0:00: The next decade will reward those who own Bitcoin, not buildings.

0:04: The housing market's a rigged game.

0:06: Median prices at $848,000 nationwide, up 4.1% this year.

0:12: But affordability is in the toilet.

0:14: Property comes with a ton of barriers, stamp duties, government regulations, huge taxes and overreach, it all locks them out.

0:20: But if you believe the world is getting faster, more volatile, more digital, and mobile, And adversarial, then you already know the answer.

0:28: I'm Matthew Fraser and this is Crypto Collective.

0:31: After making millions with Amazon and e-commerce, I realized that if I was starting again today, crypto would be my first choice.

0:39: I'm here to help you take your first steps and build real wealth.

0:44: Ready to set yourself up for life?

0:46: Let's go.

0:47: I get asked all the time, should I sell my investment property to buy Bitcoin?

0:52: And in my opinion, the short answer is yes.

0:55: But it seems that other Australians are also thinking the same thing.

1:00: Now there's a bombshell report from Core Data showing crypto has overtaken property as Aussie's 3rd favorite investment.

1:08: Yeah, you heard that right, bricks are out and Bitcoin's in.

1:13: We'll unpack the stats.

1:15: 12% of Australians now hold crypto, up from 11%, while investment property ownership tanked, I was surprised, 13% to 6%.

1:26: Now yes, it seems that the Australian dream of building and storing wealth through property is fading.

1:33: But it's not just numbers.

1:35: Governments are eroding property rights left and right, pushing people towards digital assets.

1:41: Now I'll give you 3 concrete examples of how state and federal pollies are hiking taxes and stripping owner rights.

1:48: I'll slam the socialist creep in Australia because that's what's fueling this mess, and paint the nightmare, worst case scenario if property controls go full throttle.

1:59: Now, I want to add my own disclaimer here, I am also going down this same path.

2:04: I've started selling off my multi-million dollar investment property portfolio for Bitcoin, but it's not all about the numbers either, and I'll explain more later.

2:13: Then we'll compare returns.

2:15: Property versus Bitcoin, 5, 10, and 15 years.

2:21: But spoiler, Bitcoin crushes it.

2:23: I'll talk about how young Aussies are locked out of the housing market and turning to digital gold.

2:30: And I'll wrap up the uplifting truth.

2:33: Bitcoin's the solution for all Australians seeking financial freedom.

2:38: So this episode is packed with truth bombs.

2:41: So strap in, share with a mate, especially your property investor mate, and let's get controversial.

2:46: Straight from the core data's 2025 crypto Investors White Paper, surveying 740 Aussies earlier this year.

2:54: Crypto, and when I mean when I say crypto, I mean Bitcoin and Altcoins, the ownership hit 12%, edging out.

3:01: Investment property at just 6%.

3:03: Now that's a massive drop for property from 13% last year.

3:06: Crypto's now the third most popular investment behind shares and super, acting as a gateway for 22% of multi-asset investors.

3:16: But why is this the case?

3:18: Belief in future value is about 52%, believe that.

3:22: Tech interest is 40%.

3:24: And the philosophy of decentralization is at 22%.

3:28: And get this, 84% expect crypto to outperform traditional assets long-term.

3:34: It's no shock.

3:36: Crypto's democratizing wealth.

3:38: But property, it's becoming a nightmare thanks to government overreach.

3:44: Socialist leaning policies are taxing owners into oblivion and chipping away at rights, making bricks a bad bet.

3:52: We're seeing an exodus from property because pollies treat it like their personal ATM very much like superannuation right now.

3:59: But let's call it out.

4:01: Australian governments, both federal and state, are on a warpath against property owners, all in the name of, and you've heard this one plenty of times, fairness and equity.

4:11: That's code for socialist wealth redistribution, where hardworking Aussies foot the bill for big government spending sprees.

4:20: And since 2020, we've seen a barrage of new taxes and restrictions that erode your rights as an owner.

4:27: And here are the three prime examples.

4:29: First, Victoria's land tax hikes.

4:33: In 2023, 20204 budget, the Labor government slapped a temporary, yeah, temporary COVID debt repayment levy on land taxpayers.

4:43: For properties valued over 300,000, rates jumped with thresholds lowered and surcharges added for absentee owners up to 3% extra, and that's straight theft, punishing owners for a scamdemic the government mishandled.

4:59: It hits investors hard, reducing returns and deterring new buyers.

5:04: Second, The federal government pushes on capital gains tax and negative gearing reforms.

5:10: Now, while not fully enacted, the Albanese Labor government has floated tightening negative gearing, limiting tax deductions for property losses, and halving the capital gains tax discounts.

5:23: Now this would crush investors, making property less viable.

5:27: It's socialist.

5:29: Politics, tax the rich owners to fund welfare, ignoring that many are middle-class mums and dads saving for retirement.

5:36: Third, state-level rental reforms stripping owner control.

5:40: In Queensland, New South Wales and Victoria, they had new laws about limiting evictions for like reasonable grounds, and they had one about, you know, no pets, you couldn't even deny people pets into your own.

5:52: Property, which is crazy, and cap on rental increases.

5:56: Now Victoria's 2021 reforms made it harder to end tenancies, even for selling the property.

6:02: Now this reduces your rights over your own asset, turning landlords into glorified babysitters.

6:08: It's government micromanaging private contracts, pure socialism.

6:13: This is the creeping red tide.

6:16: Labor's agenda of high taxes, big spending and control.

6:20: We're already a homeowner's welfare state with massive tax breaks skewed, but they're pushing for more.

6:26: And I haven't even got started on the spare bedroom tax that was floated in Victoria.

6:33: So worst case, full-blown property nationalization.

6:38: Imagine rent caps everywhere, leading to housing shortages like in Sweden or Venezuela, where governments seized properties, markets collapsed, and black markets thrived.

6:49: Now Australia could see mass exodus, ghost towns for unmaintained rentals, and a total wealth wipeout for owners.

6:56: We don't want that commie dystopia here.

6:59: So, no wonder young people are bailing on property.

7:02: The housing market's a rigged game.

7:05: Median prices at $848,000 nationwide, up 4.1% this year, but affordability is in the toilet.

7:13: Gen Z and millennials need deposits of like $100,000 while wages stagnate and costs soar.

7:21: Now over 40% regret missing crypto as the big miss of this decade.

7:26: Core data nails it.

7:27: 71% of crypto holders under 40, mostly men, earning over $100,000.

7:33: Now, property's got a ton of barriers, stamp duties, government regulations, huge taxes.

7:39: And overreach, and that basically locks so many young people out.

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8:38: Now, back to the episode.

8:40: And of course, property comes with a ton of barriers, stamp duties, government regulations, huge taxes and overreach, it all locks them out.

8:48: So they're pivoting to digital assets, because why?

8:51: They've got low entry, you can buy Bitcoin for like $10 no middlemen.

8:55: And the global access, mobility, and the one that I love, of course, it's scarcity.

9:01: It's empowering young Aussies, building wealth without begging banks.

9:06: But governments hate it because you can self-custody your own Bitcoin or altcoins.

9:11: Now that's why crypto's booming while property completely flops.

9:16: I recently reflected on a book I'm currently reading called Bitcoin 1 Million by Fred Krueger and Ben Sigman.

9:22: Now it clearly outlines the case for Bitcoin over property, and the fact is, property was once the Australian wealth creator, but times have just changed.

9:33: When you peel back property, you find it's only increased based on money supply or money printing, which has been approximately 7% per year.

9:42: That means the central banks are printing an extra 7% of cash every year.

9:46: And guess what?

9:48: That just happens to be the exact, Reported average increase of property every single year, about 7%.

9:55: So even 25 years ago when I was a mortgage broker, it was widely known and understood that property increases on average at 7% per year.

10:04: Now you remove the tax breaks and incentives and property is a dead duck.

10:08: No one would buy it.

10:10: Our entire economy is built on a debt-based monetary system.

10:14: So property is structured to increase with certainty, it's just not a good vehicle to store your wealth anymore, for all the reasons I outlined before.

10:22: This is the reason why I've sold my entire property portfolio.

10:26: Not only do the numbers not add up, but property is just not profitable, not scarce.

10:31: And can be confiscated at any moment.

10:34: Bitcoin is a counter to these attributes.

10:37: Now if I wanna move to Dubai, I can't take my properties with me, but I can take my Bitcoin and no one can stop me from doing so.

10:44: So where does this leave us?

10:46: The focus should be on what makes sense going forward, not past decisions.

10:51: The real question, do you believe that the future will look more like the past or more like the present?

10:56: If you believe we're headed back to steady inflation, single family homes as safe bets, and local property as the core store of wealth, then maybe real estate is the move.

11:06: But if you believe the world is getting faster, more volatile, more digital.

11:11: and mobile and adversarial, then you already know the answer.

11:15: Bitcoin is the far better trade, systemically scarce, with supply that cannot be inflated, liquid and tradable around the clock, secure from seizure.

11:26: In the age of remote work and autonomous AI business, digital property beats physical property.

11:32: The next decade will reward those who own Bitcoin.

11:36: Not buildings.

11:37: So let's crunch the numbers because facts don't lie.

11:40: The property's had solid runs, but Bitcoin, it's a fricking rocket ship.

11:44: Over the last five years, from 2020 to 2025, Australian residential property averaged about 8.5% annual capital growth, plus 3 to 4% rental yield for a total return of around 10 to 11% per annum.

12:01: But Bitcoin, A whopping 50+% CAGA compound annual growth rate, turning $10,000 into over $75,000.

12:13: Now property just can't touch this volatility fueled upside.

12:17: But how about over 10 years, I hear you ask, 15 to 2025.

12:21: Now property's long-term average sits at about 6% per annum, with cities like Adelaide, just under that, at 5.5% growth, and Bitcoin delivered over 60%.

12:32: Hagger, absolutely extraordinary.

12:35: Now that's a compounding magic formula.

12:37: $1000 in Bitcoin in 2015 would now be over $100,000 now.

12:44: But how about we go longer, 15 years, from 2010 to today.

12:49: Property's historical, 7% per annum feels quaint, next to Bitcoin's 100+% CAA.

12:57: So early adopters turned pennies into absolute fortunes.

13:01: Now property, steady but slow.

13:03: But eroded by taxes and maintenance and bad tenants.

13:07: Bitcoin's volatility is a feature, not a bug.

13:11: Buy low, hoddle through dips.

13:13: Property, rising costs and government grabs it gains.

13:17: There's just no contest.

13:19: So back to core data, cos it highlights the irony, only 11% of advisors offer crypto products, yet 70% of holders want advice.

13:29: Advisors hold crypto at 21%.

13:33: But won't touch it professionally.

13:34: This lag shows the old guards stuck, regulations stifle inflation, but USA is definitely leading the way with many large institutions, including JP Morgan, as recently announced, allowing for Bitcoin.

13:49: and Ethereum to be used as collateral, and the likes of money manager Vanguard, recently revealing they expect to start advising their clients to allocate part of their portfolio to Bitcoin.

14:00: Now Vanguard has over $9 trillion under management.

14:05: So if only 2% allocate to Bitcoin, that's a further $180 billion into Bitcoin.

14:12: Now that sort of inflow could see Bitcoin increase 40 to 60% in a very short time.

14:19: And this is why Michael Saylor says, all your models will be broken.

14:23: So I wrapping up, government's socialist squeeze on property is driving Aussies to crypto.

14:28: Good riddance.

14:29: What's the worst case avoided by embracing Bitcoin?

14:33: It's borderless, inflation proof, and government resistant.

14:37: No taxes on unrealized gains, well, yet.

14:40: It's portable wealth and accessible to all.

14:43: No $500,000 deposit needed.

14:47: For young people and everyone, start small, educate yourself.

14:51: Bitcoin offers sovereignty, your keys, your coins.

14:55: It hedges against fiat debasement and government overreach.

14:59: Australia can thrive if we reject central planning and go decentralized.

15:04: I'll leave the final words from Fred and Ben's book.

15:06: Real estate served as the wealth building vehicle for the 20th century when money was sound.

15:12: Debt was reasonable and properties were affordable.

15:15: Those conditions no longer exist.

15:18: Today's real estate market offers expensive assets with compressed yields, massive transaction costs, and opportunity costs that compound devastatingly against Bitcoin.

15:30: For lifestyle, buy the home you want to live in.

15:33: For investment, buy Bitcoin.

15:35: The numbers are clear.

15:36: The performance gap is widening and the future belongs to digital scarcity, not physical property.

15:43: Alright guys, thanks for listening.

15:44: Let me know, would you ditch your investment properties just like I have for Bitcoin or maybe some other asset?

15:52: Don't forget guys, stack sats, ditch the bricks.

15:55: Take care for now.

15:56: Thanks for tuning in to Crypto Collective.

15:58: If you've enjoyed this episode, the best way to show your support is to leave a 5 star review on Apple Podcasts or Spotify and make sure to subscribe to the YouTube channel so you don't miss an episode.

16:08: You can also find more of me at I'm Matthew Fraser on all social media platforms.