Your strange dream is dead. Superannuation is eroded by inflation. The $5 million nest egg you

thought was impossible. It's within reach. If you understand Bitcoin's role as the best performing

retirement asset in history. Today we're breaking down why the super system is broken and what you

can do about it before it's too late. Today's guest is Zain Truscott, Australian Bitcoin coach

and host of the Bitcoin with ZT podcast. Satan is on a mission to help Australians in their 40s and

50s retire smarter and become fully sovereign with Bitcoin. With 15 years of experience hosting

educational workshops and a background in personal growth coaching. He's now focussed on one

thing showing Aussies why the traditional retirement path is broken and why Bitcoin is

their plan B Zain Truscott. Welcome to Crypto Collective. Great to be here Matt. Appreciate the

invite. And it was really great having you on my show. Not that long ago. So had a great

conversation and can't wait for this one. Yeah. Thank you. You are just an incredible voice

because I love actually listening to you while you're sitting in your car sharing all your

knowledge about Bitcoin. But let me just jump straight to it, though. For people who are in their

40s and 50s is the dream of retirement over for them? I personally think it is, but they probably

don't realise it yet. You know, I think this is the reality that most people are starting to wake up

to. Hmm. Uh, historically, you know, superannuation, which is our retirement funding in Australia.

We've we've kind of had it out of sight, out of mind. And so we've never really paid much

attention to it. But I think more and more people are starting to get nervous. Okay. They're starting

to see. Uh, you know, last year we had a major industry fund go down. I think

about 12,000 retirement accounts went with it. Um, cyber attacks, you know, this

this push to tax people's retirement, you know, through the unrealised gains, um, motion that they

had yesterday. For now they've parked that. But I just think people are generally starting to wake

up and question whether or not, you know, that this thing that we call super that they've been

diligently allocating to over many decades, uh, whether it's going to be there and whether it's

going to serve their retirement the way that they think. Um, so, in short, I think that the

retirement dream for most people are they're going to get a wake up call. And sadly, most people

are going to get it when it's too late. Yeah. Where do you think people actually wake up, though,

because you're speaking to people in this space who are contacting you about some of the services

that you provide, but what do you find that people come to you? Are they 53? Are they in their 40s and

what's the catalyst for it? Yeah, most people who come to me, uh, and for those who don't know, you

know, I sent essentially coach people on how to onboard into bitcoin. Um, you know, how to set

up a bitcoin friendly retirement plan. Those kinds of things. Most people who come to me, they're

probably mid to late 40s and above. Okay. And they in their mind they they don't want

to work forever. Right. And and it may be it's the macro landscape. Maybe it's they don't trust the

government. They don't trust the system. Maybe they feel inflation, the cost of living crisis. A lot of

them have kids and they're starting to see, like, I've got three daughters in their 20s and we

start to think about their future, you know, and the impact of inflation and the growing wealth

gap on them. So I think it's just a myriad of issues that people,

um, feel within themselves and they can't necessarily put their finger on what is the cause

of it all, but they just know there's a problem. Yeah. And so they go, well, what are the

alternatives here? You know, I either lock myself into the system and there's a

really good chance I'll be working until I'm in my 80s. Right? Or I take some action now and and

you know, we're going to talk about bitcoin. But people are starting to realise that Bitcoin is

this um, kind of nascent asset that's sitting over there on the sidelines. But they just want curious

and they want to know about it. And they want to know how it can serve them in their in their

retirement years. And so there's no one thing that I think is, is an alarm

bell for people. I think it's just a myriad of issues that people are starting to come to

realise. You touched on something, though, which is that people find they can't get ahead. And I was

just talking just recently to one of the teachers at the school my my daughter goes to now. He's in

his mid 50s. He's probably on over $100,000 a year. He drives a 1990 beaten up

VN Commodore wagon because he just parks under the tree and he gets trashed. He doesn't care.

Right. So he's not living you know he's not driving a Lambo or above what I would say he's

means. He went and saw a financial advisor, sat down with them, and the response was, you've got to

cut back, right? And he's like, cut back what? Right. I'm driving this piece of shit car. I'm living in

a three bedroom house in the suburbs. Right. And I think this is the problem. Like, you always feel

like if I just get through this, then I'll get ahead. And if I just get through this bit, then I

can start, you know, stacking some money and put some into savings. Yeah. So what? Zain, this probably

leads to the to this, to big money. Like, what is the actual solution that you preach?

I mean, at the end of the day, I probably preach what has been wealth creation strategies forever.

I mean, I've always been a property guy. My family, you know, we created most of our nest egg, if you

like, in real estate. It's always been the way in Australia. I mean to to to create wealth. But you

need to rely on time. Not not timing the market, but time in the market. And I think Bitcoin is

no different. It's just that Bitcoin is an emerging asset. Okay. Well it's still an adolescent.

It's 16 years old whereas property is a mature asset. And it's been over financialization,

particularly since the early 1970s when the world came off the gold standard. And since

that time we've had no checks and balances with the Aussie dollar and the US dollar and the euro

and all these currencies. And so when people look at their house price and they say, well, you know,

it's gone up 50 or 100 x in the last 50 years, as has been the case for baby boomers who have

played the long game, um, you've got to ask yourself, what does the future hold for the next

generation? Are they going to experience that 50 to 100 X in their house prices? Is that a

viable way to create wealth? And so I think, you know, for me I think of Bitcoin as

on the base level. I think of it as digital real estate, and I think most people can relate to that.

There's only 21 million. You know, it's a good way to think of its own. Yeah. And there's only so much

of it. We start to talk about scarcity and how scarcity drives value, which is the same in

property. Of course you've got beachside property. It's scarce. Absolutely. And it's more scarce than

it is if you've got a, you know, a condo on Sydney Harbour. Right? I'm not sure how many of those you

can get on Sydney Harbour, but you know, there'd be a limit to it. Same as beachfront property, as you

say, Matt. So, so I think people inherently understand scarcity drives value, but you've still

got to kind of coach them on that and how Bitcoin plays into that. And the fact that we've never

seen an asset in history that's absolutely scarce. We understand scarcity.

But what about absolute scarcity? I mean, gold is scarce, but it's only relatively scarce. You know,

that's what, 2% inflation rate. Scarce until you dig out more. Exactly. You think Elon Musk couldn't

go and find, you know, so many more? Tons. I think China just found a whole stack recently. Like

they'd dug a bit deeper and there was a stack of gold again. And they're incentivised to do so when

the market's doing what it's doing right now. Um, so I think it's just this realisation that, uh, and

I think Michael Saylor has, has probably been the one who has framed this best in recent times,

where he refers to, you know, Bitcoin as digital Manhattan, sort of like owning a block or

a lot in Manhattan 200 years ago when, you know, Manhattan real estate was cheap and now it's the

most expensive real estate in the world. And so if people can just understand, even if they can't

get their hands on one whole Bitcoin, at least a portion, Right. Because if you

think of Manhattan, people don't own the lots of land. What they own is apartments that are built

on top of the blocks of land. Yeah. But explain that for people, as they say. And you said you can

buy a part of a Bitcoin. What do you mean by that? I think it's the, uh, I

think we refer to it as unit bias, where people get hung up on owning one whole thing.

And you know, in Bitcoin and what a lot of people don't realise that. And you know, I know that you

know this because, you know, you coach your own people around this as well. You don't have to buy

a whole Bitcoin. You can buy a fraction. There's 21 or 100 million Satoshi's per Bitcoin.

We have a dollar. There's 100 cents. We have one Bitcoin. There's 100 million sats or Satoshi's. And

so when people start to realise that it's not about the price of bitcoin being, you know, 90,000

USD or 130, 140,000 Aussie as it is today. It's about,

um, you know, how much can you deploy in your legacy financial life

into Bitcoin now that is going to serve you in terms of capital growth over the

next ten, 15 years, because we know historically and this is fact, this is not

speculation historically over the past decade. Bitcoin has outperformed every other asset on

average on Earth by not a small amount, but by orders of magnitude, by multiples,

you know, 7 or 8, nine times. And so, you know, just understanding that it's not about owning one

whole Bitcoin. Yes. If you can get to that, that's a great goal to have. And there's a lot of people

who, you know they tap into like their superannuation Matt. Because it's kind of like a

low hanging fruit. Um savings long term savings that they can access. They've been saving in it

for 2030 years. It won't interrupt their day to day life. You know, they don't have to go and sell

their house or, you know, even take money out of their own cash flow. Yeah. Or not, go on a holiday.

Take the kids on a holiday this year. They don't have to go without anything. They can still get an

allocation to Bitcoin and tap into this pool of cash that they really have

no say in anyway. They're just sort of mindlessly allocating to it because that's the system we've

been. And they mindlessly accept the returns which which is is it even

keeping up to with inflation and monetary debasement. Yeah. Right. Well, well I know, Matt,

you're, you're more of an expert in this area than I am, but I don't know about that. We know we know

that the rate of currency debasement globally sits at somewhere between 10

and 12% per year. Now, what does that mean for people though? Like. Yeah. I was just going to say

for the listener, when we talk about currency debasement, they are essentially diluting

the value of your savings. And how do they do that? Because if you've got a pie

right of of dollars, Aussie dollars, and you go to work and you

earn a portion of that pie, right, and then you save that portion in your bank account,

and then the next quarter the government comes out and they broadens or extends the value of

that pie in terms of currency, the amount of currency in circulation. You still own the same

piece of the original pie, but the pie just got bigger. So that's dilution. So you now own a

smaller piece of a bigger pie. Right. And this is what this is the sinister nature

of real inflation people. We hear about inflation and we listen to Jim Chalmers or,

you know, somebody in a $5,000 suit on the today show saying inflation is under control and like

normalising it 3 or 4%, which is the price of eggs going up from $6 a carton to

650 if you want organic eggs or about 12 bucks a carton. But guess what?

In the inflation figures, guess what they don't include. One of the most important things we all

need, which is shelter, a place to live. And so if they were to incorporate into this assessment

basket of goods where they assess inflation and then get on the the mainstream news and tell

everyone that inflation is under control, when people know in their gut it's not under control,

but they're just being fed these lies. And so they can't figure out, well, they're telling me we're 3

or 4% inflation. And I realised the price of bread might have gone up $0.20 this year, but it's made

no real difference to my life. But what has made a difference is the fact that my landlord has just

put my rent up by 200 bucks a week, or the house that I wanted to buy in 2019 and was

saving for is now another half $1 million. That same house. That's

inflation. But that inflation is caused by what? Currency debasement.

Because scarce assets are what we refer to as liquidity sponges. They absorb the

financial premium. So the more this is why the rich get richer and the poor get poorer, Matt. And

why we've got this growing wealth gap. Because if you haven't had your capital and your savings

parked in reasonably scarce assets over the past six years,

you've been financially crushed. And we're not even talking about just Bitcoin. We're talking

other assets too. Like you're just we're just we're just painting the picture here of the

landscape that forces people to start to look for alternatives. And

of course this is where Bitcoin comes in. But in my experience it's really difficult

to stay the course in Bitcoin for what it really offers you. And I believe it offers us offers

two promises which we'll get to. But you've got to understand the problems first, Matt. You've

got to understand the problem that you're escaping. And this is why there's this saying in

in Bitcoin, let's take the red pill first and then we'll take the orange

pill. Hmm. What's the red pill? Understanding the problem. Understanding why

Satoshi created Bitcoin at a very specific and opportune time.

Now he may have Correct. He or she they whatever consortium. We don't know who Satoshi is. Or was

this speculation and a general belief that Satoshi. I'm staying health any health any

perhaps. Probably a combination. But the reality is, is that why did Bitcoin get offered to

the world? On the back of one of the most chaotic financial times

we've ever experienced? I mean, the GFC was I remember we were caught up in it. Hmm. Okay.

Uh, and it had devastating effects, not just in America, around the world. Bitcoin came out

one month after the fall of Lehman Brothers in September 2008.

And I know we're here not to talk about that, but there's just it's just important for people to

understand that, you know, Bitcoin's not this kind of thing that the fairies just sprinkled down

from the heavens. It it it came out, I believe, at a at a very opportune time for a reason. Yeah. Let me,

let me just say something that to Zane because. When I came into Bitcoin it was more from an

investment point of view. Oh I'm going to put my money into this and it's going to grow better

than this other investment. So I kind of took I didn't I took the orange peel but I hadn't gone

down the rabbit hole yet. Yeah. Um, I then I guess I took the red pill in the sense of understanding

the monetary system. Later, once I started listening to other voices in the space you

Michael Sailors and your Jeff Booth and what have you. Then it was even a bigger wake up call, like,

oh my God, that actually probably gave me more conviction than anything. So I already put money

into Bitcoin. Then I started taking notice of Bitcoin because you obviously take notice of

things that you're invested in. Then I started to understand, hang on a second, these these

investment properties that I'm holding, they've got to go right. I've got to get rid of everything

that's not pinned down now. I mean, this is a whole evolution that people go through and which is

which included, of course, moving all of my crappy traditional superannuation. I looked at that,

which is what you said, the lowest hanging fruit. I was like, hang on a second. This is right. It's not

even keeping up with essentially currency debasement, right? It's going essentially backwards.

And I moved it all over. And as soon as I found that out, I didn't even question it as like moving

over right now. And I'm talking everything. I didn't split it into. I bought some shares and I

bought and I bought, I bought another property in my SMSF know every cent into Bitcoin. So that was

my level of conviction. Can I ask you though because you're talking to people about this all

the time. What are the what is the level of conviction though with people in their SMSF? Are

they moving all to Bitcoin or or is there a magic number that you think is the minimum that people

need to have? So I don't know specifically because I don't I don't ask that question. Okay. But my

hunch is that, you know, there's there's probably half of the people that I talk to. My

hunch is that they're going all in okay, because they see it as like

they they see it almost as a, as a, um, putting it all on read, so to speak. And of course, it's

not Bitcoin's orange and it's not a gamble in my view. Uh, but the reality is that I think people,

they say to themselves, I've read a couple of books, I've done 20, 30, 50 hours of

study. I know this is not going to fail. And we know that no asset that's ever reached a

$2 trillion market cap historically has ever failed. They see all of the regulatory

clarity in the US and the strategic reserve. And so I think people get a lot of, um, uh,

endorsement and confidence from that. And then they go, well, you know what? Why would I back? The

second or third fastest horse in the race when I can back the the

fastest. Right. And I don't have to put any thought into this. I don't have to be an active

participant in any way. All I have to do is move my super out of an industry fund with a

professional, get my trust set up, get my cash management account set up, open my my

my account with a brokerage or an exchange, get my SMSF account, follow those steps. Get almost

a super into bitcoin. Secure it. Self custody, collaborative custody, whatever people

whatever resonates with what they wanting to do and sit back and just wait ten 1215 years you

can't touch it anyway. And so I think there's I'm quite confident that there are a number of people

that have gone all in. And then there are some who already have commercial property or, you know,

managed funds or blue chip shares or whatever, and they want a bit of a diversification. Mhm. Um,

but you and I both know that that over time, as you become more and more convicted as to what

Bitcoin really is, uh, you gradually find yourself moving more and more and more of your

capital and rotating out of other assets into Bitcoin. It's kind of a natural thing to do. Yeah.

Uh, as time goes on, because even people who are moderately wealthy or well-off or have a good

sort of nest egg or capital base, I mean, most of us have toiled and we've studied and we've been

proactive with our wealth creation. It's only a matter of time before we wake up and say, well, why

would I keep my capital, which is a precious resource that we want to serve

us into retirement and hopefully be able to pass on to our kids. Hopefully. Why would I

keep it in second, third, fourth, fifth? Best performing asset when it can be in the best? And

there's only really one reason, and that is because you like this idea of diversification.

Yes, I think that's the only reason. Well, a lot of people say right now, Zain, silver, gold, you know,

they're going at all time highs. I've got a friend who's got $250,000 of silver

bars in his house. Wow. And he said, you know what? It's a freaking pain in the ass, right? I've got it.

Literally. Now go organise a truck because he wants to sell it. He's going he's moving more into

Bitcoin. Yeah. And despite the record highs of silver. Right. But this is a seems like the problem.

But people just say like oh I'm just going to go allocate to silver and go like are you literally

going to have that in gold bar sitting in your house? I mean, think of it practically. Yeah. And

then I say, look, if you're going to move somewhere, you're going to have to now literally pack it up,

move it. He's thinking about moving overseas. You can't just pack up gold bars or silver bars and

move overseas. So he's offloading at all as soon as he possibly can and allocating that to Bitcoin.

Yeah. And again it just takes a level of conviction in order to do that. I think we're on

the same page as people you know, who are in gold and silver because we just believe in sound money,

right. It's just that when you start to understand all the other attributes of Bitcoin in terms of

its ability to fraction lies the fact that you can spend it, the fact that it's portable, the fact

that you can verify it, you know, you run your own node, you look up the mem pool, you can see

exactly what's happening in and out of your own self custodial wallet. I mean, that's why there's a

saying in Bitcoin don't trust verify right. So you can we haven't even verified the Fort Knox yet.

We'll go all the gold. So how on earth are you meant to verify that what you have is real gold

or silver? I mean, people go to a 1,000,000,000 billion dealer and they just trust. Well, there was

an experiment recently. I think it was, um, the Binance guy was right. He was on stage with,

uh, Peter Schiff. I think his name is. Is that right? He's the gold bug. The gold bug? Yeah. And did you

see that episode? And and he pulled out a gold bar and said, oh, here you go. Take this gold bar and

Peter's taking the gold bar. And he said, is it real? And Peter, who's been in gold forever and

advocates for gold, loves Gold's the best thing ever. Talks down Bitcoin of course. And he said, oh

I don't know I can't tell. Right, right. And this is the problem. It is, it is. But these are

kind of deeper level conversations that as time goes on, Matt, people start to

unpack in the first instance, like you and I and most people, all we see is

this incredible growth rate and the compounding effects and the comparison of Bitcoin to all of

the other assets. And that kind of draws people naturally to it. But then, like you said, you get

there and then you start to learn about the history of money and the sinister nature of

inflation and how fiat currencies fund the war machine. I mean, all these conflicts around the

world. Can you imagine if governments had to go to their citizens and say, guys,

it's in a national security interest for us to go to war in the Middle East or wherever

it might be. We need you all to chip in for this war effort. Do you think people would vote for war?

Absolutely not. You think we're not gonna pay for it? It's not our war. Exactly. And so these wars,

these forever wars, as they call them, it's all tied to the military industrial

complex, fiat currencies, you know. And so then, of course, what they do is they print more money

exactly. To fund the wars, which does what drives inflation. And so It's pretty depressing,

actually, isn't it, when you think about it, because you start to realise that the only way out of

this is to protect yourself, because nobody's going to do it for you. Yeah, I mean, that's the

catch phrase I always use is the government particularly is is not going to save you. And a

lot of people in Australia think that, oh, we have a social network or a welfare system. And so I can

always fall back on that. That's actually the trap. You do not want to be falling back and taking

money from the government, because then it squashes everything. Basically, you're sort of

relying on that forever in a day. I want to just share something with you because you touched on

this on property. I did some numbers just a couple of days ago on if you bought property in Sydney

in 2015 compared to someone who bought bitcoin in 2015. So someone buys

$850,000 property in Sydney, they put down 100. Yeah. Was an apartment. Yeah. Right. Yeah. They put

down $100,000. Yeah. In that time, the property actually only 1.5 decks, but let's just say

it doubled. We're now talking 1.6 1.7 million. The same person, though, who was told they're an

idiot for doing so, put $100,000 into Bitcoin. They were able to obtain it. I think it was

250 Bitcoin. Wow. Which today the property is now worth let's say

best case even if we're generous 2 million. The Bitcoin is now 40 million. Isn't that astonishing.

Is this madness. Yeah. And I share a similar example. Not on that scale, but, um,

you know, I often run webinars and I, and I share this real life example. You know, my wife and I, we

bought a piece of land, uh, in North Palm Beach, right near the creek and the beach, kind

of in the middle. Great spot. Quite a sizeable block of land for the area. And in

2020 2nd October, we paid 1.5 million for that now. It's got a couple of

old homes on it that were built in the 70s, which we're tidying up and renovating at the moment. But

the thing is that that block of land today, with those couple of old homes on it, if we were going

to go and sell them, be worth about 2 million bucks at today. So we think, okay, life's

good value. It's gone up by what's that about 30%, 500,000 in 3 three and a half

years. Property's doing what it's meant to do. Probably performed a little bit better than the

average. We feel good. We feel like we made a good decision. Then you start pricing it in Bitcoin

O and you realise that the reality that the actual price of that that home,

you know, I think at the time had we put that 1.5 into Bitcoin rather than into the block of land,

we could have bought somewhere around 35 to 40 Bitcoin at the time, something like that. Um, today,

that $2 million in Aussie dollars. What's that about 15 Bitcoin? Something like that. So

when you price that house in hard money, the hardest form of money

we've ever seen, which is what Bitcoin ultimately is hard cap ultimate scarcity. You see the truth.

The price of that house in the last three and a half years has gone down by about

70%. Even though it's gone up in dollars, it's astonishing 30 odd per cent in real terms in, in,

in, uh, hard money terms, the hardest form of money Bitcoin. It's dropped by about 70%. And

so there are people now starting to have this light bulb moment. Right. Who are in

real estate, who I talk to I had just before Christmas I had a property developer. Gold coast

property developer does a couple hundred million a year in in in project sales.

Um, he has reached the point now where he can see all of the pitfalls in the

system with property out of control regulations, just the cost of labour

there needing to just squeeze more and more juice out of the lemon for every single project. And

he's saying this is not sustainable, right. And so people like that, they're starting to realise what

I want is digital real estate. Yeah. This conventional real estate thing, it's not fun

anymore, you know. So the next thing to Zane is I've got a member who's in in the crypto

collective, and I was talking to him recently. He's got properties to the value of half $1

billion. We're talking 500 million. He's got developments all over Australia, right. And he said

to me, the biggest mistake that he's made was not allocating to Bitcoin and he knew about Bitcoin.

Now he actually went down the altcoin route. Yeah okay. This is sort of pre 2020. Yeah they're

probably done okay. But in hindsight it's like no Bitcoin actually was the asset I should have been

buying. So now what he's actually going to do is start selling off these large scale developments.

Bring down his portfolio not just to allocate to the best asset, but also because it's portable.

He's realising that he's actually created this trap in Australia, where he actually is at an age

now where he's like, I want to actually move out of Australia, I want to take my wealth with me. But

the properties are now holding him back and is happening to make a full shift. And this is the

problem with property. You can't move it. Hey guys, just quickly, this episode is brought to you by

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to the episode. And this is the problem with property. You can't move it. So it's really a

sitting duck asset, isn't it, man? Like you know people again in certain parts of this

country because some are worse than others. their land tax and their rights and things are like.

They're just getting out of control. Doubling and tripling every couple of years. And people are

saying, well, I might be asset rich on paper, but it doesn't mean I can go and afford to pay

three times the rates that I was paying a year or two ago. Hmm. It gets worse than that. You know, it's

like you touched. Yeah. You touched on the unrealised capital gains tax. Now Victoria now has

a state tax. Right. The Socialist Republic of Victoria, they're now got this windfall

tax. Have you heard about this? It's where they've rezoned a parcel of land. The value on paper

is increased. The government then says, we want to tax you now on the increase on of just the

imaginary increase. Right. So they zone it from residential to commercial. It's now sort of worth

more money on paper. But you might have just been holding this property. You might not have the

money sitting in your bank to just go home. Now pay this tax. And we're talking it could be in the

vicinity of 5000 thousand dollars in tax that you're now supposed to just come up with. Yeah. Now,

what they've said is that's okay. If you can't afford to pay. What we'll do is we'll just defer

it, but we'll charge you in the interest rate. Right. It's going to compounding interest rate on

top of your tax bill until one day in the future. You have the time, effort and money to actually

sell the property. This is the other problem is properties are going to be taxed to glory. Yeah.

And I dare say if this is something that the government is now thinking or doing now in

Victoria, who's to say New South Wales or really any other state. And then from a federal, federal

level, they've already floated the idea of unrealised capital gains tax on people's

retirement savings, of all things. And this is what I think is the big scary thing in Australia is if

they're thinking about it now, there's no stop to where they could potentially push it out. Even in

the Netherlands, I just read this morning saying that they are now bringing in. I think it's in 28

unrealised capital gains tax. And I think it's on all properties, not the

family home I think. So, yeah, it's an unrealised couple gains tax y because they've got this

immigration problem. They've opened the borders. All these people are flooding in and they're all

on welfare. And anyone who's got any sense about them is getting the f out of these countries and

moving to places that treat them better. Yeah. From a financial perspective, what do you think's going

to happen in Austria, though? Do you think we're actually on a, on a, on a way of it's going to get

worse for people. Or do you think it's going to get better? Do you think there's going to be a

government change and things will improve? Listen, I wish, I wish and I don't want to get political

on your show, Matt. I'm always political but but you know go Pauline. But but and and she's

now and just to me touch on this in case people don't know her. Polling is through the roof now

she's overtaking the coalition. She's taking votes from Labour. the coalition into One Nation. And why

do you think that's so? Because she cares about the country. That's what I think. I just think that

she's she's a voice that stands up for Australia. And all of this that's going on right now is not

putting Australia first. And so, you know, I just. Is there something else to it Matt. Well do you think.

Do you think Pauline could even win. And if you and if she did win, do you think things would

change? She says all the right things and. But I don't have the answer. All I

know is, is that if I look at what's available to us right now on the table in terms

of who do we want to lead this country? Have you got a better option? Well

you're right. Yeah. Matt for PM. Hey, look, it's been said before. You know, it could be I wouldn't

actually want to do that job. Um, but of course, I do care about this country. And I'd love to see

things improve. You have touched on politics, and I can't help but bring it in because we just had

yesterday the new hate speech laws that have now passed and and some of the things that they're

now talking about is if you it's obviously incite violence and things like that were already there.

But it's actually if you were to bring in something about speech where you break up the

social cohesion, you know, these types of very vague statements. And I wonder if even coming out

and saying things like that, you and I say, which is the monetary system is broken. The government's

against you. You can't get ahead of the Atos basically legalised theft, right? If you say things

like that, I wonder if we could be getting like they do in the UK over certain things. They get a

knock at the door. What do you think? Could this be a problem for a people like us? I think anything's

possible in this day and age, Matt. And, you know, I mean, what do we see with the social media thing?

Just came in with the kids banning under 16? No. And with anything like that, it's always just the

tip of the iceberg with where it all leads. And so, you know, I hope we don't go

down that path. Um, I mean, like you, I'm exploring all sorts of options

for myself and my family on the basis that, you know, if Australia becomes untenable as a place to

live, um, then you've got to look at other options. You know, I mean, and would you, would you mind

saying sharing? Because, I mean, people would love to know. I share my thoughts about perhaps getting

a plan B passport to, um, Dubai or UAE. That's something I'm actually currently doing. Yeah. What

are you thinking about? As are the countries that stand out to you more because this is a big topic

for people. They love it. They want to know, what are you thinking? Yeah. I mean, you know, I think the

difficult part being in Australia is so far away. And if you have a family and I just became a

grandfather in the last, you know, a few weeks, I think he was a month old yesterday. But, you know,

it's very difficult To realistically pack up your stuff, right?

Even if your wife agrees to go with you. Right. And to just leave your kids and, you know, your

family and elderly parents and all of those kinds of things. So you have to be rational about your

decisions. But at the same time, sometimes you've got to do whatever you need to do to kind

of save the fortress, so to speak. Okay. And I know there's people that I know, um, who have made that

decision, and it hasn't been easy on the family because the families had to split as a result of

that. And I'm not suggesting that that's a good idea. I'm just saying that if push comes to shove

and you've got that option and it's in order to, you know, save the

family financially and in other ways, uh, it's something just to be considered. And so, look, you

know, Thailand, obviously Dubai. Um, you know, Panama, Portugal. I'm

not a big fan of the EU. Um, you know, I see some some problems coming down the pike for

Europe, so I'm not setting a lot of control from a crypto perspective. There is a school of thought

that Central America is going to be the next hub. It's going to be the new Singapore. Um, in talking

about Panama. Yeah. Places like that. Yeah. El Salvador, El Salvador. Um, so,

look, that's kind of what I think a good options to to explore. I mean, you've got to look at,

um, I mean, some of the disparity between what it costs to get these things set up are quite broad.

You know, if you consider, um, you know, what it costs to get a in some of them, you won't get

residents. Sorry. You'll get residency, but you'll never be a citizen. You'll never be a citizen.

You'll never get a passport. So there's, there's all these sort of little intricacies you've got

to got to look at. Yeah. It's not straightforward. No. I actually engaged myself with. Yeah. With an

expert. Right. Who look after this across the globe. And I've used their services to help me navigate

through all the complexities, including things like, you know, if I move. What sort of schools do

we look at? You know, just things like that. Yeah. And that's right, because you have to take all of

that into account. And so I think there's no straight answer to it other than to say that I

think as time goes on, as Bitcoiners, we're very conscious of the world around us and the

direction it's going and the direction of our country. And we know that bitcoin is kind of opt

out money. Okay. It's a way for us to opt out because, you know, if if we

have a way to separate ourselves from the sinking ship and we've done that, you've then got to ask

yourself, well, if you separate yourself from the sinking ship financially, Is there a point where

you have to do it physically as well? Mhm. You know, um, so yeah, these are natural conversations I

think that come up. It's just interesting because I want to hear what you're thinking about it too,

because I'm thinking certain things and you know. Yeah. No I'm on the same page. But it's again

everything it's very, uh, all consuming if you, if you spend all day on it because there's so

many parts to it that typically involve your personal life. Yeah. You know, that you have to take

into account. And, uh, the last thing you want to do is go and uproot your

family and get yourself into a situation that you think is ideal, only to find out that it's

not ideal. And then you've got to turn everything around. Like, I mean, what I would do though is I

would have an escape plan B, not a plan A. Yeah, well I would have a plan B for the plan B, so if

I moved to Dubai, for example, and live there for two years and I was like, this is shit. I want to

get out of here. Then I would have a plan. Second plan? Yeah. Correct. And that's what quite a number

of people are doing. You know, they're setting themselves up in places like Panama, Dubai,

Singapore. And then they're moving around. You know, they're spending six months of the year in Dubai

when the weather's good. Then when it gets too hot, they're going to other places. Panama. Europe. Even

Bali. You know, a lot of people have a structure in Bali or Singapore. Um, but they actually, sorry,

in Dubai or Singapore, but they actually live in Bali. More and more, more and more Aussies are

starting to do that. So, you know, and I think because of where we're located.

Um, being just one flight away, if you've got to come home to visit family or whatever, I think

that's very appealing. Whereas if you're going to somewhere like Portugal or Panama or, you know,

there's like ten flights, isn't it? Yeah. It's just a little bit more of a of an ordeal. It's just

it's quite comforting to know. Look, I can jump on a plane. I can be back in 12 hours or whatever.

Yeah. Mhm. Yeah. You're done. Let me bring it back to Bitcoin. One of the things I love about your

podcast when I watch you on social media is you say, just go back up the truck. Right. This is what

I love. I don't know if you know, you say that, but you say, let's get back up the truck. What do you

mean by back up the truck for people who are listening? And when is the good time to back up

the truck? Well, I mean, I typically refer to backing up the truck when, uh, when we've got these

dips going on, Matt, where we've got this sideways movement or these retracement, which is just

essentially an opportunity for us to stack more SATs, you know. Um, and so that's really what I mean,

just to understand that when, when we have a pullback in Bitcoin's price, it's not a reason to

to panic. It's a reason to be grateful that Bitcoin is on

sale. You know, like if your favourite pair of jeans is on sale at David Jones or your

favourite boutique store, and you can save 100 bucks on your favourite pair of jeans, you're

going to back up the truck to the jeans, you're going to go and buy a few pairs. Yeah. And so it's

just having that that mindset around it. Um, so yeah, I think recently, you know, what do we have.

Bitcoin in Aussie dollars got up to at 180 something like that. This is like yeah yeah

180,000. It might be even close to 190. Yeah it's pretty high. And now sitting back around 135 and

40, something like that. So there was a bit of FOMO around there. And there are people who, you know, I

was consulting with who, uh, were saying to themselves, gee, I'm waiting for a property to

settle or I'm waiting for my super to roll over. How long is this going to take? You know, Bitcoin,

by the time I get to it, it's going to be sitting at 250,000 AUD. Oh, no. You know, but it's actually

worked out well for them. Right. Because we've actually seen a retracement. And the thing I want

people to understand, Matt, is that if you look at Bitcoin's historical, uh, price and the

cycles, the four year cycles, these 2,530% pullbacks, they're normal. They're par for the

course. You know it's it's it's just I mean when I first started buying bitcoin after my first

acquisition, about 2 to 3 weeks later the price fell by about 25,

28%. But because I've done some work on Bitcoin, I'd read the Bitcoin standard. I was subscribed to

a newsletter out of Melbourne. It was all about understanding, you know, the white paper and the

fundamentals of Bitcoin. I didn't panic, you didn't freak out. I just saw it as you know what. Wow. Lean

in a bit more. Let's put more in here because I wasn't in Bitcoin for one month, one year,

not even five years. The reason I was coming to Bitcoin was just forever. Yeah, for where I was

going to be in, well, at least a decade, probably 20 years. And and so just that mindset. And this is

why I spent a lot of time in my in my coaching and my community. Our first

module is all about psychology, right. Not selling on the first FUD announcement. Yeah. Just

understanding the fundamentals of what Bitcoin is. Because when you get that, you

don't really care too much about what the price is day to day. And any day is a good day in

Bitcoin. If it's up you feel good. If it's down. Who cares. Go and play golf. Go for a surf. Go. Go

to the gym. Go and hug your kids. You know what I mean? It's a good day. Just. You've got a bit of

spare cash lying around. and you've got this opportunity that we've got now to go and

buy another, I don't know, 500, 5000, 50,000 bucks worth of Bitcoin. Let's do it. Do it. Just do it

because you're going to look back at this time five years from now. And you're going to go Holy

shit. Well, just like the guy did, that was a bargain. Who bought the Bitcoin instead of the

property? Right. He's bought the Bitcoin and sold the property in Sydney. Now he's looking back ten

years later and thinking 11 years later, I think that was a good decision. Yeah, yeah. Um, as we wrap

it up, Zane, I want to just find out because I ask everybody, what are some of the strategies that

you employ yourself as far as Bitcoin? Uh, stacking is it? Yeah. Do you sell

properties. Do you use, you know, DCA strategies? Yeah. Look, these days my main strategy is my,

my golden rule is end the month with more SATs than I began the month with. No matter what number

that is, no matter what number. So if it's two grand, It's two grand. If it's ten grand. It's ten

grand. If it's 20. It's 20. You know, if I, you know, got our own business and

different, um, uh, sort of lump sums come in from time to time. And if I'm in a

position where I can go and deploy ten grand, I'll just. I'll just buy ten grands worth of Bitcoin,

you know? So, so for me, it's just about being really consistent on, on a, on a

whatever level you feel comfortable with. Doesn't need to be a hard and fast rule. When I first

started in Bitcoin, it was really important to me that I set a target and that I reached that

that target. Um, okay. And what you find is that when you get there,

which you invariably will if you focus on it, anything you want in life, if you want it and you

see it there and you go after it, you'll get it. Guess what? You want more. And then if you start,

if you get that initial stack target and then you just deploy that, um, consistent, uh, attitude

of every month, I just want to end the month with more sets than I began the month with at any

level. You just find that that your cost base over time, it just smooths itself out

and you just you're just stacking, you're being future focussed. You're just building for the

future. Um, so, yeah, it's, uh, it's not it's not a highly scientific approach. It's just, uh, it's

just what has worked for me originally. Um, when we first got into Bitcoin, it was all about rotating

capital out of real estate. And so is that what you did? That's what I did. But these days it's

just. Yeah. So you got basically a big stack. In the beginning you offloaded some of the bigger assets

and now it's just a cash flow acquisition. Yeah. And superannuation wasn't an option for us for

Bitcoin because, um, you know we bought a factory okay. Which we leased back to our to our other

other business. Um, and so that was set up several years ago, you know. And so

all of the, um, income that comes into the SMSF goes to body corporate.

The expenses, expenses associated with maintaining, uh, the factory. So, um, you know, for me,

even though I'm a great fan of people putting, uh, Bitcoin into their SMSF

because for many people it's like like we said earlier, it's a low hanging fruit opportunity. Uh,

it's not something I did because I chose to to acquire Bitcoin outside of super. Yeah. Because

it's obviously not just one way. Right. There's many ways to buy Bitcoin. One just happens to be

SMSF because most people probably don't have an existing property tied up in their with their

business. So that would be sort of probably a bit harder to unravel. But they've got funds elsewhere,

which is what you're talking about through their cash flow of their business and things like that.

Yeah. And I want I want the listeners to, Matt, who are listening to this to to know that, you know, if

you don't have a piece of real estate or you don't have much in super or you don't have

anything that you think is meaningful to put into Bitcoin,

just dig a bit deeper in terms of your mindset around this, because, you know, like my kids, as an

example, right now, most people listening to this, they're probably going to be older than my kids,

but my kids are in their in their mid 20s and a little bit older. I've said

to them, forget trying to save your way to home ownership. Mhm. The great Australian dream is a

nightmare now. Okay. You won't get there for all sorts of reasons.

Instead get yourself to 0.1 Bitcoin 10% of a Bitcoin. Make that the goal.

Okay. And I'll hold your hand I'll guide you I'll help you a little bit along the way, but you guys

have to allocate so much per week, fortnight, month, whatever you can manage

while you still can before you've got a family and all of these ridiculous expenses that make it

virtually impossible. You don't have any surplus savings anymore. Do it well. You can put it into

self custody, right? Let your kids go and sign up for these 5%. You're not your kids. Your friends. Go

and sign up for these 5% mortgage deposits. And these, you know, this scheme that people are going

to have a mortgage for the next 50 years, right? Let them do that. Yes. You guys be more

strategic, be smarter, be more forward thinking about where this is all going. Um, because you're

going to wake up in ten years, 12 years, 15 years in your mid 30s. Guess what? You're going to be

ahead of the game. You're going to have to pay cash for a house if you want to. And that's the

thing it's actually giving people now choice. And I think for a lot of people, it's giving them hope.

And I'm and I'm just looking at you now just thinking, wow, what an amazing guy to have a dad

like that, who's who's educating their children on this. I'm seriously man. I always listen. That's

what they think it's I've got I've got two young girls, right. They think they're like, yeah, I don't

want to talk about bitcoin, but they know the vocab. They know Bitcoin. They know daddy talks

about bitcoin. And so it's going to be completely natural and normal to them as they get older. I've

actually got a little separate account for them anyway I'm stacking for them. They don't control

the I control it you know they're six and 11 but it's going to be second nature to them. Yeah I

think so. Just to finalise that point Matt sorry to cut you off, but I just want people to

understand that any level is a good level. Okay. If you can if you can afford to start

with a thousand bucks as a, as a down payment or as an original allocation and then put

100 bucks a month in, do that because it's the discipline. It's the participation in the

future of money. Yeah. Right now you might think that it's immaterial, but it's not. There's 21

million Bitcoin to go around is 8.5 billion people on earth. People are going to want a place

to store their economic energy. That can't be debased. Bitcoin is the only place you're going to

be able to do it. And with AI coming right, and this infinite efficiency which AI is going to

drive corporations, they're going to drive the cost of human capital to zero. That's what AI is

going to do. There's so many people who are completely oblivious to the fact that their

career and their profession and that that they've studied for it may well be obsolete. Yeah, right.

And so in that environment, you better make sure that you're protecting yourself with

absolute scarcity in terms of your money, because inflation is not going to go away if you've got

infinite efficiency driving the cost of human capital to zero people's jobs being

displaced. Yeah. And inflation. And you're not participating either in AI. So you're not on the

right side of AI. You're on the wrong side of AI, and you're also on the wrong side of how you're

saving your money. Future's not bright. I know, but I think, I mean,

the AI thing is a whole nother rabbit hole, too, isn't it, Zane? Um, for all the reasons you just

mentioned, fundamentally, your message is people should stack Bitcoin at whatever value they can

today and do it consistently into the future. Um, I think the risk for people right now is having

zero exposure. That is the risk. Yeah, yeah. Zane, as we wrap this up, please tell us I'm going to leave

some show notes, but tell us just quickly again what you do and how people can find you. The best

way to find me is on my YouTube channel. I kicked off about less than 12 months ago, and, uh, it's

kind of been a bit of a labour of love, but I've, I've, I've got I've certainly loved it. I've got a

I've got an incredible engaged community. Um, also offer one on one coaching calls. So people who are

looking to, uh, get set up with a bitcoin friendly retirement plan, people wanting to learn more

about self custody and the different strategies around that, uh, mindset. You know, just getting

started in Bitcoin in the right way and not making mistakes. That's what the one on one calls

are all about. Um, if you go to my page, which you'll find on my YouTube channel, you'll just see

a plethora of heartfelt reviews. Matt. Yeah, from from people who have had sessions with me. And

I just get blown away all the time because people go saying that was just so clarifying for me. I

didn't realise that it was that simple. So pretty much that. And then I've got a private mentorship

group, which typically is for people who just want to stay in touch and be a part of a community of

like minded people, very similar to what you do. Matt. I mean, it's I think Bitcoin is one of these

things that is very difficult to do on your own. And so the more you can be around like minded

people and connected with with mentors and people who will support you and um, yeah, it's a pretty

powerful thing. So yeah, it's amazing. I love what you're doing, Zane. And I love your John Deere hats

as well. Thank you for representing the John Dees. I have a John Deere mower myself, so it's awesome.

So thank you so much for coming in. Look forward to catching up with you in the future. Really

appreciate it Matt. Enjoyed it immensely. Hey, thanks for tuning in to 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

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