trust me,

you are not going to get rich overnight. If it

was possible, then everybody would be doing it. You'd see

Lamborghinis down the street and Ferraris down the street. The Lamborghini dealership would

have a sold out sticker on it because everyone would just be, had made

it. Please guys. I don't want you to lose money. That is

not my goal. My goal is to give you the brutal, honest truth

in this episode so that you don't lose all your money. Because I tell

you what, you lose all your money, next thing you know, you probably lose

your partner, your wife, your marriage break up, your kids are gone. I

mean, it could be absolute devastation. And I do not want

that to happen for you. So what you're going to say to me then is, OK, Matt,

if we can't get rich quick, then how do we get rich? Well, I'm

telling you, it's not easy. That's the

fact. If it was easy getting rich in crypto, just like

it was just easy getting rich full stop, then everyone

would just be rich, right? But you have to have the right mindset.

You can't be, like I said in the outset, financially reckless.

You got to take the right precautions. You got to do the right education

to understand what you're investing in. and that's just that's not

even crypto like you've got to understand what you're investing in

not just crypto but property into shares and

stocks and the whole gamut of assets that are out there you could

even stuff it up investing in gold gold which

is for the most part a pretty safe type of investment it's

not really going anywhere it's been around for thousands of years but people

still stuff it up because they buy at the wrong time the market did They sell,

they lose money, you know, people make mistakes. So regardless

of the asset, especially in crypto, you

must get educated. So even if that means you've

got to go and get educated by paying someone, this is not

a talking me up type of thing. I'm not I'm not asking you to pay me. I'm

just saying just find anyone who's financially more savvy than

you in whatever industry you're looking into, particularly in

the crypto space. And I can tell you from personal experience, when I got into crypto,

I put my hand up, I was crap, right? I didn't had no

idea what I was doing, right? I didn't understand market cycles. I

didn't even know what altcoins meant. I didn't even understand what altcoins meant.

which of course just rolls off the tongue now, but for a lot of new people, of course, you don't

know, right? And you've got to get in on the know before you can start

parting with your hard-earned cash. Getting the money into your

pocket is already difficult. So don't make

it even more difficult by pissing that money up the wall. Invest

in yourself. So this is what I'm saying, go and find some courses, even

if it's an online course, just get educated, start small, and

at least go a little bit away to understanding what

you're getting into so you don't fuck it up. Yeah. The next bit

of brutal advice is for people who are

in the market already, but they're constantly tracking the

market, like relentlessly, like every single, like by

the five minute, by the minute candles, right? It's just not the

right attitude to have when you're coming into this space, right? Because

it can start to mess with your psyche. What? It's up, it's down, it's up,

it's down, right? And the crypto market is so volatile anyway,

it's going to be up and down. What you need to do is zoom out

right and that there's a saying in this game which is, if in doubt, zoom

out right which means zoom out at the landscape of crypto

over a longer time frame, because although it might be

going up and down. you know, violently, let's say in a day, when

you zoom out to perhaps a year, two years, five

years, it's a blip, you don't even notice it. And so it

gives you a sense of calm, like, oh, hang on a second, it

might have dropped 5%, 10% today. But

overall, the market is actually trending in the upwards direction,

for example. Now, I can tell you that is the case for Bitcoin. Over

the course of 16 odd years, Bitcoin has had ups

and downs to do with the bear markets and also

the bull markets, or the bear cycles and the bull cycles. That's just a

normal course of what happens in the crypto game, right? So don't get locked in

on the minute-by-minute candles or price action of

what is happening in the crypto space because it will drive you

insane. Now, that leads me into crypto

is a long game. It's not a slot machine that

you just put money in and expect it to 10x. Actually,

wouldn't that be good? I put $10 into the slot machine and it spout out

$100. This is a great machine, right? Every time. That's how some people think

the crypto space is. I just put money in and I pull more money

out and I made a profit. It goes back to the beginning, right? This is not a get

rich quick scheme. Now, Can you make money in

a quicker time frame than, let's say, Bitcoin,

for example, which might be over a longer time frame? Yeah, you can. But

you've got to be so Johnny on the spot and know what you are

doing in order to buy at a particular low point to

sell at a future high point, right? And even if that's over three months.

The market seems to always move against wherever you

think it's going. And even just this year, right, in the

year 2025, but altcoins were

all at an all-time high, for the most part, were at all-time highs

at the beginning of this year. And then basically from the beginning of this year, they've

gone down a lot, like some 40, 50, 60 plus

percent. I personally hold altcoins, some

of them are down 80%. Now, Am I losing

sleep over it? No, because when I got into the market, I

positioned, I allocated my altcoin portfolio to

a point where it's only a small section of

my overall portfolio. And I remember getting in when

I was allocating, I remember thinking at the time, am I prepared for

this altcoin allocation, which is in the six, multiple six

figures, am I prepared for this to go to zero? And the answer

I had in my head was, yes, I am prepared for this to go

to zero. It's a gamble. I can't predict the future. I

can guesstimate the future based on history, but

things happen. Now, a lot of people at the moment have started selling out of their altcoins.

Even a lot of high profile people on social media who are running courses,

they've sold out their altcoins. I personally haven't sold out of most

of my altcoins. I did sell out of some altcoins actually towards

the beginning of this year, which probably in hindsight was actually quite good.

But I simply rotated those into other altcoins. You know,

I went out of smaller position altcoins, lower cap altcoins into

Solana. I just really wanted to put more money into Solana,

which has a higher market cap and I think has more fundamental tokenomics

behind it for the future. So without going into the

weeds, I think my Solana is actually my second largest holding

after Bitcoin, which you guys, if you've been following me for a while, you know that because I talk about

it all the time. This is the state of play right now as a lot of people have

actually lost a lot of money. That's what I'm getting to, is they've lost a lot of

money because most people come in at the highs, okay?

When the euphoria is there and it's all over the television and

everyone's high-fiving each other and, yes, look at it! It's

at an all-time high right now. And then that's when other people buy in because they're

feeling the same sense of euphoria of, wow, it's

going to keep going up. And the reality is that the market just doesn't

go up and up and up and up and up forever, right? There's corrections, down

periods, bear cycles. And look, there's some people saying that

it could even go lower today than what it is now. Now, by the time

you see this video, maybe it's come back up again. And right now, as of today, it's

sitting at about $82,000. So it could be, by

the time you see this video, $62,000. Or it

could be back up to $112,000. Yeah, it could

be an all-time high. So who really knows? And a lot of the macro

conditions are coming in. Macro conditions meaning the worldwide events that

are really outside of the micro conditions of what's happening in

your backyard. Tariffs. the world wars that are

happening at the moment, those largely are

playing, having an effect on the markets. So guys, it's a

long-term game is what I'm getting at. Long-term meaning for me,

it's years and years, not hours, days,

weeks, right? For me, it's not even months. It's

actually years and years and years. And I think if

you sit down and do the numbers just like I do within

inside my Crypto Collective community, and if you want to join the

Crypto Collective community to have access to me, answer all your questions,

find the link in the description somewhere, it's free to join. And I'd love to answer

your questions as I do for many others. But sometimes you just need things to

bounce ideas off and so I'm there to help. So what I talk

about though is the long-term game, right, of 10, 20 years.

I'm even thinking now in my children's future

years, which really comes down to 30, and

40 years. My children right now are 5 and 10. So they're going to be in

their 30s and 40s by the time I'm

sort of thinking, OK? Which, if that all plays out,

Bitcoin is likely to be somewhere between, if

we talk 20 years, somewhere between $13 million

a coin, possibly up to a bull case scenario, as

is according to Michael Saylor, upwards of $75 million a coin.

Absolutely ridiculous. And that's why it's so important to have

that long timeframe. And I always say, particularly to

people who are getting in now, get your foot in the game, have

some exposure, even don't forget about the research bit, right?

Just, I know I said before, do some research, but I'm talking about just put like a

hundred dollars in. $100 is actually forming part of

your research, okay? And the reason why is because once you put some

money in the system, you then start to take notice. As you could

read all the books, and I wanted to quickly plug this one, The

Big Print by Lawrence Lippard, absolutely amazing. That

one's only just come out. And this one here, The Bitcoin Standard. Now, The Bitcoin Standard

is the one that every Bitcoiner must read. Every

person who's new to the crypto space and Bitcoin must

read. So free plug for those books. Essential reading

will give you an excellent idea and insight into

Bitcoin and the ins and outs of it. Okay, I'll leave it at that, but

essential reading. Hey, just quickly, if you're ready to dive deeper into crypto

and Bitcoin and build real wealth, join my free

crypto collective community. It's where I share exclusive insights

and strategies and live discussions to help you succeed, whether

you're a beginner or scaling your portfolio. Click on the

link in the description and join us today. Now back to the episode. When

it comes down to long term investing, dollar cost averaging

into Bitcoin is the way to go. So guys, the other one I

hear a lot is you need to have a lot of diversification,

let's call it, within the altcoins, right? Rather than just having

one solid conviction on one or two or three or

four possibly altcoins and Bitcoin. And I understand there's some

differences because of different strategies. Some people might

be wanting to invest in altcoins because they believe they're going to have a

much higher return through, let's say, this next bull cycle.

Yeah, they may plan to sell out those altcoins and see

more of a return. But having said that, the

altcoins also come with much higher risk. You

have to think about your strategy. And I, at this point,

would consolidate more into, if you have to

buy altcoins, I would consolidate into maybe no more than, I'm going

to say, five altcoins. And you must have Bitcoin.

I don't really care what you say. In my opinion, you must have

exposure to Bitcoin. And I would even argue that the majority of

your exposure should be in Bitcoin. Because I can tell you, you

know, when friends come to see me and they talk about XYZ altcoins,

I say, listen, governments around the world are not buying

up Mr. Peanut coin, okay? You might argue

to me that it's going to have an amazing return over the next six months or 12 months.

Fundamentally, it's rubbish. Okay, there is no

actual use case for it. I understand there's a use case within

the meme coin space in crypto. However,

to the average punter, there really is no utility case for meme coins except

for it's just fun to you know, see it go up and down, right? And

get out before you get rug pulled. That's the fun bit. You must have the

Bitcoin exposure. And the reason why is you run the risk right now. And this

is to everybody. Actually, this is to everybody who has no

Bitcoin, right? So people who are brand new to the market. What

you will say to me is, Matthew, we must, we

can only buy Bitcoin with money we can afford to lose. And

I'm going to pose it to you this way, the risk that you run right now is

actually having no exposure to Bitcoin. And

I would say only put money in that you can't afford

to lose, okay? I'm going to say that again because your head right now

is spinning. Only put money into Bitcoin that

you cannot afford to lose. Because the only thing

that we can guarantee right now If we look at history, is that the

fiat currency is being debased. You've got inflation. What

that means is the purchasing power of your fiat

dollars, which is your money, your currency, your Australian dollars, the

purchasing power is going backwards and you don't have to... think

of that as a conspiracy or anything. You just have to look at

when you go to pick up the groceries and you go through the shops and you look at

the price of everything has increased. So the amount of money that you

had last year and the year before that is now buying less

this year. That is because of currency debasement. And

if you want to extrapolate that into to really hit home, you

only have to go back to, say, like the 80s or the 90s to

see how much was something worth back then compared to what

what is is being charged for today that is currency debasement

caused by money printing by central

banks that is the reason so on the flip

side the one thing that you could also pretty much guarantee right

now is that bitcoin is not going in

the downward trajectory now i can hear that

i can hear the people now commenting oh matt that's rubbish because we

just saw Bitcoin go from an all-time high earlier this year,

and now it's crashed all the way down to $80,000. Yeah, I

would argue that's a market correction. But if you look at the overall

long-term value of Bitcoin over the last

15-16 years, it's gone in the upwards direction. If you just do

the research, and I'm not even going to say myself, even someone

who I look up to, who I respect, Michael Saylor, as

I just mentioned before, he believes that the next 20 years are

going to be the gold rush for Bitcoin. This is when

Bitcoin is going to be explosive. So the risk

that you run is having no exposure to

the asset that is likely to be the best performing

asset over the next 20 years. It's already been the

best performing asset over the basically the past 10 to 15 years.

I know it's scary because you're trying to get your head around what

is Bitcoin? What does it even do? I think it's just air money and

it's just on the internet, right? I even just remember. I had a

guy just put up a comment the other day in one of my posts, and he said, if you turn

off the computer, then you could just lose your Bitcoin. I was like,

oh, okay. Okay, don't make such

ill-informed comments, if I can put it that way. That's okay. And

I don't want to, I'm not sort of being down on him, but it's

certainly a comment that it's really in this day and age that people even still

think that, but I guess they do. And that's because they're not getting educated.

I want to say this too. You've heard me say this many times before. I used to

think Bitcoin was a scam. And so when you start throwing the words at

me, Matt, Bitcoin's a scam and it's nothing. I get it, right? I

used to be there too. I used to think Bitcoin was a scam and

this was going back, you know, eight years ago. But what I did is I

woke up one day, I had my orange pill moment. I can't remember

the exact reason why. It was probably because I didn't want to lose

my wealth, the wealth that I've created through e-commerce. I

want to retain my wealth. and build

on my wealth into the future, right? And don't begrudge me for

that, because you would want to do the same thing. If you became a

multi-millionaire, you would also want to protect your wealth too,

right? And so I'm just sharing this to you so that you can learn

from what I've done. Okay, so you need to go

and get the Bitcoin Standard. I know I keep saying it, but honestly, it's the best book

to read to understand Bitcoin. And And

really, I think once you've read it, you'll then start thinking

completely differently about Bitcoin. But let

me also say this. It's not even you need to go read the

book. You just have to turn on the TV. Just turn on the TV and see

actually what's happening in the world of the Bitcoin crypto

space. In America right now, we have Donald

Trump, who's the crypto, or

I guess he was saying the Bitcoin president, right? So what he's doing is

he's, in case you're not up to speed with this, He's implementing a

strategic Bitcoin reserve, right? What does that mean? They're

going to be buying up, grabbing Bitcoin from

their existing stashes they've got around the country, but accumulating Bitcoin

for the future. And as Donald Trump says, they're never selling. And

so the more that they accumulate, the better it

is for everybody else. Now, why is it good, though, if Donald

Trump accumulates Bitcoin and just accumulates it in

the US? Well, the reason why is because Bitcoin has a finite

supply. There's a limited number of Bitcoin that

will be in the market. And I saw another post the other day who just, he

just didn't understand it. Yeah, but if it's 21 million is the market

cap of Bitcoin, that's all that will ever be produced. What happens if

they just go and make more? What happens? Good question. What

happens? They can't go and make more. You cannot make more

than 21 Bitcoin. Why? Because it's just the way Bitcoin

is designed. It's how the system works,

the code of Bitcoin, as you could say. That's just how

it works. There is only 21 million that will ever be produced. We're

actually right now coming up to 20 million Bitcoin that

have now been produced in the system. And what's interesting is

they even say that up to about 5 million Bitcoin, I think it may even

be more, but up to 5 million Bitcoin are lost. So there's actually

now only 15 million in circulation. Now, why is that important?

And how does that now relate to Donald Trump accumulating Bitcoin? It

means that because there's a finite supply, there's less

to go around for everybody, which means that as there's more demand for

Bitcoin, the price of the value of Bitcoin in

monetary terms increases. That's it's a simple supply and

demand, the pressures on Bitcoin, people want to buy it, they want

to store their wealth, it's considered a store of

value. So they retain all their wealth in Bitcoin because

it cannot be debased. You can't just go and print more of it.

Going back to, I guess, you know, what is the risk? I mentioned before,

the risk is that you hold on to cash. And what we know for certain

is that we'll be debased and you will have less of purchasing

power into the future. Because someone said to me the other day, Matt, $1 will

always be worth $1. So, you know, why would I go and buy Bitcoin?

I'm like, this $1? that you had back in 1980, yeah, essentially

it's still $1 today, but what can you buy with it today? What

you could buy for $1 back in 1980 was a lot more than

what you can buy for $1 today. So, I'm being brutal

about it because I just want to give you the facts. You're not late

to crypto, just early to the next cycle. This comes

up all the time. I don't want to buy any Bitcoin. It's

too late. It's already, it's just hit a hundred, you

know, $108,000 all-time high. It's just too

much. I've even got guys, you know, they bought it when it was like $20,000 and then it

got to $30,000 and they sold that thing. They're like, we're

taking our 10 grand we're out and now it's got up to a hundred plus thousand dollars

or even today at 80 odd thousand dollars and they just can't

get over the fact that they've got to pay more and i think that's why now

that i think about it i think that's why so many people who

don't hold bitcoin hate Bitcoin they just

they fucking it pisses them off the fact that you hold

Bitcoin and You probably got it at a price much

cheaper than what they're going to have to eventually pay because eventually

Everybody's gonna have to move on to the Bitcoin standard That's what's gonna happen

and they're gonna have to pay a lot more than what they're

gonna have to pay today now Of course people

are pissed off. I understand it. You know, I would have loved to have bought

Bitcoin when it was $0.30, $1, $100, $1,000. Hey, I would have loved

to have bought more at $10,000. It would have been a dream. But I didn't buy

it at $10,000, right? And

the old saying goes right now, one of Michael Saylor's 21 rules

of Bitcoin is that you get Bitcoin at the price you

deserve. So guys, what I want to say to you is you're not

too late to crypto. You're not as in, you're not too late to Bitcoin especially.

Now, what I would say is just start your dollar cost

averaging, right? Just start buying into the market at whatever you

can afford to do. All the money that you don't want to lose, you put

it into Bitcoin. But whatever you can spare out of your day-to-day cash flow,

whether that's $100 a day, $100 a week, $100 a

month, you must start allocating. It

is simple. All you have to do is get a little bit of education to understand

how to do it, and you'll find that it's really, really simple. Because I'm

telling you, you are going to be missing out if

you do not start buying today. Okay, what's

going to happen? I'm predicting the future right now because the signs are all

there. And if you want to go and research this on Google, you can. The

banks in America are already allowed to and will start

custodying Bitcoin. I just spoke to Ken who's already based out

of the US, right? He just told me that the banks now are going to start having

Bitcoin wallets in the bank. So when you log on to your net

banking, they'll have savings account, X amount of dollars,

Bitcoin account X amount of Bitcoin that is happening.

And once that does this is why it's so important once the banks

start the custody in Bitcoin Everyone will

start flooding in everyone will start flooding in and I understand

why because now it seems what's legit now I

can now go to the Commonwealth Bank and they're gonna hold my Bitcoin for

me in fact I can just go to the Commonwealth Bank and I can actually buy

Bitcoin through their exchange and How easy is that? And

once that happens, the floodgates will open, everyone will

start rushing in and buying up as much Bitcoin as they possibly can

afford because now it seems safe and secure in the bank. And

it's not to say that it's not safe and secure now, it's just that once the banks

start doing it, it becomes easy. And people don't want

to do things that's outside their comfort zone or

might be considered not easy to do, right? Now, once

they do that, guess what's going to happen to the Bitcoin price? It's going to go through

the roof. Yeah, because everyone's going to start rushing in. And remember, there's

only 21 million Bitcoin that will ever be produced.

And likely only about 16 million that will be in circulation at

any one time. And a lot of people right now are holding on

to their Bitcoin, right? You're going to have to wrestle

people, you know, put guns to people's head in order for them to release their

Bitcoin. Because I won't be releasing my Bitcoin, and neither will a

lot of other people. I don't want to scare you, but I just want to give you the facts so

that you know that time is running out and

just simply the sooner you get in, the better. Okay, guys, this

one is going to be super, excuse the pun, but super controversial,

which is about superannuation. And I can tell you, I've

moved all of my super out of the industry super

fund, my money out of the industry super fund, and moved it

all into Bitcoin. And you're going to have kittens right now thinking, oh my

god, Matt, now I said this before, only put money into Bitcoin that

you cannot afford to lose, right? Now,

I just want to give you some examples of the money.

If I'd left my money in the industry super fund last year in

2024, I would have got about 8 or 9% return. Instead,

though, my Bitcoin, right, so my value went up

120%. Right? It is a joke. And the only reason why you

would now keep your money in the industry superannuation fund

is because you're not educated. That's honestly what I believe is

the only reason. Now, you could argue, oh Matt, the

superannuation system in Australia has been fantastic and people put money into

it. I agree. The superannuation system in Australia for the

most part has been very good to put money aside

and stack cash for the future while it's of course

compounding. But the problem is that up until just recently, there

was no Bitcoin. So you could only compare it to whatever

was the old world, the triad, the traditional finance world,

which was returns of, let's say, 6% to 10%. And

even if you got upwards of 13%, that would have been incredible. That

would have been like a superstar year. I just had a really

good conversation with a guy yesterday on my social because this

guy's coming from the tradfire world he's in the

superannuation funds heavily he's got clients so i presume

he's probably some sort of financial advisor or something he said matt

all the people i talked to you know compounding within super has

been absolutely fantastic for them i'm like yeah i'm sure it has but

that it doesn't even meet the hurdle rate. Now, what is the hurdle rate right now? You

kind of have to be getting above 14% per annum in

order just to break even, considering currency debasement and inflation. That's

just the facts. I know people hate to hear that, because we like to think that

we've got money sitting in super, and it's just setting us up for

the future. And then when we get to retirement age, we're all just going to be able to go on overseas holidays.

It'll be fantastic. The reality is, guys, that is now a dream

for most. So you're going to have to start taking action and start

thinking about, how can I beat the hurdle rate right now? There's a

few different ways to do it, but one of the easiest ways, in my opinion,

is to simply allocate your superannuation fund into

Bitcoin. As I said before, over the last five plus years, you've seen

a 50 to 60% compounding rate on Bitcoin, right? What's

it likely to do into the future? It's probably going to do at least

30 to 50% compounding annually over the next 20 years.

You simply cannot beat it. And as everyone else around the world

starts to adopt it, you do not want to be left behind. So guys, I'm

gonna leave it at that. It was the brutal and honest, devastating

truth from me, who's a multimillionaire, and I hope you can

take all that to the bank, so to speak. Go get some Bitcoin. All

right, take care. 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