I did a 10x on my Bitcoin and Ethereum and then actually 10x my portfolio again

Have you thought about moving overseas because a lot of crypto people

Do you orange pill people into Bitcoin first or do you sort of go with a

I want to live like a poor person phase where I just want to sell things I don't even

need. I don't want to accumulate just rubbish around me. And

so that's basically what I'm doing. I've just sold off a car. I was like, nah,

I'm not going to hold that anymore. It's just money just sitting there. I sold the car. And

it was like a dream car. Just on like two weeks ago, a

commercial property went unconditional. I'm selling. So that's

now sold. So I'm like getting rid of now properties as well. All

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! First question I guess I want to start off with is, are you still driving the Aston Martin?

Yep, it's beautiful. I love my Aston Martin. It's a Formula One

Yeah, that's absolutely a head-turner. Yeah. I'm just stuck with a four-door for

now, because Mercedes are that,

but it's a nice car. I've still put the seats in the back. I don't know

It's actually only a two-seater, so I discussed maybe baby seating between

Yep, yep. Good. Thank you so much. And again, congratulations on

all your success as the co-founder of Digital Wealth Group. It's just

an absolute pleasure to have you on the podcast. I just would love to start with, I guess,

your journey. Like, how did you even get into crypto and

Yeah, absolutely. I mean, thank you for having me, firstly, Matthew. It's lovely to be here.

And my journey into crypto was quite unexpected. I was

actually an entrepreneur. I was building and scaling businesses. And

I actually got accepted into an entrepreneurship training in Northern Europe.

And it was there, it was held by three to four mentors at

the time and they were coming and going talking on different subjects. And

I was having lunch with one of the mentors and he actually was on

the phone buying 5,000 Bitcoin at a

time in multiple purchase orders. And I was sitting there

thinking, what is this Bitcoin? And

this is back in 2016. Then he started talking about

this cryptocurrency, this thing called crypto, Bitcoin, he was buying

all this and I thought, what does he know that I don't? So I

started reading anything and everything I could about cryptocurrencies. At

the same time, my brother was working up north on the FIFO, basically

doing fly in and fly out, working on the mines. And

he started looking at crypto at the same time. So we decided to

join forces and learn everything we could about this new asset class.

And then we started to invest. And that was all the way back in 2017. That

was my beginning introduction to get into crypto itself. I

was actually building martial arts skills. I

My dad, he's a Sifu. He looks like Mr. Miyagi. He's

got a big white beard. He's got the authentic shoes and the white hair.

Oh my god, is there anything with the layers of peeling

away? She's actually a Kung Fu master. Is

Yeah, Kung Fu. My dad's a Kung Fu master and I've done Kung Fu

Holy smokes. I've actually done some martial arts myself. I did Kyokushin.

Kyokushin karate, yes, for about a decade. Funny enough,

So close. And I'm just actually right now thinking about whether

I should get my two young girls, five and ten, and get them into martial arts as well.

So martial arts has now built up your strength, your mindset, I

guess, which is the perfect thing for being in the crypto

Bitcoin space, because I dare say you've got to have a lot of mindset to weather

Yeah, so this is now like led you into this new business. You

said you were doing sort of martial arts, but now you've moved into the digital wealth

Yeah, so I found a digital wealth group with my brother back in 2017. So we

started to see just everyday people

getting wrecked in the space. So a lot of people making really critical errors,

blowing 100 grand just like that on wrong websites, plugins, phishing signs,

just trading apps and bots and this and that. And we just said, you

know what, there's actually a strategy that you can apply where you

don't get wrecked. And so we actually just very organically started

helping the neighbor, our friends, family, our parents. We

helped our parents get financially free. They actually walked into

a bank with a check for $1.3 million and paid off all their debt within

I know. And so, you know, for them, it was life-changing. But everyone

around us sort of started asking, how are you guys doing it?

You guys aren't working that much anymore. You have this great lifestyle. Your

parents have set up and what's going on? So we actually just started

helping people We were going to libraries, pubs, bingo rooms,

anyone with a TV and a HDMI cable and we were talking about Bitcoin and

how to get into this asset class. One thing led to another and we

started to get invited to do more formal speaking and then

we realized no one's actually providing education. So my brother and

I said, let's actually start teaching and offering one-on-one. So we

were one of the first companies to ever offer one-on-one private instruction

on how to enter this market safely. And one thing led to

another and now it's one of the biggest educational companies in the world. We've

got students across all of the planet. We've got 30 different

countries represented. Yeah, it's a lot. There's a coaching session happening

every minute of the day. It's very busy. Yeah,

it really, and it was just from literally just walking, helping the next door

neighbor, driving to houses, setting people's treasure wallets up to just one thing

led to another. But there was such a demand. There was such a demand. And

we were just doing it. And one thing led to another, and here we are.

Who would have thought, though, that back then, that you, in 2000 and, what did you

say, 17 or something, or even 16, when you first discovered this, you would end

up with one of the biggest, I guess, wealth creation businesses in

the world talking about crypto. That is

amazing. But let me ask you, though, like when you first came into the scene, what

gave you the confidence, though, to actually part with? Because you

must find this when you're talking to people, right? You're trying to, I guess, orange peel

them. Do you orange peel people into Bitcoin first or do you sort of go

Well, I do talk about the whole big picture. I mean, you know, the fundamentals,

looking at what's behind this. So obviously, that gives people a lot of

confidence. So the bullish catalyst, you know, the Trump pro-crypto government,

the change in regulatory landscape, all of these sorts of

things gives people a bit of a comfort, peace of mind. And then,

of course, I talk about diversification. So not just, you

know, you buy Bitcoin and use something like Ethereum you know, in your conservatives, but

then you mix them in with more speculative, slightly medium

to higher risk cryptos. And then you have this nice balanced portfolio where

you're not sort of over positioned in losers or under positioned in

any winners. So that's really where we start. But bitcoins, obviously,

I say it's like the billboard for crypto brings you

know, people to this space and then we slowly bring

Right, so then if we go back then, how did you

get the courage? Because obviously you're helping other people but you can do it now because

you've done it and you can see the fruits of your labor as

well, right? Based on the correct decisions that you've made. But

in the very beginning, how did you know that this was going to be the

Good question. So I mean, I started with about two to three grand

and I was so nervous. I was skeptical. I didn't

understand this. And I just slowly started learning. But then

I started to say, well, firstly, my mentor was buying 5000 Bitcoin.

And that gave me a lot of confidence when I saw him doing multiple orders for 5000 Bitcoin.

Okay, maybe if I just buy one or two, I mean, that's not going to be that risky compared

to what this person's doing. So let's just see what happens. So

that was my first bit of confidence that I had. But then I started to

see that it was the technology itself was so disruptive. Like

we saw, you know, the horse and cart to the automobile, from

gas to electricity, from print to the internet, all

of these major disruptive technologies came into a

world where it was basically misunderstood until the tech, you know, the

education caught up. And so, yeah, we did see a lot of misunderstanding. People

hated crypto. We used to have people basically throw rotten tomatoes at

us back in the day to say, this is blasphemy, how dare you talk about this rat

poison thing called Bitcoin. But you know, here we

are. So to be honest, it was about, it was research. It was

starting small and then working big and letting the market show

me. So I invested little bits, started to see my altcoins really

start to take off. NEO was one of those examples. I put about a

thousand dollars into NEO, turned into over a hundred grand. cash it

out for about 26 Bitcoin. That was one of my first big

wins. So the market itself actually gave me the confidence. So

I didn't really have to sort of edge too slowly in.

It really showed me what it could do. And that matched the research

I was doing at the time. And I was able really, I was then able to really just leap

Wow, there's so much in that. So is your strategy

right now, you personally, I guess, in this journey, has it been to invest

into altcoins, see some eye growth in those, hopefully, you

Yes, almost in the reverse. So Bitcoin and Ethereum, we

would invest heavily into and get that first big run up. So

obviously Bitcoin, Ethereum historically have always gone first. Then

we see that value rotate into the altcoin market as

altseason comes later. So what I would do is I would grow by

Bitcoin and Ethereum. And then I would see that, you know, do five to

a 10x sort of multiplier. And then I would move that across into

the altcoins on cryptos that I knew later in the cycle

would perform better. So rather than investing in altcoins too

early or not knowing really which ones would take off as we move closer

to that market top period, I would sort of wait, then

roll that profit into more speculative assets later in the cycle. and

then see that have a multiplier on my portfolio. So this is how I

did a 10x on my Bitcoin and Ethereum and then actually 10x my portfolio again

Wow, and so is that basically the strategy that you talk about now with your

that's correct. So we talk about a balanced portfolio, so we don't want to be over-invested

in losers and under-invested in the winners. So we diversify across

growth sectors, new blockchain, AI, DeFi, even

some meme coins in there. And then we hold a section

in Bitcoin and Ethereum, or if it's a bit too late in the cycle, we sort

of drop Bitcoin for now and go for sort of cryptos that can potentially

And so ultimately then, Sadele, is your game plan, because I've

got my own game plan, right? Yes. And so I'm interested to find out

So it would be to build up sort of a Bitcoin portfolio

ultimately, and then hold that for

dear life into the future, as you would say. Or is

just use altcoins and Bitcoin to build up more fiat currency,

Good question. I actually have a strategy for exactly both of those things.

So I do like to accumulate Bitcoin in the crypto winter as

soon as we see that market bottom kick in, typically a

year after the market top. That's a great time. I've always historically

bought lots of Bitcoin at that time, lots of Ethereum. And

then that's one strategy. But yes, I aim to then, you know, take

the profit out of the market top and roll it into slower growing

assets, you know, your precious metals, you know, collectible artwork.

You've got some Picassos around the house, is that

No, no, well maybe, you know, but no, no,

but I actually collect lots of beautiful Australian artwork actually, Aboriginal, Indigenous

artwork, yeah, beautiful collectible pieces and that's my sort of

store of value type pieces that I have also, precious metals collector,

I like to hedge into a few different things. But property? Yeah, property as

well, yeah. So we go, we buy head, sort of like hobby farms

and so I have a land banks with my family. We created this so we

buy land banks around Australia and we sort of go from holidays, one

How do you do it? We get on the Can-Am and drive around and enjoy flying.

I know, I know. It's actually changed

so much about life, like crypto is this concept of

financial freedom everyone chases, but financial freedom, it

sort of sits at the top of this It's an umbrella that actually encompasses

so much more. It's freedom of our time, what

we choose to do. True wealth is our time. And

so this is, it's given freedom on so many levels. And when we can tick

that money box, so much in life changes. I mean, I'm sure you

understand that in your position is it's so much changes. how

we work, the decisions we make, the time we spend with people, who

It's interesting you talk about, you know, building up this land bank because in

Australia, obviously, property is so big, right? It's ingrained

into people's psyche in Australia. You want to buy a house and then

you want to sort of start accumulating investment properties along the way. And

I've done that. Like, I bought my first property at 21 and then I built up a

few when I was in my 20s, etc. And just in case you don't know, just

in recent years, I went and was selling on Amazon. So

the way I made my wealth was actually through Amazon and Shopify. COVID

was really big for me because everything was moving to online space. So I made

like bazillions of dollars through that. And then what I did is

I then started buying up more like commercial properties, right? Just

even around the Tweed Heads area. And then I moved into also

into Bitcoin. Okay, and a Bitcoin and altcoins as well, mainly Bitcoin.

But as I've gone down more, down the Bitcoin

rabbit hole, like I'm just absorbing so many books. And

Michael Saylor is a big influence on me as well, because I have a car collection as

well. So I've just sold off a car. I was like, nah, I'm

not going to hold that anymore. It's just money just sitting there. I sold the car. And

it was like a dream car. I was like, nah, don't want that material possession anymore. Gone.

And then I just, just on like two weeks ago, a commercial property

went. unconditional. I'm selling. So that's now solace. I'm

like getting rid of now properties as well. All thinking though,

It's interesting because I then I heard someone else as well, who's sort of in

your position, they were like, no, I'm going to sell some crypto and buy more property. I'm

No, I'm on your page. I'm actually exactly on

your page. I'm liquidating real estate and looking to

accumulate and roll majority of that into Bitcoin

at the right time. Because, I mean, the writing's on the wall. It's the

best performing asset, you know, despite the years that it's obviously capitulated,

the market's capitulated. It is the best performing asset of the decade. So

it makes so much sense. And now we have institutions rolling

in. the foundation is so strong, you know, it is,

it's the most demanded crypto in the world. And it will, you know, that those dips, the

pullbacks that we get during the crypto winter will become less and less. You

know, so I believe that next pullback in Bitcoin will be

one of the best buying opportunities of the century, in my opinion. That's,

that's, I'm exactly on your page in terms of real estate.

So I'm not on my loan, on my loans and being just like liquidating properties.

No, I see your logic. I've had many penny drop moments

exactly like that, where I'm thinking, Hold on, do I need this anymore, that

and any more? What about if I was able to scale my wealth to even more

significant level by using these types of strategies and knowing actually,

Yeah, because when I sat down and I literally just started doing spreadsheets, just

working out the numbers. I don't think many people really think about the numbers,

right? They're like, oh, we'll just buy a property and then we'll just have it. And

then you go, well, hang on a second. properties. Let's say property

does 10% per annum. Let's say on a good average,

right? Which it doesn't even do that. But on a good average, let's say 10. And

you're now going to compare this to Bitcoin, which is

going to, in my humble opinion, probably do an average

compound rate over the next 20 years of probably 50%. That's

my opinion. I'd be interested to see what you think. And so when you do the numbers,

you're like, why on earth would I hold this in this depreciating

asset that's going to cost me money? I have to look after 10% I

would never,

No freaking way because the government's now, it's basically a

sin now. The Australian government's now think you are a criminal, right,

Yes. I know it's the tenants have all the power, most definitely.

Tenants have all the power. There's all this sort of government regulation and taxes and

things like that. And you know, he's got another land tax bill the other day. You

It's like, what are the land tax bills? I've got four. But then, you know, you sell the property capital

gains tax and then you got land rates and tax and and

So now this episode is going to become why not to buy property

and why to buy Bitcoin. That's what it's going to end up becoming. But

that said, I want to discuss something interesting because I have

a wife. Okay. And what I've found is that new people that

come into the space, generally, if they've got a partner, it's not just their

money. Okay. So it's not just their decision. They've got to converse with

their partner and say, Hey, look, I've just met digital wealth

group, for example, and we think we should put some money into Bitcoin. If

the other person's not on board, then it's going to be a big not

happening. Yep. And so in my journey, what I

found was a success though, and I think this is true for other people, is

I had a lot of success from my Amazon business, let's call it that. So when

I've then gone to my wife to say, hey, look, let's now put money into Bitcoin, because

I had wins on the board making financial decisions, it

was much an easier pill to swallow, right? And

then ultimately that led to, I've now transferred a year ago actually,

all of my superannuation, every single cent is

converted over to self-managed super and put into Bitcoin. So that's all I

hold. And I buy Bitcoin every single month from the salary that

I, you know, the PAYG super. Now, do you do something similar

to that? Do you have a self-managed super fund set up as well? And how do you sort

Yes, definitely. So I DCA into Bitcoin all the time and,

you know, exactly access the super and put that into crypto. Otherwise, it's

just sitting there doing nothing, earning minimal. It's just dead money.

Why not put it to work? So you've got an asset class that can dramatically scale

that and get much bigger returns. That's exactly what I've been doing.

And obviously, I live and breathe crypto, so I can take this risk on myself. I

understand the risk I'm taking. people look at me like I'm crazy.

What do you mean you're going to sell $5 million of property or something like that and

put it in or $6 million of property and put that straight into Bitcoin?

I'm like, without a single, without even a doubt in my head. So

What would you say to people then, Sadell, who again, you know, they're looking at

you like you're crazy because you're going to pull this money in. But you're talking about putting

it in like in today's dollars, right? Bitcoin's

today's price. What would you say to those people who think that

the market has topped and they're thinking Bitcoin's too expensive?

Well, I mean, obviously, if people are going to put a little bit into Bitcoin,

and they say buy $1,000 of Bitcoin, the entire price of Bitcoin has

to double for them to even make a double on that money. But still, you

know, so it's a heavy crypto to lift from this point forward. You know, we've got

there's a lot of lifting to go. But if you still think compared to

traditional markets, might get say 5, 10, 15% traditional

markets. So I say, you know, Bitcoin already will from

this point still potentially outperform what we would see in traditional markets. And

to me, there's too much positive news to say we're anywhere near

the market top. And also the sentiment in the market does not reflect where

we are. So If we're so-called at the top, where is

all the euphoria? Where are these types of emotions going? So there's more

fear and uncertainty and doubt than any other type of emotion at the moment. It's

very mixed. So I believe we've got a long way

to go. There's too many fundamentals. a historical, cyclical

point of view, we're nowhere near that market top. We're still months away from

that potential market top. I mean, this is obviously all speculation. And

retail hasn't even fully returned back yet. So we've still got a lot of the retail market

to return. We're only about 60%, 70% of the retail market of even

the 2021 cycle. So I believe we've got a long way to

go. So anyone looking to get into Bitcoin now, it's

just going in with your eyes wide open that we're slowly approaching that

market top. Will Bitcoin go to around $150,000 US?

That's sort of my prediction. That means we potentially have another 50% where

we are now. So great. That is a fantastic ROI,

in my opinion, relative to other assets. It's just where do you put your money?

If you're a little bit more risk adverse, you might put that on something that

hasn't yet moved, that has the potential to move a lot more than something

Yeah, because I would say I've sort of flipped the script now too, which is

that people say only invest what you're prepared to lose. But

I would say if you're buying Bitcoin, only put money in that you're not prepared to

Because it is that store of value now. You know, I saw a video this morning

of a guy who was talking about he doesn't, he didn't buy any

Bitcoin at all. He's only bought into these random

altcoins. Why? Because he has a purchase price bias,

right? Which is like, I can buy this altcoin for 0.00001 of

a cent, as opposed to Bitcoin now at roughly nearly

100,000 odd US dollars. So do you see that when people

come to you and say, So why would I buy Bitcoin for $100,000 when I can

When I can buy a thousand of these coins for a fraction of a

cent? Not necessarily, but

I do see the argument, I do see the logic in that. Yeah,

people think they're getting more bang for buck, but it isn't really about that. And

that's very much a noob's point of view into the

Right, 10 to 15. And I just want to- And equal weighted. I know you slipped it

in there before, Sadal. You just put it in there and you did put a price prediction

in there. And we'll say it once here, folks, Digital Wealth

Group, Sadal has put a price point out there, $150,000 USD. We're

going to hold it to

it. It better get there. But I'm sure you've sandbagged that

price, right? You're like, yeah, that's like a bear case, you know, might

Hopefully, it gets to 500,000 in this cycle. That's not

a price prediction from me, but in the price predictions range, though,

obviously, I've seen 150 all the way to 500, depending on

who you speak to. But I think you make a really good point, though, before about the regulatory

environment right now is just so strong. When you were trying

to orange peel people back in 2017, the stuff that

was going on back then would have been totally insane. Now, you can

basically go to people and say, look, The crypto President Trump

is in, he's now changed the SEC head, so they're now

a crypto-friendly administration. You've got, I mean, even

just something local, which I talk to people about, is that AMP just

recently spent $26 million on Bitcoin to put

into their pension fund, right? That's in Australia. Peter Dunworth,

you made, have you met Peter Dunworth? He's a great Australian guy.

And he has just leaked it out recently, Sadell, that two

out of the four major banks are already in discussions about putting a framework

into custody Bitcoin, which I think is super, super powerful. What

are some of the great things that you're seeing, I guess, with the change of, I guess,

Well, firstly, the reflection in the market. I mean, it's bringing in a lot of confidence.

It's bringing in more liquidity into the market. It's bringing in new investors that

were never previously there. I mean, the ETFs have already consumed 1.1 plus

million Bitcoin, more than the actual Satoshi original wallet. So

that's a whole market that actually never existed before that is now

into crypto. So one of the positive things is, you

know, it's mainstreaming crypto. It's opening the doorway to people that

never had the confidence or they were still a little bit skeptical that

now all of a sudden we have a pro crypto government. Trump's talking

about crypto. Maybe I can actually get into this asset. So there's

this silver lining to what I say non-custodial centralised ownership

that governments talk about and institutions talk about it. The silver lining

is that there's this tidal wave of capital coming and the idea is to be on

the right side of that wave before we really do hit that

adoption where everything is, all this news is built in. It's

about actually seeing what's coming and positioning ourselves prior to

these sorts of movements. So for me, I just see a lot more

adoption, a lot more acceptance, more liquidity. And then we're just

going to see Bitcoin be consumed more and more into things like corporate treasuries and

strategic reserves and national state level adoption. And

how long is a piece of string? And to me that the timeline is

extremely bullish. It's extremely positive. And we've got such

a long way to go. And the market constantly shifts, but the opportunities slightly

change. But they're still just as amazing as back in 2017. Totally

Yeah, I think now though, it's like a better time than any

other time. Like if you were sitting on the sidelines before, because you weren't sure

about whether the government was going to ban it or something like that. Now

It is off the table. Yeah, it's like the traditional giants

of finance. are looking at crypto. It's like, you know, you

see Lord of the Rings with that big mortal eye that swings around. It's like it is so focused

on crypto right now. And that is just exactly

what we're sitting with at the moment. There is no going back. This

is a runaway train. It just keeps moving and steampiling ahead.

And I was saying last night, I was actually doing a university lecture on

cryptocurrencies last night. And I was saying, you know, that there

is no going back anymore. This is not a matter of if. It was never

a matter of if. It was always a matter of when. Years ago we were talking about

institutions coming in, that we would see mainstream global institutional

level adoption. This will bring a tighter wave of capital. And

now that's exactly where we sit. And I remember those days in

This is scam and people say, this is rat poison and all sorts

of, it's like, oh my gosh. But the smart ones listened, you

know, we had people in the audience putting in a couple of hundred grand to Bitcoin, it

was 1500 bucks. And we've had people email us years later saying, we heard

your talk and we were too skeptical, we should have listened, you know, and

we would have been retired by now, we would have had financial freedom. But

Yeah, let me just touch on that today because this I think is so powerful is the fact that,

I mean, good on you for doing what you're doing because so

many people who become successful, they become multi-millionaires and

they've got the big house and the cars and everything, but they're

not like giving back. Right. And the way I see is

what you're doing is you're actually saying, hey, look, here's someone who has

actually been there, done it. I've retired my whole family. I've

got an incredible financial position now. I've got the freedom, which is

ultimately what we all want. And now you're able to actually educate

people on how to do exactly what you've done because you've

Yeah and I think that's just so powerful and because I made a

joke, not a joke the other day, but I said what was happening was I spoke to my accountant

and he was talking about self-managed super and he said that if you're under a certain

dollar amount you have to go see a financial advisor to basically get approved. I

think it's under 250k net. And I made the comment, I said, what? Someone

has to go and see a financial advisor, right?

Who's probably earning a wage of 100 grand. They're struggling to

make ends meet. And they're now meant to tell someone else how to

succeed in this Bitcoin or this financial space. I

I know. It is. I mean, this is the thing where... I

always say if it's meant to be, it's up to me. You know what I mean? If it's

meant to be, it's up to me. And no one is going to really craft that

reality more than my own self. And if I see the bigger picture I'm putting in

the education, you're right. What does it mean that someone who doesn't

have any understanding of crypto have to comment on that journey or, you know,

that is not in the safe financial place that you want to be to

comment on your financial path forward? So that's why I always believe that.

It's about time we just, you know, bring it back to ourselves and create what it

Yeah. 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. Now, they always say that

you should definitely follow people who have made mistakes before because they've learned

from those mistakes. You know, you've been through the trenches. Can you tell

us some of maybe one of the biggest mistakes that you

made in this crypto space and what

Definitely. There's been a few, obviously. We all

learn our stripes in different ways. I remember in

the 2021 cycle, I had multiple alts significantly

performing well. You know, some of them had done 100Xs, 1000X type

returns. I was sitting on a portfolio close to 20 million

Yeah, just stop there. Just stop there, Siddhell. You just brushed over that

number. $20 million. So

you were basically just looking at your, I don't know if there was apps back then, was

it an app? A crypto app? So you're looking at your screen and

And did you at that point just think, oh, maybe I should just cash out

No. Well, I guess at that point, yes, absolutely.

Should I cash out all 20 million? Maybe I only cash out a little bit. It'll

keep going up. Some of these cryptos are set to go to

ABC prices or XYZ prices. So I'm going to hold

on a little bit more. I could become a billionaire. And

it's a part of that journey. And sometimes the emotions are stronger than the logic. And

we're sitting there looking at these numbers and thinking, Well, you know, it

could go up to 25, you know, when it gets up to 25, I'll pull three, I'll

pull five, I'll start to shave. 5%, 10% of the profit. But

had I gone back now, I would actually go, I'm going to whip out 50% of that,

60% of that right now. Because where on earth are we going to sit on 1000X gains,

100X gains and not take significant profit? So whilst

huge profit was taken out of the market, I do believe I could have taken significantly

more money and then leveraging that money between the bull cycles. So

I would say emotions, definitely emotions. And sometimes the

last minute emotional chases, maybe someone who you even trust a

lot in cryptocurrencies, get on this trade, get on this trade, the

emotions start firing. Oh gosh, I don't want to miss that one. Okay, let me have

a look at it and get on it without actually doing the research. Next minute

you're on it, but then you didn't really, there's an emotional component again

to it. So I have found anytime there has been an emotional component

to any of my investing or profit taking, has always led me

down the garden path. And some of the best decisions I've

made have felt the worst at the beginning, meaning I'm not sure about this, and

it's going to take a while, and will this happen? They've

always turned out to be the best ones, but the worst ones have been, oh my god,

I've got to get on this, the FOMO is kicking in. And

off we go. And it happens to the best of us. I mean, it's the nature of the crypto

industry, especially when you've got, you know, trusted investors around you that

you've invested with for years. Also, I mean, it happens to all

of us. So that's been, you know, take more profit, you

know, take more profit is my advice. Don't let emotions run

the show. And profits are only paper profits until they sit in your bank

account. 20 million means nothing until it's actually 20 million in

a in a Westpac or Navicount. Yeah, it

Yeah, well, you mentioned Pharma. I mean, even I suffer from

Pharma. I mean, every waking moment for me, I know you're going to say,

God, this guy's nuts. But every waking moment for me is,

How can I get more Bitcoin? I can see you, you know, grabbing things around

the house. We don't need this swapmate, you know, Bitcoin. Do

So now, I'm not joking. I've been

selling stuff around because I like to go

through this phase where, look, I've got... That's funny. I'm in a good financial

position, put it that way. I've got a car collection and multiple properties.

But I still go through this phase of thinking, I just want to live like a

poor person. I just want to pretend I'm poor so I don't kind

I think we're on the same page. I've been thinking the same thing. I mean, what if I just

Yeah, I mean, like obviously I mentioned one of the cars I saw, I just put another car

up for sale. I was like, I don't really need this other car. I've got a

nice car that I'm driving around anyway. I don't need seven cars. But

one of them is a dream car. And for anyone who wants to know, it's a Subaru 22B. Dream

car. It's a $400,000 Subaru. Wow. Yeah, it's

You know the name? He's the lottery guy, right? He's

got, now he's like on another level. But he actually has

a car collection, right? And one of the things he just bought recently was a 22B. So

Yeah, we're in the same company. And I see it, unlike maybe

some unique Aboriginal art, I see the 22B as

motor art. Motor art. Yeah, the plan one

day is just to have it sitting in the lounge room, maybe some like elevator that just sort

of... Or one of those rotating, you know, like with a light thing. Yeah,

and it's like everyone's going to walk in and go, why have you got a Subaru in your lounge room? Hey, that's

not, no, that's a 22B, thank you very much. Yeah, so I guess

this whole FOMO thing about selling things and I literally am

going through this, I want to live like a poor person phase where I just want to sell

things I don't even need. I don't want to accumulate just rubbish around me.

And so that's basically what I'm doing. I want to talk to you about something

else, actually, which is leveraging Bitcoin. So one of the things I've actually

started to experiment with was actually borrowing against Bitcoin,

right? So and when I say borrow, it's a very, very small amount. So I understand the

risk of obviously putting Bitcoin up as securities, the fact that it's now

not your Bitcoin. But so what I've done is I've used a company in Australia called Block Earner,

and I put in, initially a starter said, look, put

in $10,000 and let's borrow against that. So they then send back

40%, which is now $4,000 in cash. And the whole idea behind

their business is that you don't have to sell the Bitcoin, right? So

if you've got a business, you can use the capital to

certain things. Yes, what I did though, is I don't need the

cash for my business. What I did is I just took the money out and then sent the money back

and then bought another $4,000 worth of Bitcoin, right? So

I've now got $14,000 worth of Bitcoin, of which $4,000 is

borrowed at 9.5%. I'm like, OK,

well, 9.5%. Do I think Bitcoin is going to go up more than 9.5% over

the next 12 months? Yes. So I'm just wondering, is that

something that you do yourself or you teach

Yeah, we do actually teach about exactly that. So taking a loan where

you are your own bank, necessarily, and then, you know, using that cash

to literally print money out of thin air, which obviously is in Australia

at the moment, not considered a taxable event, because it is in the form of a loan. So

then you are completely, you're sort of expanding your portfolio in

a completely different strategy. And it's a numbers game. It's all obviously

calculated risk hedging in the future, you know, on certain price performance.

So no, I completely agree in that strategy. I haven't personally done that with

Well, it's basically, how can I grow my Bitcoin without

actually, let's say you don't want to sell a property. Let's say you want to keep the

property. Maybe you can keep the property, keep the

Bitcoin, leverage the Bitcoin. And of course, you would

only put up a certain amount. Maybe it's 5%, 10% of your overall

Bitcoin portfolio, because you wouldn't want to put in all of

Now, just thinking about, you just mentioned before that obviously the power

with Bitcoin and borrowing against it is that it's not a taxable event, because

selling the Bitcoin would become a taxable event. How

do you think about staying within Australia? You've obviously accumulating a

mass of assets behind you, not just art and things like

that. So how do you navigate against the

Australian taxation system? And more importantly, have you

thought about moving overseas? Because a lot of crypto people move

Definitely. Actually, Dubai has been on my watch list at the moment and I'm going through

We're tapped into the same source here

No, not yet. No,

I have absolutely. I mean, it's one of those considerations that you have

to consider when you start to tick up a large crypto portfolio

is tax. I mean, it's sort of painful to think that

for every million you cash out, you got to, you know, anywhere from 25, 250,000 to

half a million of that is just going to go straight out the door to tax. And

it's just the reality of the price we pay living here in a country that

has one of the highest crypto taxes in the world in terms of how they look

at it. So it is definitely a consideration and

definitely something I'm looking at at the moment, but haven't sort of taken those shifts.

I'm sort of just looking at all my options at the moment and Yeah, and

Yeah, I think the other thing maybe, if I can just say, maybe you're thinking

about something I think about, which is I've got children and

It's like school's lifestyle and... For

me, it's like family, people are here, life, my

life is here. So, you know, it's do we upend life for money

or is the priority family and stability and living in

Australia. So, is it just the price you pay for now? But

then I think about, well, you know, the next time, you know, my daughter should be four

years old and maybe we're going to, you know, go live overseas for a while. move

over and go spend one to two years overseas, remove ourselves

as tax residents and see how that maybe goes in

the future. So that's always an option. We've got coaches at

Digital Wealth Group that they're so wealthy, they're living in places

like Georgia and Eastern Europe where crypto taxes is

so low, cost of living is so low, and they're doing the same thing. Bitcoin, Bitcoin, Bitcoin.

And they know that there's this long-term game that they're playing. I mean, there's so

many memes about living in a box until you

I saw a guy living in a treehouse the other day on social. He's literally

That's exactly what he's doing. He's like, I'm going to live frugally. I'm living in this treehouse. And

I know. Well, you know, crypto is amazing. I mean, what other asset classes? You

know, I was just talking about this last night. And it's like, what other asset class? You

know, what incredible disruptive technology where we can bank in this

way, where we can take a loan against our crypto. We can now increase

our crypto holdings by using ourselves as the own bank, engaging with

code. You know, I say it's like, you know, they say you can't have your

cake and eat it too, but in crypto, you actually can. You know, you've

got your cake, you can eat it, and actually somehow grows even to

a bigger cake that you can keep eating. And I really think

that is the opportunity, that is this asset class. And it's for the people, you

know, you don't have to have 20 years of investment experience and be able to

trade. You know, just basic numbers and getting in at the

Yeah. What I say to people, though, is, you know, I was just talking to a guy, funny

enough, this morning at the gym. He's a small business owner. I

said, I brought up Bitcoin. You maybe saw the

The crazy guy with the Bitcoin hat. And yeah, he's

in small business, he's 28 years old, and he goes, I know I've

got all these friends who, you know, they do talk about Bitcoin, but I don't have

time. And I understand what it's like in Australia, you know, running

a small business, it is brutal, right? The easiest thing

is actually a nine to five job, right? Walk in, get paid, go home, rest of the time off,

right? That's the easy one. And I said, look, what you've got to do is just break it

down. Right. Is you've got to obviously understand what you're what you're

buying into, which is Bitcoin. But just keep it simple. Don't try.

You're not watching the markets every single day to see if you're going to buy and sell. Right.

You're just going to dollar cost average, which means you're going to put in a certain amount of

money every single week, a month, a fortnight, and then you're going to wake up

in 10, 20 years and then see where it's at. That's pretty much your investment strategy. Yeah.

Yes, 100%. Like every single day of the week or every

week of the year, we say, you know, be buying Bitcoin, allocating

into Bitcoin. It is, you know, you can go on DCA calculators and

see if I had started allocating Bitcoin to Bitcoin one year, two years,

Even if you started allocating at the top of the market, in

the top of the, you know, the 2021 bull market or the 2017, you'd

still be up significantly. Ethereum, multiple 100% X

returns from DCA-ing over from one bull market to the

next, just going from the top down and back up to the top. And

then I say to parents, if you're looking to give

your child some sort of 21st or 18th birthday present, I

said, start now, 50 bucks a week, just 50 bucks a week, 100 bucks

a week, whatever it may be, whatever you can afford until they are 18, 21. And

that will be one of the best ROIs in terms of setting

Well, just on that, I know, I mean, we obviously know that you're a

huge success within the crypto space, but I know you've also got some

clients who perhaps, you know, that you've also educated. Can

you share maybe a couple of stories about some people that have you've educated

Yeah, most definitely. I mean, I can think of a couple off the top of my

head. I mean, we've got a couple here actually in the Gold Coast. They're in

their 80s. So they make the joke that their coach needs to remind them,

you know, what they're actually investing in every time they get on a call. Because, you know, they're

getting to that age. What have we got again? I

know. What's this crypto thing again? And no, but

they put about $100,000 into the market. And they were very nervous and

very anxious. They've got eight grandchildren. And in

one cycle, just over one cycle, they turned $100,000 Australian dollars

into $2.79 million US dollars. They

now have generational wealth to give back to their children and grandchildren.

They said it has just been. And I love the fact that they barely know

how to plug a Trezor wallet in. They have no financial investing experience.

And here they are sitting on a multi-million dollar, seven-figure crypto portfolio,

just like that. And they took that risk. Yes, they put 100 grand up

and they were able to turn it in there. Another thing which I see a lot is

single mothers, helping single mothers. There's quite a large following

of women, especially from the women in crypto group, crypto women

group. For example, there was a lady that took $11,000 of her super.

She then turned that $11,000 into about $150,000 in her

first cycle. And that was the first time I'd seen anyone,

just like her, she was saying it gave her so much confidence. And she'd never

had more than $2,000 or $3,000 in her bank account. All of a sudden, she's

got $150,000 portfolio. She went and bought a car with cash for $30,000. You

know, she gave her children 10 grand each. She felt like on top

of her world and it gave her a completely new lease of life and whilst

she didn't turn $10,000,000 into $50,000,000, $150,000 was

just record amounts of money. And then she actually took about $70,000, $80,000 of

that and invested it into speculative assets that

have the potential to 510X this cycle. She might actually crack

high six figures, maybe even to seven figures this market. And

that is going to be completely life-changing. She wants to buy a home, own

her own home. She's rented, worked two jobs, things like that. So to

me, it gives people choices. It gives people a little bit of hope. And

even if it only turns something small into something slightly

bigger, it's still an incredible big tick for people. It

gives you to see their face light up. It's something that they they've

done themselves, they've achieved themselves, and no one can take that away from them. And

that's what I love about, that's the real kick from sitting this

Yeah, absolutely. You get a kick out of seeing other people succeed. And

I think, you know, when you do come into a lot of financial success,

sometimes material things, although they're good, sometimes

they wane. And, you know, like you get the

seven cars and you're like, okay, what now? And then, and,

but I think the big thing, and I think you'll agree with this is that it's

actually seeing other people succeed and you were able to help them

Yeah. Well, it's adding value into people's lives. And

the amount of times people ask me and almost grill me, well, we don't believe

you because why are you doing what you're doing? Why are you sitting here

teaching if you're so wealthy? And I say, well, Okay,

define what wealthy means. You're sitting down by

the pool, you're sort of just chilling, doing nothing.

For me, my brain is 100,000 miles an hour. I always like to create, I

write books, I publish my book. I

do courses, I'm still a Kung Fu

master. I'm actually currently building an online martial arts

Multiple projects, yes. Taking all my dad's teachings

from the last 50 years of all the knowledge he learned from these masters that literally

could defy hit to fire people in terms of

their power and the way they cultivated energy and what they could do.

So many great things in there. So I'm like, this would actually be really fun to do. So I

just do what brings me enjoyment. Teaching, educating, speaking, giving

Podcasts. This is fun. This is not work. It's like,

let's talk about it. And we've obviously got some similarities there.

Obviously, martial arts is amazing. And we want to sell properties to

I know, Bitcoin. I'm going to be looking for statues and plants around the

Exactly. I'm the master at it, okay? I'm a master on eBay

We should say, you know, this one thing turned into this much Bitcoin, do

So what I do, because I have a little private community where, and

I'm not really doing it for anything more than, I was getting a lot of people asking

me about hey, you've got Bitcoin, how do I set up

self-managed super fund? I was like, I'm just gonna put this together and then you can

just come and have a look. So I was repeating it to a lot of people, right? And if they're prepared

to come in and actually go through some of the things I talk about of like who

they should look for in the crypto space, what is Bitcoin, what book

you should buy, what YouTube channel you should look at, right? And also

I do a step-by-step guide of how to set up a self-managed super fund and buy Bitcoin. If

they're prepared to come in and do that, then I give them a big tick, right?

If they're like, oh, I don't have time to do that, then I just don't really wanna bother. Yeah.

And anyway, so in the in this group, I was telling them the

other day, I said, look, I had this exercise bike that I was not using

anymore because I'm going to the gym. And it's like some thing. And it was I

don't know, I sold it for like two thousand dollars right on Gumtree.

But now I showed him, I said, look, because I have a, I don't know if you,

And look at him like, and I keep a note, right? It's like, I sold this exercise bike

for $2,000. Now look, it's $4,000 worth. Like

I've doubled my money by selling this stupid exercise bike. It's little things like

Hey, you've given up so much of your time today. It's been such a pleasure talking to you.

But I just want to touch a little bit more on the digital wealth group. So what's

it about? How do people get in touch with you and what you offer

Yeah, yeah, no problem. So basically, Matthew, we teach people

how to get into this space safely through self-custody, setting

up diversified portfolios. So if you're a complete beginner, you've never entered

this space and you're feeling a little bit overwhelmed, you can jump on

and we take you step by step through how to get into this market. If

you have more experience in the market and you're looking for consultancy, someone to

help scale, or even just have someone to talk to about what is going

on with your portfolio, we can certainly help with that. So we offer private

one-on-one coaching and online support. We do guest

interviews, masterclasses, Q&As, weekly

market updates, all these sorts of things. So you can go to the website, digitalwealthgroup.com.au,

and we also have a free training. So if you go to digitalwealthgroup.com.au forward

slash free training, there's some free training in there for people if they do like to. check

out that as well. So that's how to get in touch. And we

also have Crypto Women, which is a free Facebook group that, you know, women are

That's right. Even if you're 80, come and listen. I do like free talks in there. We post

up content every day, what's happening in the market. introducing the concept of

crypto, sort of breaking down those walls. So yeah, any point, you

can also subscribe to Digital Wealth Group just to sort of get some free information on

what we do. Yeah, many points to come along and

That's awesome. And the only thing that I want to do is just help people find out

more about Bitcoin and support others like yourself in the Bitcoin space,

because I think we can all help each other grow the space. It's going

Visit El Sierra on Instagram or Digital Wealth Group to subscribe

and follow our emails. I do email right two or three times a week out to

our subscribers. so to keep everyone up to date with what's happening.

I don't know, I've never been shy of doing that stuff for some reason. I've never been a big

That's true, that's true. It's like baby in one hand and crypto portfolio and

That's so awesome. Sadal, thank you so much. Co-founder of

Digital Wealth Group. Really appreciate you coming on the show and look forward to seeing you again another

Pleasure. Take care. Thanks for tuning in to Crypto Collective. If you've enjoyed this

episode, the best way to show your support is to leave a five-star review

on Apple Podcast or Spotify and make sure to subscribe to

the YouTube channel so you don't miss an episode. You can also find more

of me at I'm Matthew Fraser on all