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Lesson · Alt assets · investing

Crypto, without the hype or the fear.

A grounded take on where crypto fits — position sizing, risk, and how holding it inside the right account changes the tax outcome.

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50%+
Peak-to-trough drawdowns Bitcoin has lived through more than once

CUSTODY BASICS

HOT WALLET VS COLD WALLET

Lives on your phoneOffline hardware device
Swaps, DeFi, paymentsLong-term storage
Small spending balanceCore holdings
Always connectedSigns while offline

Key points

STAKING AND STABLECOINS

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Staking lends to a pool
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Unstaking can take 2 weeks
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USDC tracks the dollar
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Rates float daily
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Platform risk is real
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Not FDIC insured

How it works

TAX-FREE CRYPTO SETUP

1
Open a self-directed IRARoth, traditional, SEP, or SIMPLE
2
Fund the account with cashContribution or a rollover
3
Trade inside the IRAA custodian holds the assets

PICK THE RIGHT BUCKET

IRA CRYPTO VS TAXABLE CRYPTO

Qualified growth untaxedGains taxed when you sell
Access at 59 and a halfAccess any time
Custodian holds the keysYou can self-custody
No borrowing against itBorrowing is possible

WORKED EXAMPLE

BORROW INSTEAD OF SELLING

Bitcoin posted$100,000
Cash borrowed$40,000
Variable rate 4.6%About $1,840 a year
If Bitcoin fallsCollateral can be sold

Free download

The Crypto for Investors field guide — one page

The strategy, the checklist, the key numbers, and links to the actual tax code. Print it, take it to your CPA. Free, no strings.

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Field guide · PDF

Crypto for Investors

Cliff notes + checklist + the law

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