The success stories are always inspiring. I’ve had clients who tightened up their spending, saved diligently, and were able to comfortably retire early, start businesses, or pivot into new careers. One client, for example, was deeply unhappy with his work environment and long commute. Together, we created a plan that allowed him to transition to part-time remote work while still meeting all of his family's financial needs.

The difficult stories, however, are heartbreaking. The most common mistake I see is people locking themselves into high fixed expenses, believing their income will always remain stable—only to lose a job or feel trapped in a career they despise just to keep up with their bills. I always advise against overcommitting financially, but at the end of the day, clients must make their own choices. My role is to provide the guidance, information, and tools to help them make better ones.

What's the answer to the most common question you get about taxes? :)

There is no second best.

Yes. Very rare.

haha Feel free to schedule if you need financial advice :)

wife

In the past, my main focus was helping clients achieve what they wanted. While I still work toward their goals, experience has taught me that "getting what we want" isn't always what's best for us. Today, my approach is centered on helping clients build a more meaningful and fulfilling life.

Additionally, I’ve shifted away from emphasizing traditional diversified stock and bond allocations, and instead focus more on balancing currency versus investment allocations. I still focus heavily on what is known as "asset liability matching" for my clients, meaning we match short term expenses with short term assets and long term expenses with long term assets, but we have bitcoin in our tool belt now, rather than being confined to traditional assets.

No

My perspective on the long term extends beyond the typical timeframe. I believe Bitcoiners should avoid making decisions based on short-term cycles over the next four years. Bitcoin is long-term money and should be approached with a mindset of holding for at least 10 years or more.

Additionally, I’ve observed that many Bitcoiners assume higher-than-average withdrawal rates for retirement, often prioritizing early retirement over long-term security. My approach is far more conservative, emphasizing sustainability and ultimately multi-generational wealth. Create a legacy, don't die with zero.

Great question!

I dont know much about the product, my understanding was that they were going to issue a 1099-DA in 2025 for anything sold.

My other understanding of the IRS rule was that the accountants could make the final decision on what lots were sold after the fact, since the rule hasnt been fully solidified

Rabbi Dr. Dovid Gottleib

First, Bitcoin is not a compounding asset — and while that might seem obvious, seeing its impact play out in real financial plans fundamentally changed how I approach long-term strategies.

Second is what I’ve learned about the people I work with. Every single client I have is truly incredible. The Bitcoin community attracts some of the best and brightest, and I feel blessed to work with people who are not only extraordinary in their thinking but extraordinary in character. Honestly, I don’t have any bad clients, and that still amazes me!

Storing bitcoin securely is a significant challenge for most people. One of the worst-case scenarios is buying bitcoin, watching its value grow, and then losing it due to user error. Many aspects of the traditional financial system—such as wiring funds, choosing a bank, writing checks, or using services like Zelle—are already intimidating for the average person. The concept of self-custody feels even more foreign, leading many to avoid it altogether. I believe this is an area that will see major improvements over time, ultimately becoming far more accessible and user-friendly.

I think the volatility is still a major question for a lot of folks. They may want to own it but given how much the price bounces around they dont think it is for them. That said, this is easily solved by what is known as "position size". A person can allocate a smaller amount if they dont feel comfortable with a lot of volatility in their savings. In addition, focusing on bitcoin as being long term money instead of "get rich quickly" helps weather short term storms in pricing.

Yes. But I don't have a crystal ball!

The less the fiat system is trusted, the more people will opt out, the more business will accept bitcoin, and the more likely it will be used as MoE.

It’s not about speculating — it’s about protecting GameStop's balance sheet until they deploy capital into higher-IRR opportunities. They currently have excess cash sitting idle, losing value to inflation and earning minimal returns. Instead of waiting for the "perfect" project, GameStop can treat Bitcoin as strategic long-term savings. Bitcoin is scarce, decentralized, and a superior store of value compared to cash or bonds. By allocating a portion of their treasury into Bitcoin, they maintain liquidity while positioning for asymmetric upside and while waiting for an opportunity relative to their business goals.

Depends on the nocoiner! Are they a nocoiner who is willing to listen to your opinion? If so, asking them lots of questions in a nonjudgmental was is going to be a great place to start so that you can find out what is important to them and what is holding them back from understanding bitcoin and getting involved.

If they dont have an open mind, dont bother.