Why Bitcoin?
A special investment report
Bitcoin is on sale. If you don’t own Bitcoin yet, this might be a good time to buy.
One of the main reasons to own hard assets in a fiat monetary system is to stay ahead of inflation. A portion of my portfolio is allocated to Bitcoin and gold (not government bonds) because I know that the real inflation rate is higher than 5%.
On the general importance of investing for the wellbeing of your family, see Catholic Money: A Father Teaches His Son About Family Finances.
Yesterday (February 3, 2026) Bitcoin was selling at $73,000 for a brief period and today it is around $75,000. Bitcoin has not sold this low since November 2024.
Could Bitcoin (BTC) go as low as $25,000 a coin this year? Yes, anything is possible. Never invest more than you can afford to lose. Buying any kind of asset is risky. Putting cash in your bank account is risky. Cash is depreciating in value by about 10% a year (the average rate at which the Federal Reserve is printing U.S. dollars).
I would be surprised, however, if BTC is selling for under $200,000 a coin by 2028.
Bitcoin facts:
· ~500 million people own Bitcoin (BTC) worldwide
· Only 21 million BTC will ever exist (perfect scarcity)
· 19.98 million BTC are currently in existence
· $1.5 trillion is the current value of all Bitcoin (compare to current Gold: $4.7T; Silver: $1.8T; U.S. Treasury bonds: $30T; AAPL: $4T; NVDA: $4.4T)
· BTC’s last high was $124,400 on October 6, 2025. (BTC market high: $2.5T)
· Summary: BTC is too big and too diversified to fail at this point.
Why BTC is as good as gold, if not better (and is gradually replacing a good portion of the gold market as well as the reserve currency and government bond market):
· BTC cannot be controlled by central governments or the deep state.
· It is the perfect scarce resource; there will never be more than 21 million coins.
· BTC cannot be stollen (your password can be stollen, but BTC can’t be hacked).
· BTC does not need to be stored in an expensive vault with guards.
· BTC does not cost anything to transport (you just need your password).
· BTC is a very efficient store of energy (it takes a lot of electricity to produce but can be transferred across the world for a fractional cost.)
Where can I buy Bitcoin today?
· River.com (also a good source of general information about BTC)
· Your brokerage account (my brokerage allows me to buy BTC through a crypto account or I can buy BTC ETFs in my regular accounts, e.g. ticker: IBIT or FBTC)
How much of my investment capital should I allocate to Bitcoin?
You should own as much BTC as you are comfortable losing. Every asset, including gold, can depreciate very rapidly overnight, enough to make your head spin. Gold dropped 10% in two days last week and now it is back above $5000 an ounce. Bitcoin should be a long-term investment. Don’t buy it if you plan on selling in the next 4 years.
In general, I put bonds, gold, silver, mining, and Bitcoin in the same category. These are raw assets that hedge against inflation. Combined, I recommend allocating less than 50% of your portfolio to these kinds of assets – and as little as 5% in some cases.
You want most of your portfolio to be made up of productive assets, e.g. businesses (including stock shares) and real estate.
Dollar Cost Averaging
It might be a good idea to break up the amount you would like to invest in BTC into 4 portions and invest it once a week for the next four weeks. The market is very volatile right now. It will either go up or down; no one knows. Dollar cost averaging allows you to get in at various prices, mitigating your risk.
Final Note: As long as a few powerful people control the world’s money supply, the economy will always be structured in favor of those few who have the power. Owning decentralized assets like gold, silver, and Bitcoin is a way to protect your family against currency manipulations, like inflationary QE, and other oligarchical shenanigans. Gold and silver are doing very well right now for this reason, but they are overpriced. Bitcoin is on sale and a good long-term play. HODL