Fin Creighton, founder of Bitcoin Success School and one

of the most trusted voices in Bitcoin self-custody education. Fin's

on a mission to help serious Bitcoin holders, especially Gen

Z, set up secure self-custody without risking

their seven-figure future on easy-to-make mistakes. He's

spoken at Bitcoin MENA 2025 in Abu Dhabi, runs

private coaching programs, and his work blends Bitcoin education with

sovereignty and long-term wealth protection. But here's what makes

Fin different. He's not just teaching people to invest in

Bitcoin, he's teaching them to opt out. take

responsibility to become self-sovereign. His message

to Gen Z is simple. You don't need permission from banks. You don't

need to trust institutions that taught you about money. You

need to understand that Bitcoin isn't just an asset. It's

a way off the treadmill. And today, we're diving into why

Gen Z is choosing Bitcoin over property and how they

balance stacking sets with peer pressure. And what happens

when you choose a different path than everyone around you. Fin Creighton,

Mate, I want to start off with obviously a bit about who you are, your journey

to get to this point. But I can tell from the outset, you've got

a British accent, yeah? So how did you end up in Australia?

My partner's Australian. So I

met her four years ago. She

moved to the UK when she was 15 and always wanted to experience

adulthood in Australia. Okay. That's what they call it, is it? Yeah. So

two years ago, we did three months in New Zealand and then a month here.

And we're like, we need to come back to Australia. It's awesome. We've come

back. She's funnily enough, struggling with the heat more than I am. So

Because as we record this, we're basically on the Gold Coast. So just so people

that know where we are. Yeah. Yeah. So it is hot, but

it's awesome. Like it's a beautiful country. Yeah. And so when you think about

moving countries, because of course I talk a lot about now potentially moving

countries out of Australia, but you've now chosen Australia.

I knew that Australia and the UK were

very similar in terms of everything that's going on in the world, so I wasn't

too surprised. I think the thing that surprised me

is the amount of Bitcoiners and freedom fighters that there are here, that

are vocal and amazing people. The

big difference for me is just the landscape of Australia.

Like you come here, we're living by the beach, you get up, it's hot.

You can't be affected by the weather here compared to the UK in terms of

Yeah, I've got some friends in the UK, they're like, oh, it's nine degrees here

or it's negative one degrees, you know, and I'm thinking, oh, I'm

Yeah. Yeah. And it's the funny thing of like, the grass is always greener because,

uh, my partner's always like, Oh, it's too hot here. And

I was like, when we were in the UK, you were saying it's too cold. Um,

but just the other morning I walked out of our room and the air con was on

full blast at like five in the morning. And I was like, Oh my God, it's like

being in the UK. It just reminds you of why you want the

hot weather, which it does make a big impact on your energy and

your morale. I think being able to just get up, go outside and see the sun rather

Yeah. So when you decided to move here, was it actually an easy

move as far as the immigration process? Did they say, oh yeah, just come on in? Or was it

Yeah, it was a funny story, actually, because I knew a few people that struggled getting visas. Because

I'm under 30, you can get a three year working holiday visa. And

I basically entered all of this stuff that I needed to do to apply for

the visa. sent the payment off, I

can't remember what it was, it was like 600 pound, 1200 Aussie dollars or something

like that. And I got an email come through instantly and I thought it

was a confirmation of my application form and it was approval

of my visa like that. Really? So that was just it

Was it because, maybe, do you have to put down like how much you've got in the bank, what

your job you're doing or what you propose to do? Does that come into play? From

memory there wasn't heaps of that stuff. I

You must have ticked a box though, that said, you know, you're going to be like a Pilates

I think there was some element of, um, being tactical

with the answers because I can't quite remember, but it's

a working holiday visa, but I'm self-employed. So I was running through my own

business. So I'm not quite sure how. The answer's

filled out, but that probably is something to do with why others have struggled

with getting their stuff. But since we got here, because

my partner's Australian, if as long as we can prove that

we've been together and we're an actual relationship, then I can get

That's the connection because she's in Australia, right? That's how you're able to get easier

entry. Yeah. And so what do you actually do for a living there now? Are

No, so I work for myself. So my journey, I

spoke to Adam Hudson, who was speaking off camera, is I'm pretty

unemployable. So that's why his message resonated so much,

because I've never been able to work a job. I

always think it's an amazing idea. And then I start working the job. And after the first

week, I'm like, I can't do this. And probably because I just assume

a job I have to do for the rest of my life, which I now know isn't the case. I

wanted to play professional rugby. That was kind of the start of

everything and looking back now, I probably didn't work hard enough

to be a professional rugby player, definitely couldn't eat enough to get big enough.

I think it was just an excuse to not have to go all

in at school and have to climb the career ladder like the normal route.

So then I blew out my knee and that was like

rugby's finished. That was like my final wake up call. Had

a terrible first rehab, had to have a second operation, second time

around. Recovery was amazing and

it was because I changed the training that I was doing. So that was my first kind

of proper online business as such where I

was basically helping people go through the process of

what I've just recovered from. So I did that for

a year and a half, two years. Like a recovery expert? Yeah,

kind of like a knee rehab coach, effectively. Pretty

random, yeah. during

that process and during the mentor, the mentor that

I found that helped me start the online business, he introduced me to another mentor,

which is where I really started finding out about Bitcoin. So

during that time, I was living with my partner's parents because we just got

back from New Zealand. I was bedbound at the

start from the op and then building the business and just got

no expenses. So I'm just pumping all of the revenues just

into Bitcoin. And what year was this? 2020. Okay.

Yeah. So after the previous high. Yeah. I'd

heard about it before then. And my stepdad probably want

to cut this out. So I don't want to dox him. But he bought some Bitcoin

in like 2015 or something just as a punt. And

he still doesn't understand what it is. And he still holds it? Still holds it.

Oh, right. But doesn't understand. He's now living in Dubai? with

a Lambo or a Rolls Royce? He doesn't get it. So

he bought some and then just never did anything else. Right. But

I'd heard about it. I never had a reason. So I

wanted to play rugby and there was no reason

for me to look into it. But after I'd had the

kind of big wake up call that rugby was no longer a thing, I need to start thinking about

the future. First was online business and kind

of building those skills to generate income. And then I found Bitcoin perfect

timing where I was just pumping stuff in. And then I

was in a situation where it was fulfilling, helping

people rehab their knees. But the more I was learning

Did you find that when you obviously went down this Bitcoin rabbit hole, you

think, I need to tell more people about this, right? How

Bitcoin plus the online business heaps, because they all just thought I

was a weirdo. Thought I'd lost the plot. I've got

screenshots of like my best mates that I was living with, screenshots

saying you've lost the plot. So

that's challenging, but I think as you continue levelling

up almost. Other people feel challenged by that, even

though you want to help them. It makes them feel discomfort. So

that was a big challenge for me. I had to kind of let go of a lot of

stuff that I had believed and kind of had implanted, safely

engineered, whatever. Yes. Anyway, we

then came to Australia. I

can't even remember what I was doing, but I wanted to be in the Bitcoin space.

I wanted to work in the Bitcoin space before I value in the Bitcoin space. And

the one thing that was kind of stopping me is the

content side that I was like, to get this content going, I'm going to have

to put out brain rot attention, grabbing content. And

I just wanted to speak truth. I didn't want to go down all of those routes. And

then I was just taking in so much Bitcoin content that I felt

like I need to explode. So that's why I started the podcast. And then the

podcast led to people, friends, family

reaching out that I think maybe didn't know that I was in Bitcoin, but

then also people that just followed me from rugby and from elsewhere

asking me about Bitcoin. And then my journey into Bitcoin

was you do self-custody. So I just took that for granted

and thought everyone journeys in self-custody. So

then the more conversations that came from me posting content, the

more I was like, oh my God, like no one is doing,

or hardly anyone is doing the self-custody and they're just, close

But really Fink, let me just interrupt you there. You're only 26, so your friends

at this stage are basically, you know, early to mid-20s, right?

Weren't they thinking, though, like you said, this guy's nuts.

But how were you able to connect with these people, though,

Did they just attract to you then, once they sort of saw what was happening? I

mean, my proper core group of friends

growing up, playing rugby with them, I'll still speak to them.

They're amazing people, but they're not interested at all.

we don't speak that often anymore and they, yeah,

they've got no interest because they see me as the old Fin, the

rugby Fin that goes out and gets smashed every week. Right, and that's what they wanted to

keep you as that? Yeah, they wanted to keep me as that and then I

stopped drinking after my second Neop because first Neop I

had nothing to look forward to and I was just getting smashed like three times

a week with them and it was amazing fun, don't get me wrong, but I

started asking these questions of if I keep doing this, where is it

going to take me? So then when I stopped drinking, funnily

enough, we stopped meeting because the only place that we'd meet was to go

out drinking. Yes. And even like my good mates that I'd offered to

go out, let's go for a coffee in the morning instead of going out for a drink. And suddenly

I stopped seeing them all the time. So

that then makes you ask, like, are these really my best

I think you go through a phase, though, Fin, where you you have friends

at the time that associate with you for a particular reason.

And then you evolve, and so you move on to the next thing, like you've evolved into

now the Bitcoin space and obviously understanding the

monetary system, let's call it, right? And how broken it is. And

then you're thinking, hang on a second, and then you start thinking about that more. And then you have new

people that come along and you start gravitating towards. I want to come back to

though, now that you've actually moved to Australia, okay? Because

I'm always talking about now getting out of Australia

because the, the, the tax regime that here basically, uh, and

the control in Australia. And I think for most people in Australia, and probably

even in the UK was around COVID was a huge wake up call.

So now you're here. Are you thinking, okay, I'm going to

stay here because it's the green, the grass is green here, or

have I got it wrong? Should I be thinking about staying here because the grass isn't

I think it really depends on your values, your

lifestyle circumstances, in terms of business, income, these

kind of things, how you're set up. how

you want to spend your time. So Australia is amazing. I

love the country. The landscape is amazing. There

are the difficulties similar to the UK of all the tech stuff that's going

on. It's absolutely nuts and bonkers. It makes it really hard to

operate as a business just because you get taxed to oblivion. The

big thing Like, I'm a pretty fluid, easy

guy. Like, wherever everyone's happy, I'm happy. I don't

really care too much. The thing that's become

apparent since we've come here is that my partner's homesick as,

like, she's very, very family orientated. And despite

everything going on in the UK, that I try and give her a nudge to be like, are

you sure you want to maybe go back to the UK? So

she's actually originally from Australia? From Australia, but her parents live

Yeah, do you want to try and tell her that? Yeah,

that's, they're the conversations. Like I met Tony from the Bitcoin Way, we're talking

about Panama and stuff, and it's quite hard to entertain those

conversations with her because A, she's

not too interested in listening to what is going on and why perhaps

the UK or Australia aren't places to be long term. Yeah. But

also the family stuff. So, I

guess it comes down to your values of, do you want to be

with your family and see what the

hell goes on? Because who knows, it could get pretty weird pretty soon.

So let me get this, just to break this down then. For the time being, you're going

to stay in Australia, right? Until an opportunity to

move elsewhere presents itself, right? If it seems right for you

at the time to move to Panama, for example, you could possibly go there. I

think the thing to think about though, too, Fin, is that even if you moved there,

it's not like you're locked in there forever. You could move there, live there for two years and say, this

is not right for us, let's move somewhere else. We still all live on the

Yeah, exactly. And also,

if you flip it, I've had

to try and teach myself this, but it's like, if we do end up going back

to the UK, we're not there forever as well. So

it's a balance for these conversations. But you

know how bad it was there, I guess, while you moved out. Yeah, and I'm

also like, who knows what's going to happen, but

it doesn't look like it's going down a very good path at the moment. But

if my partner wants to be happy and to

be with our family, we could go there. Sure. But we don't have to be there forever. It is

a balance, I understand. So we could then go somewhere else. And it might be that we go

back, and then she hates it, and then it's to find somewhere else. I'm fluid,

and we're lucky to be flexible. And I've set us up in a way that we can be.

And luckily with Bitcoin, it allows you to be much more flexible than

I think that's a key point, too, that Bitcoin's, because it is a

global system, let's call it, You

can be flexible, right? So you could just pack up and the way I sell it

to my wife of moving is, hey, we could base ourselves in Dubai and

that's our base. And then from there, we become a tax resident

there, which is basically no tax. And then we move

to other countries for periods of time. three months here, come

back to Australia, maybe go to New Zealand. I think that's a much easier

sell for most people than, oh, we're just going to pack up and move to Panama.

Forever. Right? It's like, oh my god, what if we don't like it? I think that's

really interesting. What do you think, then, as a, when you've moved here,

are you thinking about property and getting into the property market?

Because people your age, there'll be people listening to this who

are similar age to yourself, They're already built into

the indoctrination of we must have get into a property.

Property prices are absolutely astronomical. I just saw a report the

other day, Fin, five capital cities in Australia in

the top 20 most expensive real estate markets. Can you believe it?

No wonder people are like freaking out. So what do you think as a young person?

Are you thinking going into property? If let's say you don't move and you

It's not of interest to me now. It was four

or five years ago. But like you said, it was the indoctrination from

friends and from family mainly. And it comes from a place

of love. That's all that they know. And it works to an extent 20, 30, 40 years

ago. So, of course, they're going to want to try and encourage you to do what's worked

for them because you think it's going to keep working. So, the

big thing since moving to Australia is it's the

UK dream or what they're taught to

work towards is you save up, you get a deposit, you buy a house. This

is the same in the UK, right? Yeah, yeah. But in Australia, it's to

another level. Right. The Australian dream for property. Okay, interesting. Yeah. That's one

thing I have noticed. For me, man, like when

I was playing rugby, I wasn't earning like heaps. I

was trying to save a tiny bit, but we all know that saving doesn't

really get you very far. So I'm just seeing not much progress.

And then I'm asking the questions of how am I even going to save for a deposit for a house?

Just touch on that for a second. Explain to people why saving isn't

Well, we're seeing the house prices go up and up, which let's just

say is an easy math. You've got to put a 10% deposit down. So as

the house price is going up, that 10% is also going

up over time. Nominally in

a bank account, It looks like your savings are going

up and up each year, but the purchasing power of

that money is going down and down every year because they're creating the money

out of thin air, which increases the money supply, which

means that your savings are worth less. Yeah. So you're never

going to get ahead. It works. It's going both ways. So

not only is the house prices going up on your deposit, the amount you

need for a deposit going up, the value of your purchasing

power is also going down. So you're just screwed basically. Yeah.

So, I didn't understand all this at the time, but I felt like,

how am I going to afford even a deposit, let alone anything else? And

then this is around the time that I've started reading

books. You've got a great list there. Including

Jeff Booth's book on the top there, who I know you had on your show the other day. People should go

and check that out. Great book. But yeah, I think one of the

first books that I read that really flicked a switch was

Rich Dad Poor Dad from Robert Kiyosaki, when he said that

buying a house isn't an asset. Do people still even read that? I read that when I was young, so people

still read it. Yeah, it's amazing. Okay. Yeah, yeah. He's talking

about buying a house isn't an asset because it takes money out. Then

I was like, OK, so I need to try and find something else that's not a house, because all

I know up to date is that it's a house and that's what you need to be successful.

Then I found Bitcoin on that journey. And then I was like,

Bitcoin can help me save for this deposit faster because it's going to appreciate. But

then, as you know, once you get into Bitcoin, you start going down

all the rabbit holes, you're then like, well, why did I sell this Bitcoin to

put money towards a deposit for a house? And

then you ask all sorts of questions, and we could go a million directions from

Well, is there an argument then, Bin, as something to think about, though, is yes,

save up your deposit in Bitcoin, because it's growing at

a faster rate than even the house, and what

you would if you had it in a savings account, right, as

a deposit. Is there an argument then for, let's say,

over the next five to 10 years, people stack Bitcoin? they

build up enough value in fiat terms to

either sell that and go into the property market. Is that something

that people should consider if they absolutely want to get into property or

I mean, I was pretty tough on this a year or so ago where I

was like pretty brutal to being like, you

don't need a house, just rent. But the more I've thought about

it, I understand that people, even if it's not a good financial idea,

The thought of having a house gives people a sense of security, even

though actually isn't security at all. But

it does give people that security. So I do think, and

I say to people now, if you save in Bitcoin, you get to a

position where you can get a house, it makes sense. It's not going to put you

under financial pressure. If you're

going to feel this level of security that you can build a family in

It's your life. Well, let me just jump in there because someone who's now two

decades older than you, I've got a little

bit more life experience in the sense of I now have two

daughters, I have a wife, and we've got businesses. So

I do see the argument for buying a

particular property to live in, not necessarily investments.

I sold all my investment properties. Because things

like you don't want to be evicted anytime soon. Like, you know,

when you go and rent a property, for example, because you've got to live somewhere. So you go rent

a property, and the next thing, you don't want to get a phone call from the agent saying, oh, look, the

owner wants to move back in, or they're going to sell the property. You're like, oh, shit, I'm going to

have to pack up everything now. The other thing, too, is I've

suffered from collecting things. over my 46 years,

I have a BMX bike collection and 12-inch records

when I used to DJ in nightclubs and CDs and all sorts of shit, right?

And the cars I sold, I had a collection of cars, I sold all those. But

then I'm like, oh, I've got to pack all this up and move it.

So the security is in, I don't have to move it. I'm

close to where my children go to school because what

you find is that As parents, you kind of want your children

to be happy, and moving schools all the time is kind of uprooting them,

and they're no friends, and so on and so forth. So I see the

argument for that. But am I wrong? From

a young person's perspective, am I just got this wrong? I'm thinking, actually, you know

what? Moving to another house is not that big of a deal. Moving

I think it again depends on, on your values. And I've, again,

I've changed my perspective on it a lot. Probably two

years ago, if you'd asked me this, I'd give you a completely different answer. Now it's very

Yeah. Yeah, exactly. You're not stacking it like, this is the way. You ask, you

ask questions and you're always questioning yourself to see,

am I, where am I wrong? And what other options are there?

So it also depends on your circumstance. Like if you're,

you're a wealthy individual versus someone that's strapped for cash, Maybe

renting is a better idea and stacking Bitcoin so you can get ahead and

get your head above water, whereas you can buy a house.

You can have that security without it affecting your life in a different way.

So I think there's a lot of things to weigh up. But

fundamentally, it comes back to the people that do need to actually think more

so about it, whereas you could just buy a house and so be it. The

people that actually need to think about Is this a smart financial

idea, or where's the thought come from that I need to buy this house?

They don't have the time to actually do that research. Yeah.

Here's something to think about, because I know that you had Adam Hudson on

your podcast recently, and he's a friend of mine. We've actually

been on each other's podcast over the last year or so. And

there was one thing when he came onto my show that that stood out

to me, which was that he said, I'm going to live overseas. I'm

going to compound my wealth, basically tax free.

And then I'm actually then probably going to move back to Australia and

I'm just going to buy a property. Yeah. Where he wants to live. And he actually

said on the Harbour, Sydney Harbour, and then he's done. And

I, and I've sort of a penny dropped for me at that time. I was like, wow. Because

when we think about moving overseas, we think that's a forever thing. But he's actually

getting out of the system in Australia to get

into a different system to help compound his wealth and

then come back. Is that something do you think that other people should

be thinking about, particularly when you're 26 years old when you've really got no

Definitely, it's a cheat code, isn't it? You're instantly

making 40-50% more a year from being in a

better tax-advantaged location. Makes

loads of sense. It's much easier said than done, I think, as

you're probably experiencing right now, not only in terms of logistics, but

also the emotional side of attachment to wherever you've

grown up. Again, it comes back to, I

don't think most people are even thinking of the

possibilities of this stuff, that they could go and do it, but you

also don't need to have already made it to go and do these things and make a change

in your life. You could go, Adam, it was funny, he was saying he's

exploring Bali right now, obviously he's got huge amounts of wealth, so

he can explore it from a place of just enjoyment. But

he sees all the guys my age running around that are like trying to enjoy it,

but also trying to keep their head above water and make some money and

scramble. But you can go to a place like Bali or

Panama or somewhere that's more tax advantage. You can set yourself up

in a smart way, live for peanuts,

for hardly anything. And your

income goes further than you can invest. You can be smart with it and

really make a big impact. We know Bitcoin just

as one asset. It's much more than an asset. how

quickly that can change things. So, like

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to the episode. Interesting. Something that I'm now thinking about too is not

locking things in, go out, compound. And really,

you know, maybe once you're out, you may even never come back to Australia. And

it's really horses for courses. I want to dive in a bit into

what you're actually doing in the Bitcoin space, Fin. Tell

us about what you're doing as far as helping other people and your services

Yeah, sure. So I alluded to it earlier, but when I started the

podcast, people start reaching out and it becomes clear that people are

just one step away from something pretty bad going wrong.

So I naturally just started helping friends and family with their

Bitcoin, getting them set up with self-custody. Very

similar to what the Bitcoin Way do. Tony, amazing team there, love

what they're doing. And then more and more people just

kept coming without me doing much marketing or really saying too

much. So then I was like, well, there's a business here. Yes. And what

a rewarding, fulfilling business this is to help people with their

Bitcoin and self-custody. So it just

kind of naturally expanded from there. And that's

the business called Bitcoin Success School. So we

help people make sure that they set up their self-custody right

with live implementation. So it's not just a course of follow

these instructions. They come in, we tell them exactly what

they need. We then help them live do the implementation. But

then there's a portal where they can access all the resources of everything we've

gone through. Because for me, it's You want to

get it right and you want to get it set up as soon as possible, but just

doing it once doesn't mean you're going to actually understand it or know how

to use it. So that's where we come in, you get it done, you get

it right. And then you've got all the resources that you can go back through and

keep the skills top of mind. Cause like anything, it's just a

skill. So you just learn the skill and then you need the reps to. To

And some of these people that you've helped, I mean, how life changing

It's massive. And people, initially when

I first speak to them, I think don't realize how at risk they

are. We just saw an Australian exchange go

bust last week, didn't we? So everyone always thinks they're

safe until they're not. And at that point it's always too late. So

when people are on the journey, they feel that

level of sovereignty and empowerment that comes with it. But then once

they actually realize truly how sovereign and

powerful that situation then puts them in it, it really does change their life.

And it's such a fulfilling thing to do because it's

in Bitcoin. I can speak to other Bitcoiners which are

legends, but what self-custody

Bitcoin allows them to do, even if they don't fully appreciate

the full value of that yet, it's amazing. And then when you're putting,

I always say to people, if you put 100x on the value

of your Bitcoin, even if you don't think you have much now, would you be

Yeah, this is an interesting point you make for me because I find People

don't want to take the self-custody route properly because

they think, oh, it's too expensive to do. Because a couple of things

they've got to buy, you know, as far as a note, perhaps, and hardware wallets

and things like that. But if you say, yeah, but if

your value of your Bitcoin is going to be a million dollars, let's say, in

fiat terms, is it worth spending a couple of grand now to get it

set up? And they're like, oh, yeah, OK. I think there's a

Yeah and I think the way to look at it is like people

don't bat an eyelid at rental property taxes

and if you've got investment properties all the costs that come with

that taxes I don't even

know what the costs are associated, because I don't even look at it. Yeah, a lot.

There's heaps of... The tax is everywhere. Yeah, heaps of costs

that come with these other investments, whereas Bitcoin, once you've got it in

self custody, there's not an ongoing fee to secure your

Fin, let me ask you this. Are there people at your age who are actually thinking about

moving Super into an SMSF structure and allocating to

Yeah, I've got a few. Again, it's an education piece really, isn't

it? Like a lot of people don't know that they can even do it. So

I was speaking to a guy, I was helping him get his self-custody set up.

This was before I started it as a business. I was helping him and I was like, I

knew that he had an all right bit of savings that

he could buy Bitcoin with. I was like, you're Australian,

this is a cheat code that you can just buy Bitcoin with your super. And

he was like, what? And so then you put him

on to some of the guys to help him do that process.

That blew my mind when I got here. It was one of the first things, because Sean from Get

A Bitcoin talked about it quite a lot, as a way for Australians to

really get their hands on a good size of Bitcoin and

And the thing is then, it's actually the lowest hanging fruit for most people

to tap into, because it doesn't come out of their cash flow. You're not asking them

to put their after-tax dollars into Bitcoin,

because of course, everyone's struggling right now. cost of

living crisis, as we keep saying. So they don't have splish-blast, like,

oh, just put $10,000 into Bitcoin. Most people just can't do that. When

they've got $200,000 of just super sitting there,

it's probably averaging 8% or 9% a year. They can put

literally all that into Bitcoin and get it into, let's

And they can self-custody it. They don't have to, for now, they

can self-custody it. They don't have to leave it with the custodian, which, again,

Let me ask you this, though, because I've got a conspiracy theory on this one, which

is I think, because this is another cheat code, is that you

just touched on it. You can self-custody your own

superannuation Bitcoin, OK? I

do think there will come a day very soon where the government will step

in and be like, hang on a second. No more self custody

I agree. Which is why I'm encouraging as

many people to get it done right now. Because what

will probably happen is instead of them saying you need to give that Bitcoin back,

they'll probably just stop people self-custodying it from that point forwards.

Sean, I speak to him often from G'day Bitcoin. He thinks that it's

going to be similar for buying Bitcoin. If you buy Bitcoin in the next three

years, you can still buy it. but you can't self-custody

it and the on-ramps are going to stop you. So I think we probably are

in a time that's pretty serious to start

getting your self-custody right and just getting it done. Because as you said, once

I think the window is closing. I had a friend of mine

the other day with a major Australian exchange. He

went to transfer his Bitcoin to self-custody and they went nut. Can't

do it, right? And yeah, and he sent through all the photos of his device

and a selfie and all this rubbish Right to prove that he

was actually sending it to himself and they still red flagged it In fact,

they just said not no more transferring. So I think it's so

crucial. You're so right Fin I think there's there is an urgency right

now of people to move on to the Bitcoin and

I don't want to say Bitcoin standard, but certainly move into Bitcoin as an allocation. Let

me ask you about something else, because I know you had one

of the most incredible guys, Jeff Booth, a massive

Bitcoin advocate, come onto your show recently, and I encourage people to go and

watch it. Because every time I see Jeff Booth, it just makes me think

even more. He said something on a podcast, and

he said, in order to get

out of the system, you can't be thinking from the

system. Yeah. Does that make sense to you? What

He's a paradigm shifter for sure. Every time I've watched Jeff

talk, there's always something that blows your mind and you have

to go down a rabbit hole to try and understand what he means. And it

was the same when I was speaking to him. I think For

as long as you're measuring Bitcoin in dollars, you're,

and it's hard not to do that, by the way. Because we've spoken about it

all day. We've just spoken about it the last half an hour. What

I try and encourage people, and this is also why I think SMSFs

are amazing, is because they can't actually, they obviously can

sell it, but they can't withdraw it or do anything with it. So

it forces them to hold it for a long time, which is what you want for

Bitcoin anyway. You need a long time preference. What

I encourage people to do to start getting towards what

Jeff's talking about is, do you have more Bitcoin, more

Satoshis today than you did last month? Rather

than, is it worth more in dollars? Because at

the end of the day, that's what it's about. It's about, do you have more Bitcoin? I've

That means you can get more Bitcoin. It's perfect for those that understand

what Bitcoin is because they can get more of it. I understand that

a major marketing aspect for Bitcoin is number go up. And

people don't have as much interest unless they see the price

pumping. But actually, the people that want it to pump the most are the ones that don't have

enough Bitcoin. Yes. But to answer

your question about, um, Jeff Booth and what he talks about, it's,

it's extremely hard to do because we've spent so long in

this fiat world. Um, but. So when he says

get out of the system, this is what we're talking about. We're talking about the current fiat

system. Yep. Yep. So I

asked him a similar question. I said, how, how did

you go about the process of moving your time from the fiat system

to the Bitcoin system? And I actually asked it in a way of. how

does he live on the Bitcoin standard? He answered it more in a way of

entrepreneurship and how he lives his life as in he devotes and

spends his time and resources in the Bitcoin space

as opposed to working on fiat projects and normal projects. He

didn't answer too much about how he goes about living on

Because people are going to say, how do you live on Bitcoin, per

se? Like, you can't go and buy coffees or this, that, and the other. That's

coming from a lens, though, of looking through the Western world lens, I

think. Because there are countries who do trade in

Bitcoin for goods and services through the, just

I'll leave it at that, through Bitcoin, right? Particularly in countries where

their currency is completely screwed, like particularly some African

countries, they want to get their, Salary in Bitcoin.

I know you mentioned Panama before Apparently the the

Yeah, I think I'm pretty sure it's Panama and El Salvador is

obviously very big into the Bitcoin space the country even holds it

so it's becoming quite dominant there and But

there is this like, how do we use the Bitcoin? Now,

interestingly enough, I just saw a post today, Emirates Airlines,

as of I think January, now accepts Bitcoin as

payment for their airline tickets. You've got Ferrari

and Porsche and some of these other places in Europe, and I think even perhaps even

the US now accepting Bitcoin too. The shift

is moving, but it's certainly difficult in Australia. So

how should people, I guess, be looking at it now? Is it just, look, just stack

Tell you what, we were close in December, January, Aqua Wallet, which

is, you can download them as a self-custodial hot wallet on

your phone, but they were about to launch a contactless card. that

is connected to your wallet and you can just tap it as a Visa or

MasterCard. You could tap it on any place that accepts Visa

or MasterCard and it would just automatically sell your Bitcoin non-KYC

and it's converted. The

bank stepped in. Two weeks before it was about to launch, Visa

or Moscard, whoever it was, said no. So they're now looking for a

different card provider. But these things are coming. There's already

heaps of cards out there, especially for crypto, but Bitcoin as

well, that allow you to do it. But it's

all KYC stuff, which is up to the individual. But

things like the non-KYC card from Acquires is close. It's

hard to, it's easy to forget sometimes because we're in

the weeds and we're talking about Bitcoin all day every day, but we're so early

still. So the fact that these conversations are even happening

within a year, there's probably going to be some amazing options to

really live on a Bitcoin standard. For now, it's

a bit clunky for sure. I'm pretty close to living on it,

like I've got minus fiat, but There's

platforms like HODLHODL, peer-to-peer platforms

where you can buy and sell your Bitcoin, that you can, if

you're diligent, just about live on a

Bitcoin standard. But it is clunky. It's not as easy as just tap, tap, tap.

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recently obtained a a MasterCard because

I had an account with Bybit. So that was a card that

I could just go and use. Now, the thing is, I don't actually want to spend it on coffee, so I didn't ultimately

end up using it. So I guess people could actually use that system, but

it's not a complete peer-to-peer system. I think that's what Jeff's getting

at, right, is not using the Fiat rails at

all. What I mean by Fiat rails is the existing broken

system. Yeah, the traditional system, MasterCard visas, Swift

payment systems is getting away from that. So we kind of, they're kind of

combining right now. I think there's going to be a transition of, there's

the crossover between Bitcoin and

the traditional system. And then maybe at some point, the peer-to-peer

Bitcoin monetary system will grow over time and

people leave the trad fire. And that could take 20 years,

30 years until eventually everyone's like, why are we using this traditional system?

Yeah, I think I was speaking to someone about this yesterday.

I think where Bitcoin gets mass adopted, we're

probably in a position where people don't even know they're using Bitcoin. It

They're living in a matrix. Well, when I first heard it, it made so much

sense. And

people use fiat every day. You

don't know how the technology works that sends fiat.

Yeah, you don't know how the sausage is made, you just know it works. I mean, most

people don't even know that credit is, that money is debt. Right.

Or fiat is debt. So, let alone how the

technologies actually work. So, because we're early in the Bitcoin space, we

have a good understanding of how the technology works. But when it's mass

adopted, it's probably not going to be people that have Bitcoin in

self-custody. It's probably going to be as simple as you get

your phone up. And it's simple enough now for me to just send you

some Bitcoin on a phone, but when they don't even know it's Bitcoin. I

think that's probably where you see it, mass adoption. My

As you go down more holes, let me ask you this then, Fin, as

someone who's a Gen Zer, 26 years old, What

would you say to other people who are similar age to yourself about getting

into Bitcoin? They've got no Bitcoin. They've heard you talk today and

think, this guy's only 26. He's got Bitcoin. He's doing well. What's the

I think first step is just find out how you can buy some. That

starts you naturally on the journey. And you're not going to go and spend your life savings

on it straight away before you know about it. So go and find out how you

can buy some. And then you're in the game. You've got skin

in the game to start learning yourself. I

think that's step number one. And then step number two is you've got to learn. You

can't borrow conviction for a long period of time and borrowed conviction

isn't going to help if we see a 30% crash like we did in October. So

buy some so you've got skin in the game and then you're committed to finding

out more of what this thing is that you hold it. And then Jeff

said an amazing thing to me on the podcast, but find people

that are consistent with their message and are consistently right

for a long period of time as opposed to jumping from Solana to

Ethereum to this shit coin to Bitcoin. Find

someone that's Bitcoin only and consistently is talking about

the same message and just go down

What's one of the biggest mistakes you think people who are new are coming into this space that

I think underling

Yeah. I mean, that's the massive one. I think people don't understand what

Bitcoin truly is and why that differentiates them from crypto.

And funny enough, for my generation now, I think they

almost think They've got unit bias, so they think Bitcoin's

too expensive and they think if they catch another one of these shit

coins, it's going to pump and they'll be rich. Because

they don't understand the difference between what Bitcoin is and the difference between

And that's why education is so key. I wanted, and

we're sort of getting towards the end, Fin, but I want to find out from you, what

are some of the things that you actually do to get

more Bitcoin? DCA things, selling things around the

house, what are the sort of strategies that you do in your own life?

When I understood what Bitcoin was, In

the UK, there's something called a lifetime ISA,

which is basically a government backed savings thing

for a house. So each year you can put £4,000 into

it and they'll give you £1,000 or 25% of whatever you

saved on top for that year. And then you

can do that every year. So that's what I'd been doing to save for this

house that I thought I'd done. So first thing was, I

was like, how do I get access to this? looking

through all the stuff and it was like, you can't use that money unless it's to

buy a house, and if you want to pull that money out, it's

a 30% fee. It was more to withdraw it than they'd been giving me

every year, bonus. But I bit the bullet. I

took the fee. And then at the time, when

I got injured, I just got this car that I definitely should not be driving around

for the income that I had and everything that was going on. But I

had this car. That actually took me longer than it should have to

sell, but I sold that and just bought some shit

for two grand that I could just get from A to B with. Then

went through everything, golf clubs, everything that I just wasn't using anymore,

just like flogged everything. Um, and

then obviously this coincides with, I was living with my parents and

people, uh, not my parents, my partner's parents. People

are always like, oh yeah, but it's easy for you to save some more money because you're, you've

got no expenses. You're living at home, but go, go live at home and try

it. That's a sacrifice in itself. You're not in your own space. You're having to

always tread on eggshells a bit. Um, so, so this was one

of the sacrifices that you did. You went back home. Is that what you're saying? Yeah, we were

in New Zealand, came back, and that was around the time that I found

what Bitcoin was and understood it. So

before then, I was living in a house of rugby lads. It

was fairly cheap renting, but we were living up there, spending a

lot of money that we probably shouldn't be. And when it

all started making sense and I realized I had to look towards the future, I

was like, I'm just going to sacrifice two years of like

100, 200 quid a month rent all in. Amazing. I'm

super grateful for them, but it's a sacrifice because you don't have the freedom that

having your own place brings. So to

summarize, sold car, savings

took a hit, but I understood over a long time that would be

made up and more. uh, living expenses

down. And then obviously the online knee rehab business was

the first thing where I was just then funneling all of the profits into

that. Probably could have scaled it, but I was just putting all into Bitcoin rather than into

ads or anything like this. Um, and then now like

helping people with their self custody, but. I offer

payment in Bitcoin, and if they want to pay me in fiat, there's a

10% premium because I want the better money. Because why

would you want to receive payment in

fiat that you're going to pay tax on? Obviously, you're going

to have to pay your taxes on the Bitcoin, but you're paying taxes on fiat, and

then it's losing value every year. So let's say you get taxed 40% a

year, and it's losing 10% a year in value. Why

would you want to accept that when there's another money that you can accept? Yeah,

Wow. Well, you just touched on, I think it's a perfect segue to talk

about just how people can find you, Fin, if they want to connect with you

Yeah. So all socials is at Fin Creighton. So

I'm on X Twitter, on Instagram, YouTube. I've

got a podcast that's predominantly for a Gen Z audience, but it's

evolving more into just Bitcoin and entrepreneurship, really with people like

Adam and Jeff coming on. Yeah. And then BitcoinSuccessSchool.com

BitcoinSuccessSchool.com. BitcoinSuccessSchool.com. I

love it. I think on that note, Fin, thank you so much for coming into the Crypto

Collective today. It's been absolutely amazing talking to you, and I wish you all

Hey, thanks for tuning into Crypto Collective. If you enjoyed this video, the

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