The average Australian retires at 67 with $400,000 in

super. Now that's barely enough to survive, let alone

live comfortably. And here's the part nobody tells you.

You'd have spent 40 years working for that. But

there's a small group of Australians retiring at 50. Not

With millions in the bank. Tax-free. They're not

richer than you. They're not smarter than you. They just figured

out a loophole in the super system that the government doesn't

want you to know about. In this video, I'm going to show you

exactly what they're doing. The two bucket strategy, how

to turn $86,000 into $99 million and how to retire 17 years

early while everyone else is still grinding away. Let's start

with the elephant in the room. The Australian superannuation industry

is a complete freaking joke. You've got trillions

locked up in fees, probably over $4 trillion last I checked, but

who's really in control? not you, right?

Not you at all. It's the big industry funds, the

unions, and now the Labor government trying to raid your

nest egg like it's their personal piggy bank. So think about it.

In a standard super fund, you've got zero say over where

your money goes. It's all about balanced portfolios, a

bit of shares, bonds, property. But

what about the returns? They're poor to average at best. And

over the last 10 years, the average balanced funds returned

about 7% to 8% annually after fees. Now, does that sound

okay to you? No, it's absolute garbage when inflation's

eating at 3% to 4% a year, and you've got fees chipping away

at about another 1% to 2%. So you're barely keeping ahead.

But here's where it gets really dirty. The Labor government's

pushing to unlock your super for their pet

projects. Now remember Jim Chalmers, the treasurer. He's

accelerating plans to tap into the over $4 trillion

in super pool for housing and clean energy. And

they're changing the performance test so funds aren't obstructed from

investing in these areas, right? So the translation of that is they're

pressuring industry funds to funnel your money into

green energy scams and housing developments that line their

mate's pockets. It's not about your retirement. It's about

funding their agenda. We only have to look at

what is going on right now with the uncovering of labor dropping

15 to $30 billion of taxpayers' funds

to the CFMEU. And

if there was an award for the best legalised criminal

cartel style party, Labor would win hands

down. And now you've got Victorian Labor jumping on

the bandwagon. They've got a massive $18.3 billion

of liability to public servants, right? That's unfunded

promises. They're kicking down the road. The Auditor-General's warning

it's a time bomb because they're delaying payments, exposing

the state to risks. With record debt, net

debt hitting $194 billion by 2029. They're eyeing super as a bailout. Interest

expenses alone are soaring to $10.5 billion by

2028. But who's paying? You! Through higher fees

or diverted investments, right? Just ask anyone who

is living in the Socialist Republic of Victoria and

they'll tell you all about the ridiculous taxes being

imposed on people. It's an absolute mess and I mean Damn,

look at the scandals. Industry funds are still pumping

billions into fossil fuels despite the green push, $33 billion

last year into companies expending coal and gas. Now

is that hypocrisy? Of course it is. And the government's all

in on this net zero, forcing funds to align with

Paris Agreement crap, which means your super is

getting dragged into these volatile green schemes that

could tank your balance. This has already happened in places like California,

so we've already seen the evidence. So the average Aussie

right now, they go to work, they pay their taxes, and thinks, if

I just plug away, my super will just take care of me. but

they don't look at the numbers. It's like fiat money,

inflated, controlled, and designed to keep you dependent on

the state. No transparency, no growth,

just a slow bleed while the elites play with

your cash. So what does this mean for you

if you're, let's say, 35 to 45 right now?

So let's break it down. First, what's the average super balance

looking like? For a 35-year-old, say, in the

35 to 39 bracket, the average is $86,000. Men

are a bit higher at $96,000, women at $76,000, but yeah, about $86,000. So for 45-year-olds, this is in the 45 to

49 group bracket, it's jumped to about a $159,000 average, with men at $181,000 and women at $137,000. And

if you stay in your current fund and do nothing, what's

the outlook? Assuming those average returns of say 7%, which

is optimistic given the market volatility and

the green tape coming. So let's project to

retirement. Normal retirement 67, right? Now that's

if you're happy with an old age pension, which I'm sure you're not.

You can legally access super from 60 if you're cashed up

and you don't wanna have to work in a job, right? We're talking retire

at 50 here. But first, the doom scenario if

you just coast along and just do nothing and put your head in the sand.

To not be reliant on the old age pension, meaning fully

self-funded, no government handout, you need enough super

to generate a comfortable income without tapping into

the pension. Now the ASFA, which is Association of

Superannuation Funds Australia, retirement standard says

for a comfortable lifestyle, singles need about

$52,000 a year and couples need

$73,000 a year. Now that's if you were to retire on today's money, which

to me is a freaking joke, right? Now that also assumes that

you own your own home and get, wait for it, and

you get a part pension. So to get zero pension,

your assets have to be over the taper limits, like

700 plus thousand for singles, But for true independents, you're

looking at $800 to $1 million in super to

eventually, when you retire, draw down safely at 4% to

5% a year. But if you do nothing, at 7% growth, that 35-year-old's $86,000 grows

to about $237,000 by age 50. Now

that's 15 years out, barely enough for a

modest retirement, let alone comfortable. And for the 45 year old with

$159,000 right now, it hits around $223,000 by 50. So that's only like five years growth, which is

like. Pathetic.

So what sort of lifestyle are you really looking for? If

you're relying on the pension, which kicks in at 67 anyway, but

say you scrape by till then, you know, maybe the max age

pension, you get $1,079 fortnightly,

the singles, and about $28,000 a year, right? That's just absolute

garbage. Let me say that again. If you go on the old age pension, $28,000 a

year. Now, That's

basic, right? Cheap groceries, no holidays, no

eating out, maybe a secondhand car if you're lucky. Modest

ASFA standard is $32,000 a

year, right? So this is the superannuation industry saying a

standard is $32,000 a year, right? It's

better than nothing, but you're gonna have no luxuries whatsoever. And

maybe you do think that's comfortable. I'd say forget about it. You'll

be pinching pennies watching every dollar while

inflation eats away, and the Labor raiding funds,

your growth could be even shittier than that. Could

be absolute devastation. More social investments

mean lower returns for you. This is what I'm talking about, folks.

The average Aussie retires with $400,000 in super,

way below the $595,000 the Australian Superfund

says for comfortable single retirement. Women, even less,

$355,000. So you're set up to fail from the very beginning. You're dependent on

the government forever. And that's not freedom. That's

slavery to the system. And you do not want that. All

right, but here's the good news. There is a life raft.

And before you shake your head, just listen and hear me out.

The life raft is Bitcoin. You can roll over

your super into a self-managed super fund and allocate to

Bitcoin for the best shot at a real retirement

wealth, okay? Now, if you don't believe me, you

can go and do your own research, but listen to this. Now, when you're rolling

over your super to an SMSF and buying Bitcoin, you

do need an exchange to actually do this. So most of

them are clunky, they have hidden fees or treat SMSF customers

like an afterthought. My recommendation for this would be

CoinStash. I personally use CoinStash for my

own crypto SMSF, and the link is in the description if

you wanna check them out. So first things first, Aussies

can set up an SMSF and as little as, wait

for it, $70,000, right? No legal minimum,

but this is what we're doing every single day. And that's a practical starting

point if you're keen, even though experts say $200,000 for

cost effectiveness, but stuff that. If you've got

like 70 grand, you can do it. The reason why

they say that you can't do it is because they don't factor in allocating to

the number one asset, which is, of course, Bitcoin. So you

roll over from your old fund, you set up a trust, and

boom, you're in control. You invest in Bitcoin directly

through your fund, you put it into self-custody, no middlemen

screwing you around, right? Now, why Bitcoin? Because

traditional super returns are just trash compared to Bitcoin.

And so think about this. over the last 10 years, Bitcoin's

compound annual growth rate is about 70% annually,

right? Yes. Okay, 70% is a massive number volatile

as hell though, dips and peaks. But long term,

it's the king, you stop looking at the price, right? It's about

how much Bitcoin you have. Now the current price is

around $94,000 Australian dollars for one whole

Bitcoin. But keep in mind, you can buy part

thereof. You can buy $70,000 worth of Bitcoin or $50,000 worth of Bitcoin. Now,

that's after even the most recent correction of

a drop of 50%. So now you get in and

those numbers and that number of around 94,000, that's after

the most recent correction of around 50%. So

you get in now and you've got yourself an absolute bargain, like

literally Bitcoin is on sale right now. Now the numbers. You're

35 years old with an average 86,000, right? Now

stay tuned to this, right? You're going to be blown away. You roll it into an

SMSF, all in Bitcoin, assuming historical

60% growth, right? And past performance is not guaranteed, but

let's let's dream. In 15 years to get to age

50, that turns into about $99 million. Yeah, I know. You

heard that right, 99 freaking million dollars. Now,

conservative, 20%, right? Still over 1.2 million,

right? Let's say that that 60% was absolutely ridiculous.

It didn't do that into the future. Only 20%, your money

would still get to grow to $1.2 million by

50. Now, that's enough to retire comfy with no pension

needed. Now, Bitcoin expert, Michael Saylor expects

a base case of 30%. So that would

make it $4.4 million and you could draw down 4% a

year safely. That's about $176,000 income

without touching the principal. No pension dependency, a

comfy lifestyle, freedom from that fear grind. Now,

for the 45-year-old with $159,000, you've got five years to 50. At 60%, we'd get to about $1.67 million. And

at 20%, around $400,000. Still beats the Superfunds, which was $223,000. Right,

so look. I

get it, Bitcoin is considered risky by many. And if there was a correction

at the exact time you wanted to retire, other strategies

would need to be employed. Okay? But staying in

the fiat super, that's an absolute guaranteed slow

death. And the banks, they'll fight you. Limit

on transfers, questions like where are you moving your money to? But,

you know, you're going to have to open multiple accounts, maybe NAB, ANZ, ING.

And I've moved hundreds of thousands in one go through these sort of

company buckets, right? But it's rubbish. But there's always

a way around these issues. And Australian crypto

exchanges like CoinStash can provide near seamless

transfers. And listen, I'm not just saying this without my

own personal conviction, right? I'm not saying you should do this, and

I haven't done this, right? I have moved all of my super into

an SMSF and all allocated to Bitcoin, right? So

I've been self-managed now since 2022. Now my

wife, she thought I was totally crazy at first. I thought it

was crazy at first, but then I did the research, right? And I showed

her the growth as well. And guys, the rest is history. And

now look, I've outlined how you could theoretically retire

by 50 by exposing your super funds to Bitcoin. Turning

that average $86,000 into 99 freaking

million dollars if it had a 60% growth or even

a conservative 1.2 million, right? But here's

the reality check. You still can't access those

millions until you're 60. Big problem. Yeah.

And that's the law, right? Preservation age is 60 for most of

us, born after 64. And even then, it's taxed

if you pull out early. So the government's got your

wealth locked up like a fiat prism. So

you're going to say to me, but what is the freaking solution then? The

answer is do all you can to stack Bitcoin

outside of your super fund as well in a personal

or preferably in a trust or company structure so you can access

it and live off the wealth at 50. So yeah, personal

buckets, company accounts, right? Whatever tricks you've got up

your sleeve. And my advice is to speak to an accountant about

how to best structure those legal entities for

stacking Bitcoin outside your super. Now open those extra

bank accounts, bypass the limits. And another strategy

that I personally use is I've safely doubled my

Bitcoin stack with products like B2x from leaden right

I do this myself so companies like leaden they let you borrow up

to 50% of your Bitcoin value at a single-digit

interest rates and guess what this is gonna blow you away No

pay slips required. No credit checks. No monthly minimum

repayments and I've experimented with this. It's totally real

You can check the link in the description if you'd like to learn more So

guys, we've covered the super scam, the grim outlook

if you do absolutely nothing. And I know it's not ideal that

you can't simply access your super before 60, but

that is the law. But isn't it great that you can now allocate to

Bitcoin within your super and know that you're going to have an

incredible retirement by 60, at least better than what

it currently is. But also use the other hack, which

is to stack Bitcoin outside of super in the

trust or the company or personal name, and then build

wealth so that you can actually look at retiring by

the age of 50. Because politics, funds,

it's all rigged, right? But you can escape. If

you want to know how to actually do this and take action, simply find the

link to Crypto Collective in the description where I provide you

a free step-by-step guide. Do you want to

retire at 50? Drop your thoughts in the comments. Let me know what

you think. If you found some value in this episode, give us

a like and a subscribe. See you on the next episode. Take care. Hey,

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

best way to show your support is to subscribe to the channel, or

if you're listening on Spotify, leave a five-star review. It really helps

me to create more content just for you. Also,

if you're ready to level up your crypto journey, make sure to check

out CoinStash. It's the platform that I trust to buy,

sell, and hold crypto with ease. You can also find more

of me at I'm Matthew Fraser on all social