Happy 2026 Friends!

I hope it's a brilliant year and that it brings much success and prosperity for you, whatever shape that may come in.

In today's episode, I share 9 Lessons that I've learnt in Bitcoin. Almost none are truly original but I think they remain relevant now as much as ever. If there's any I have missed, I'd love to hear it!

Also, some gentle shilling from my side....if you don't know, I've written a book! - No Tenants, No Troubles: The Case for Digital Over Real Estate. Available for purchase on Amazon NOW:

⁠https://www.dalewarburton.com/book⁠

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

And also, here's my npub - get going on Nostr, it's a game-changer. npub1r94hh3kt6re3j5jv7yg8rw0ah5fg90vw9pjklxzknvhdkx0famfsn0njzt

It's that magical time of the year when we get together with Daz, Brendo and Hats and talk about the year that's been.

CAUTION: Brendo's sound was weak AF and we apologise for that! Also, I dropped numerous F-bombs and even a cheeky C-word for the eagle-eared listener. Just a heads up in case you wanted to share this one with the kids.

This one was a particularly sombre one, not just because the price action was appalling, but perhaps more so, that we've grown up.

In this episode we touched on:

- price action

- working in Bitcoin

- is crypto dead?

- treasury companies

- what we learnt over the past year

Special thanks to my returning guests, give them a follow:

@DazBea

@BitcoinBrendo

@StackingHats

Also, some gentle shilling from my side:

If you don't know, I've written a book! - No Tenants, No Troubles: The Case for Digital Over Real Estate. Available for purchase on Amazon NOW:

https://www.dalewarburton.com/book

Need a hand with self-custody?

Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

And also, here's my npub - get going on Nostr, it's a game-changer. npub1r94hh3kt6re3j5jv7yg8rw0ah5fg90vw9pjklxzknvhdkx0famfsn0njzt

You’ve probably been wondering, where the hell have I been? Well, I’ve been pouring my heart and soul into something big—a book called No Tenants, No Troubles: The Case for Digital Over Real Estate.

Available for purchase on Amazon NOW:

https://www.amazon.com.au/No-Tenants-Troubles-Digital-Estate-ebook/dp/B0FRZKFQB5/ref=sr_1_1

Drawing from my professional and academic expertise, this book dives deep into the hidden risks and flaws of investment properties—distinct from the homes you live in. Once you grasp the power of Bitcoin, the argument for sinking your money into real estate starts to crumble. I’m breaking down why property prices have skyrocketed and, more importantly, revealing a smarter way to save and invest for the future.

Also, I'm putting some good vibes out there into the universe - I'm looking for a co-host, a dance partner and I'm open to suggestions!

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order. And also, here's my npub - get going on Nostr, it's a game-changer. npub1r94hh3kt6re3j5jv7yg8rw0ah5fg90vw9pjklxzknvhdkx0famfsn0njzt

Many young people today feel disheartened by the soaring cost of home ownership, a stark contrast to the more affordable markets of past decades.

With median home prices in many countries far outpacing wage growth, the dream of owning a home feels increasingly out of reach, leaving many trapped in a cycle of renting and financial strain. For example, in the U.S., the median home price in 1980 was about 2.5 times the median household income, while today it’s closer to 5 times, squeezing young buyers out.

To address this, my Bitcoin Savings Calculator (https://whybitcoinshow.com/bitcoinsavingscalculator/) offers a hopeful strategy. By allocating a portion of income to Bitcoin, which has historically appreciated significantly, young people can potentially grow their savings faster than traditional methods. The calculator projects how regular Bitcoin investments could compound over time, providing a larger down payment or even full home purchase funds, offering a practical path to overcome the affordability barrier and regain control of their financial future.

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

In this episode, I explore how much Bitcoin you need to retire, using my new Bitcoin Retirement Calculator to break down conservative and realistic figures for your desired retirement lifestyle. I also address the claim from many influencers that 0.1 BTC is enough to retire—examining how true this is and the assumptions behind it.

Work out what you need to retire - Bitcoin Retirement Calculator

If you find this tool valuable, I'd be grateful if you sent me through some sats, ideally alongside an offensive comment or joke - dale21m@walletofsatoshi.com

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

In this thought-provoking episode, I dive into the heart of Bitcoin’s ethos: freedom. Bitcoin’s decentralized, open protocol empowers individuals to take control of their financial destiny, free from centralized gatekeepers. But with great freedom comes a paradox—people will use this open system to create products and services we might not always like, from Bitcoin custodians to NFTs and the latest wave of Bitcoin Treasury Companies. How should we navigate this tension?

I explore the philosophical and practical implications of Bitcoin’s permissionless nature, asking: Is true freedom about embracing even the developments we disagree with? Join us as we unpack the trade-offs, examine the role of custodians, the frenzy around NFTs, and the rise of Bitcoin Treasury Companies, and discuss how to think critically about Bitcoin’s evolving ecosystem while staying true to its liberating core.

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

In this episode, I explore the financial decision of buying a home versus renting and investing the equivalent home deposit in Bitcoin, based on Australian housing and rental data as of May 31, 2025.

The analysis assumes a 20% deposit for a median-priced home in Australia’s capital cities ($1,025,742), equating to $205,148.40, with the alternative being renting and investing that deposit in Bitcoin.

Core Assumptions:

• Housing Market: Median house price in capital cities is $1,025,742 (Cotality, May 2025), with a 5% annual home price growth rate and a 5.5% mortgage interest rate.
• Rental Market: Median weekly rents vary (e.g., Sydney: $775/house, Melbourne: $580/house, Brisbane: $625/house, based on 2024–2025 data). Rent is paid without dipping into savings.
• Bitcoin Investment: The $205,148.40 deposit is invested in Bitcoin with assumed compound annual growth rates (CAGR) of 30% (conservative) or 40% (optimistic).
• Time Horizons: 5 and 10 years.
• Costs: Homeownership includes purchase and maintenance costs, reducing net capital value.

Comparison:

• 5 Years:
• • Buying: Net capital value $913,122.03 property equity after costs.
  • Renting + Bitcoin: $934,246.74 gains minus rent.
  • Difference: Renting + Bitcoin outperforms by ~$21,124.71 assuming Bitcoin achieves 40% CAGR.
• 10 Years:
• • Buying: Net capital value $947,668.53
  • Renting + Bitcoin: $5,596,364.28

• • Difference: Renting + Bitcoin outperforms by ~$4,648,695.75, driven by Bitcoin’s high CAGR.

Key Takeaways: Renting and investing in Bitcoin could yield higher returns than homeownership, especially over 10 years, if Bitcoin achieves a 30–40% CAGR. However, Bitcoin’s volatility contrasts with the stability of property, and the decision depends on risk tolerance, market conditions, and lifestyle preferences. The episode highlights the potential for significant wealth creation through Bitcoin but cautions against ignoring housing’s tangible benefits.

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.

This is a solo episode all about Division 296 of the Income Tax Act, 1997. Boring!

Not quite, it's an amendment impacting the treatment of superannuation balances over $3m. In an unprecedented move, the Australian Tax Office will be demanding 15% of the unrealised gains above $3m.

In this episode I outline what the law is all about, it's status, the purported reasons for it, some (many) criticisms and how to get around it...legally.

Need a hand with self-custody? Book a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠session ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠with me to get your Bitcoin security house in order.