Skip to content
Sign in
Artwork for The Honest Money Show
TechnologyEducationExplicit

The Honest Money Show

Anja Dragovic

The Honest Money Show is your guide to understanding what money really is, and where Bitcoin fits in. Hosted by Anja Dragovic, Australia's female-led, Bitcoin-only podcast, it cuts through the noise to explore how money shapes our lives, why the current system leaves so many people behind, and what a clearer, fairer future could look like.

Expect honest, accessible conversations with some of the most interesting thinkers in the space, the kind that take you from "I don't really get this" to genuinely curious. No hype, no pressure, just money, made clear.

Whether you're brand new to these questions or already deep in them, you're welcome here.

Play
Open in
  • 31 episodes
  • weekly
  • Avg 1 hr
  • English

Episodes 31

NewestOldestLongest
All20Unplayed20In progress0Played0
Counted on this page — what you have heard stays on this device, so it is not something the list can be paged by.
  • #65
    Tuesday · 58 min

    Why Bitcoin Becoming a 'Boring' Asset is the Ultimate Bull Case

    A month before the bottom of the Bitcoin bear market, Anja texted James Check “I’m scared.” James, also known as Checkmatey, onchain analyst at Checkonchain, returns to Honest Money to explain what he told her, how market sentiment has shifted since 2018, and why the pet rock now has a 10 year forecast. James explains the three phases of a bear market, why treasury companies took the blow off top instead of Bitcoin, the reality of the four year cycle, and how he sees the path to $100K and beyond. Anja shares what she learned from her first bear market. 🎙️ EPISODE SUMMARY Anja and James look back on the Bitcoin bear market, from the November sell off to the $58K bottom, and the investor behaviour that shows up in each phase. James explains why he prefers steady accumulation over trying to time the bottom, and how he chooses between Bitcoin, gold and cash as a store of value depending on his time horizon. The conversation then turns to the treasury company boom and bust, record selling from long term holders, altcoins and tokenisation, whether the four year cycle is real, and why James sees institutional normalisation as the most bullish thing for Bitcoin as a long term asset. 🔑 KEY TAKEAWAYS James describes a bear market as a phase shift, a price capitulation, then a long period of time pain James says the bottom is a six to seven month process, not a single price James sees Bitcoin as his longest duration asset and gold as a medium term store of value James says much of the speculative capital last cycle went into treasury company stocks rather than spot Bitcoin James says selling from long term holders in 2024 and 2025 was the largest on record James questions anchoring to a fixed four year cycle based on three data points James expects a phase change once Bitcoin clears $100K James believes Bitcoin becoming a normal, boring asset is bullish ⏱️ CHAPTERS 00:00 Welcome Back James Check 00:50 Anja’s First Bear Market 04:46 James’s First Cycle in 2017 and 2018 06:06 The Three Phases of a Bear Market 10:33 Bear Market Regrets and Muting the Noise 12:55 Why 58K vs 65K Doesn’t Matter Long Term 14:10 The Case for DCA and Learning Markets Through Experience 17:11 Buying the Bottom Is a Process 19:02 Gold vs Bitcoin: The Right Tool for the Job 23:47 Lessons From the Last Cycle 24:48 The Treasury Company Blow Off Top 27:09 OG Selling and the Great Rotation 29:55 Will Treasury Companies Boom Again? 35:18 Why James Stopped Tracking Altcoins 36:44 Tokenisation and Onchain Data for Stocks 39:51 Is the Four Year Cycle Real? 46:13 James’s Roadmap for the Next Few Years 49:03 What Changes Above $100K 50:35 Record Long Term Holder Selling 52:56 Bitcoin Becoming a Normal Asset 55:56 Where to Find James and His New Charting Platform 🔗 FEATURED LINKS Checkonchain: https://checkonchain.com Newsletter: http://newsletter.checkonchain.com James on X: https://x.com/_Checkmatey_ Bitcoin Bush Bash: https://bitcoinbushbash.info/ 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #BitcoinAustralia #OnchainAnalysis #Checkonchain #BitcoinCycle #BearMarket #Gold #SoundMoney #MarketPsychology #HonestMoneyShow

    • Transcript
  • #64
    October 23 · 49 min

    Why Australia’s New Crypto Reporting Bill Is a Red Flag for Your Privacy and Rights

    What does Australia's proposed crypto reporting bill mean for Bitcoin transactions and self-custody? Jordan Dittloff, law graduate and former Libertarian Party Senate candidate, joins Honest Money to share why he has concerns about the draft legislation on crypto asset tax transparency. Jordan explains what he says the draft would require of exchanges, why he is wary of rules being set by regulation, and why he sees red flags. Anja shares her concerns about wallet transfers and the physical safety of Bitcoin holders. 📝 Submissions close 28 October 2026. Read the draft legislation and make a submission: https://consult.treasury.gov.au/c2026-813391 🎙️ EPISODE SUMMARY Jordan and Anja discuss what the draft proposes for digital currency exchanges, how it connects to international reporting frameworks, and why Jordan believes the detail being left to regulations matters. Anja explains why she questions the reporting of transfers to your own wallet, and why she believes the safety of Bitcoin holders deserves more attention. Jordan shares his view on unrealised capital gains and superannuation. The conversation then widens to the cost of government in Australia, libertarian ideas explained in plain language, the role of the state, community, and the rise of One Nation. 🔑 KEY TAKEAWAYS Jordan says the draft would require exchanges to report transaction information to the ATO Jordan is concerned the draft leaves much of the detail to regulations made by the minister Anja questions why transfers to your own wallet need to be reported Anja highlights personal safety risks if holder data is leaked Jordan suspects unrealised capital gains could be a future focus for crypto Jordan describes libertarianism as the premise that you are the best person to make decisions for yourself and your family Both guests encourage viewers to read the draft and form their own view ⏱️ CHAPTERS 00:00 Meet Jordan Dittloff 02:55 The Bill and the Rushed Consultation Period 03:22 What the Exposure Draft Does 07:38 Why Rules by Regulation Concern Jordan 10:07 Anja's Concerns on Wallet Transfers and Ministerial Powers 12:48 Safety and Self Custody Risks 14:13 Unrealised Capital Gains and Super 18:39 Cost of Government, Not Cost of Living 20:26 Are Australians Waking Up? 24:27 What Is Libertarianism? Jordan Explains 29:00 Why Bitcoin and Libertarianism Overlap 31:45 Beyond Left and Right: The Political Axis Most People Miss 35:38 Is Libertarianism Right Wing? 38:22 The Role of the State and Personal Responsibility 41:03 Northern Rivers, Community and the Welfare State 43:56 One Nation: Can a New Party Change Anything? 48:32 Where to Find Jordan 🔗 FEATURED LINKS Jordan Dittloff Victorian Senate campaign: https://www.libertarians.org.au/vic_senate Jordan on X: https://x.com/Dittloff4Sense 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #BitcoinAustralia #CryptoRegulation #JordanDittloff #CARF #SelfCustody #Libertarian #AustralianPolitics #SoundMoney #FinancialSovereignty #HonestMoneyShow

    • Transcript
  • #63
    October 16 · 54 min

    Don’t Let Your Bitcoin Die With You: Wills and Inheritance in Australia

    What happens to your Bitcoin if you die without a will? Dale Warburton, founder of My Bitcoin Will, returns to Honest Money to explain why most Bitcoin inheritance plans fail, and how to make sure your stack reaches the people you love. Dale walks through a real Queensland example of dying without a will, why your will becomes public during probate, and why naming your Bitcoin in it could put a target on your beneficiaries' backs. He also explains why an access plan matters even more than a will, how inherited Bitcoin is taxed in Australia, and why your plan is never set and forget. 🎙️ EPISODE SUMMARY Dale and Anja discuss wills, letters of wishes, executors, access instructions, and the legal side of Bitcoin that every holder should understand before they need to. The conversation moves from what the state does with your assets when there is no will, to the key terms every beginner needs: probate, executors, letters of wishes, and testamentary trusts. Dale shares why he started My Bitcoin Will after a lawyer dismissed his Bitcoin, and what makes a will valid. The episode also covers power of attorney, keeping Bitcoin in the residue of your estate, where to store access instructions, keeping your plan simple, cost base and provenance records, when Australian banks might offer Bitcoin custody, and the first step you should take today. 🔑 KEY TAKEAWAYS Without a will, the state decides who inherits your Bitcoin Intestacy rules differ by state, even between neighbouring towns Your will becomes public during probate in Australia A letter of wishes stays private and can point to your access instructions Leaving Bitcoin in the residue of your estate protects your beneficiaries Never store access instructions with your seed material Inheriting Bitcoin is not a taxable event in Australia Get your access plan in place first, then your will ⏱️ CHAPTERS 00:00 Meet Dale Warburton of My Bitcoin Will 00:59 What Happens If You Die Without a Will 04:03 Wills, Probate, and Executors Explained 05:55 Letters of Wishes and Testamentary Trusts 08:02 Are Australian Lawyers Bitcoin Literate? 11:14 Why Dale Started My Bitcoin Will 15:32 DIY Wills and What Makes a Will Valid 18:33 Losing Mental Capacity and Power of Attorney 23:29 How to Describe Bitcoin in Your Will 28:04 Why Bitcoin Is Harder to Inherit Than Shares 31:11 Where to Store Access Instructions 37:29 How Inherited Bitcoin Is Taxed in Australia 39:51 Cost Base, Provenance, and Bank Custody 47:25 Do Single People Need a Will? 49:51 Your First Step and Keeping Your Will Updated 🔗 FEATURED LINKS My Bitcoin Will: https://mybitcoinwill.com/ Dale on X: https://x.com/Dale21M 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #BitcoinAustralia #BitcoinInheritance #BitcoinWill #EstatePlanning #DaleWarburton #MyBitcoinWill #SelfCustody #Probate #PowerOfAttorney #SoundMoney #FinancialSovereignty #HonestMoneyShow

    • Transcript
  • #62
    October 11 · 1 hr 10 min

    The Truth About Bitcoin in Australia: Government, Banks and the RBA

    What does the Australian government really think of Bitcoin? According to Bayani Mills, CEO of the Australian Bitcoin Industry Body (ABIB), the problem is that it doesn't. Bayani joins Honest Money to explain how policymakers, regulators, and banks actually see Bitcoin, and why Bitcoiners need to show up if they want the rules to change. Bayani breaks down why Australia fell behind on Bitcoin innovation, how Bitcoin mining could help build energy infrastructure and lower power costs, and why AML and KYC rules create risky stockpiles of personal data. He also shares why he expects a pitch for a retail CBDC within five years, and why the RBA talks about Bitcoin so much for an institution with no position on it. 🎙️ EPISODE SUMMARY Bayani and Anja discuss government sentiment toward Bitcoin in Australia, Bitcoin mining and energy, KYC, debanking, and the road to a retail CBDC. The conversation moves from ABIB's recent event at Parliament House in Melbourne, hosted by Libertarian MP David Limbrick, to why so many Australian Bitcoin miners stay quiet about what they do. Bayani explains how regulators put up barriers instead of leaning into innovation, and how talent and investment went overseas as a result. The episode also covers AUSTRAC and data collection, the cost and effectiveness of AML and KYC, Project Acacia and stablecoins, banks reviewing customers' social media, the difference between inflation, debasement, and CPI, the shift toward independents, and how everyday Bitcoiners can get involved through meetups and ABIB working groups. 🔑 KEY TAKEAWAYS Most Australian policymakers only know Bitcoin through crypto and mainstream media ABIB engages government on Bitcoin mining, energy, and methane abatement More Bitcoin mining is happening in Australia than regulators realise Regulatory barriers pushed Australian talent and investment overseas AML and KYC rules create stockpiles of personal data that put Bitcoiners at risk Bayani expects a pitch for a retail CBDC in Australia within five years Banks can decide who they serve, and Australians have no right to a bank account Rules only change when Bitcoiners turn up and engage with policymakers ⏱️ CHAPTERS 00:00 What Does Government Think of Bitcoin? 01:47 Changing Hearts and Minds in Parliament 03:51 The Parliament House Event in Melbourne 06:35 Why Australian Miners Stay Quiet 10:36 Aussie Bitcoin Talent and Capital Flight 14:46 How to Get Involved With ABIB 18:52 KYC, AUSTRAC, Data Honeypots and Wrench Attacks 27:57 Does AML and KYC Even Work? 32:24 What ABIB Has Been Working On 36:14 Project Acacia, Stablecoins and the RBA’s CBDC Paper 39:43 The RBA Has No Position on Bitcoin? 42:05 The Digital Euro and Money as a System of Control 48:44 Inflation, Debasement, and CPI 50:46 Debanking and Political Dissent 53:55 Independents and Political Engagement 56:51 Bitcoiners Inside Government and Banks 58:23 Is Gerard Rennick Coming Around? 1:01:30 What Bayani Is Most Bullish On 1:04:13 Meetups and Tools for Bitcoiners 1:06:09 Methane Abatement at Local Landfills 1:09:10 Final Thoughts 🔗 FEATURED LINKS ABIB: https://bitcoinindustrybody.org.au Orange Label: https://orangelabel.io BTC Map: https://btcmap.org 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #BitcoinAustralia #BayaniMills #ABIB #AUSTRAC #KYC #CBDC #RBA #Debanking #BitcoinMining #ProjectAcacia #SoundMoney #FinancialSovereignty #HonestMoneyShow

    • Transcript
  • #61
    October 9 · 1 hr

    The Hidden Cost of Inflation and How You Can Be Paid in Bitcoin in Australia

    How do you get paid in Bitcoin in Australia, and why might it be the best defence against inflation far worse than the official figures suggest? Adam Poulton, CEO of Get Paid in Bitcoin, joins Honest Money to explain how Australians can receive part of their wages in Bitcoin into self-custody, and why he calls CPI “a CP lie”. Adam breaks down why real inflation measured by the money supply runs closer to 8 to 10 percent a year, how house prices track money printing rather than CPI, and what that does to your wages, savings, and chance of ever buying a home. He also shares how Get Paid in Bitcoin works with payroll systems like Xero, why he was banned by a major bank for life, and why no change of government can outrun money printing. 🎙️ EPISODE SUMMARY Adam and Anja discuss getting paid in Bitcoin in Australia, real inflation, debanking, and why political fixes fall short. They also dig into why ⁨Dave Hughes⁩ and ⁨Karl Stefanovic⁩ feel so close to landing on Bitcoin as the solution. The conversation moves from how Get Paid in Bitcoin works, including its Xero payroll integration and self-custody by default, to why the gap between CPI and real inflation leaves workers falling behind every year. Adam explains how M3 money supply has grown around 8 to 10 percent a year for decades, and how that reshapes wages, retirement, and everyday life. The episode also covers Adam’s lifetime ban from a major bank, the debanking wave hitting Bitcoiners and business owners, the friction on cash withdrawals, the tobacco-tax Laffer curve, and why Adam believes Bitcoin, not a change of government, is the real escape from a broken monetary system. 🔑 KEY TAKEAWAYS Get Paid in Bitcoin lets Australians receive wages in Bitcoin, into self-custody It integrates with payroll systems like Xero for easy employer setup Official CPI badly understates what Australians actually lose to inflation each year Real inflation measured by money supply runs closer to 8 to 10 percent a year House prices track the growth in money supply, not the official CPI figure Australia creates hundreds of billions of brand-new dollars every single year Debanking is hitting Bitcoiners and business owners, Adam was banned for life No change of government can outrun a monetary system built on money printing ⏱️ CHAPTERS 00:00 Meet Adam Poulton of Get Paid in Bitcoin 01:15 What Get Paid in Bitcoin Actually Does 05:25 Self-Custody by Default 06:56 Bitcoin as an Employee Retention Tool 09:08 Why Wages Can’t Keep Up 13:41 CPI vs Real Inflation 21:30 Hundreds of Billions Printed Every Year 26:30 Is Australia Waking Up to Money Printing? 31:30 Why Dave Hughes and Karl Stefanovic Are So Close 39:13 Banned for Life by the CBA 41:05 The Debanking Wave Hitting Australians 43:37 Bracket Creep and a Broken System 46:26 WTF Happened in 1971 48:30 Why Political Fixes Won’t Work 53:01 The Tobacco Tax and the Laffer Curve 58:29 Bitcoin Price Outlook and Final Thoughts 🔗 FEATURED LINKS Get Paid in Bitcoin: https://getpaidinbitcoin.com.au Adam Poulton on X: https://x.com/adampoulton WTF Happened in 1971: https://wtfhappenedin1971.com 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #GetPaidInBitcoin #Inflation #CPI #MoneyPrinting #Debanking #BitcoinAustralia #AdamPoulton #SoundMoney #FinancialSovereignty #WTFHappenedIn1971 #HonestMoneyShow

    • Transcript
  • #60
    October 2 · 1 hr 3 min

    Stephan Livera on The Power Law & Bitcoin's Path to Millions

    Where is the Bitcoin price really heading, and does the power law still point to Bitcoin reaching millions? Stephan Livera joins Honest Money to explain his outlook on Bitcoin's price, why adoption is slower than he once believed, and what the power law model projects for the decades ahead. Stephan explains how his thinking on Bitcoin adoption has shifted over eight years, why he now meets people wherever they enter the funnel, from ETFs to self-custody, and what the power law suggests about Bitcoin reaching roughly a million dollars in the early 2030s and around ten million by 2045. Along the way he reflects on the long game of Bitcoin, surviving your first bear market, community infighting, and what the Coldcard hack really means for self-custody. 🎙️ EPISODE SUMMARY Stephan and Anja discuss Bitcoin's price trajectory, the power law, bear markets, and self-custody. The conversation moves from eight years of podcasting, through his long-term conviction on Bitcoin as money, to how he now sees adoption as a broad funnel rather than an all-or-nothing choice. He explains why he likes the power law as a grounding model over the debunked stock-to-flow, and what it projects for Bitcoin's price into the 2030s and 2040s. The episode also covers why the first bear market is the hardest and why dollar-cost averaging through it matters most, the exhausting community infighting around BIP-110 and spam, the quantum-security consortium forming around Bitcoin, and why, after the Coldcard hack, Stephan believes multi-vendor multisig is the real long-term answer to self-custody. 🔑 KEY TAKEAWAYS The power law projects Bitcoin near a million dollars in the early 2030s and ten million by 2045 Stephan favours the power law as a grounded model over the debunked stock-to-flow Bitcoin is not get rich quick, it is a five to ten year, multi-decade process The first bear market is the hardest, and DCA through it matters most He has evolved on "Bitcoin only" while keeping his long-term conviction Adoption is a broad funnel, from ETFs and custodians to full self-custody Community infighting over BIP-110 and spam burned out many builders After the Coldcard hack, multi-vendor multisig is his long-term self-custody answer ⏱️ CHAPTERS 00:00 Intro: Bitcoin's Path to Millions 05:09 Bitcoin Only, With Nuance 15:07 The Hybrid Car Theory of Adoption 18:21 Bitcoin as a Broad Adoption Funnel 23:45 Why Bitcoin Isn't Get Rich Quick 30:50 Do the Price Models Actually Work? 34:47 Surviving Your First Bear Market 37:30 Infighting, BIP-110, and Spam 43:45 Institutions and the Next Fork Fights 46:16 The Quantum Security Consortium 48:38 Self-Custody After the Coldcard Hack 52:31 The Continual Learning Journey 56:56 Community Questions: Lightning in Australia 01:01:43 Final Thoughts: A Multi-Decade Process 🔗 FEATURED LINKS Stephan Livera on X: https://x.com/stephanlivera Stephan Livera Podcast: https://www.stephanlivera.com/ 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #StephanLivera #BitcoinPrice #PowerLaw #BitcoinAdoption #BearMarket #SelfCustody #Multisig #BitcoinAustralia #FinancialSovereignty #HonestMoneyShow

    • Transcript
  • #59
    September 25 · 1 hr 10 min

    Is Your Bitcoin Setup Ready for the Worst? The Case for Timelocks

    What happens to your Bitcoin if you get hit by a bus tomorrow, and could your family actually access it, or would it be lost forever? Mike, product manager at Guardblock, joins Honest Money to tackle the hardest problems in Bitcoin self-custody: backups, inheritance, and staying secure in a world where AI is making attacks more sophisticated by the day. In the wake of the Coldcard hack, Mike explains why a single device is no longer good enough, how collaborative security using multisig and Bitcoin timelocks works, and how to make sure your coins reach your heirs without leaving a dangerous security hole. 🎙️ EPISODE SUMMARY Mike and Anja discuss self-custody, collaborative security, and Bitcoin inheritance. The conversation moves from the lessons of the Coldcard hack and recent data breaches, through the difference between custodial and non-custodial, single-sig and multisig, to how Guardblock's time-locked vaults add a co-signing key and recovery pathways without taking custody of your coins. Mike explains why self-custody still demands personal responsibility, how timelocks let you exit unilaterally if the company disappears, and why inheritance is the single biggest reason people are signing up. The episode also covers wills and letters of wishes, the privacy and trust trade-offs of collaborative security, which hardware wallets work with Taproot miniscript, the product's pricing, and why everyday people shouldn't need to be technical experts to keep their Bitcoin safe. 🔑 KEY TAKEAWAYS After the Coldcard hack, a single device and basic setup is no longer enough AI tools are making attacks on Bitcoin self-custody more sophisticated Multisig removes the single point of failure that sinks single-sig setups Collaborative security adds a co-signing key so a stolen seed alone can't move funds Bitcoin timelocks create recovery pathways and let you exit if a provider disappears Inheritance is the biggest gap in self-custody, and the top reason people sign up Put a plan in a letter of wishes, never seed words or pins in your will Everyday people shouldn't need extreme technical skill to hold Bitcoin safely ⏱️ CHAPTERS 00:00 Meet Mike From Guardblock 01:17 What the Coldcard Hack Taught Us 06:15 Why One Device Is No Longer Enough 10:01 Custodial vs Non-Custodial, Explained 12:05 Single-Sig vs Multisig, Explained 15:38 What Guardblock Actually Is 18:45 How Collaborative Security Works 24:11 How Bitcoin Timelocks Work 26:40 The Recovery Pathways Explained 37:00 The Privacy and Trust Trade-Offs 40:26 The Bitcoin Inheritance Problem 45:26 Probate, Wills, and Letters of Wishes 48:47 Which Hardware Wallets Work 01:03:00 Pricing and No Lock-Ins 🔗 FEATURED LINKS Guardblock: https://guardblock.com Guardblock on X: https://x.com/GuardBlock21 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #SelfCustody #Guardblock #Multisig #BitcoinTimelocks #ColdcardHack #BitcoinInheritance #BitcoinSecurity #Collaborativecustody #HardwareWallet #BitcoinAustralia #FinancialSovereignty #HonestMoneyShow

    • Transcript
  • #58
    September 18 · 1 hr 2 min

    Are Bitcoin Treasury Companies Safe? Tim Kotzman Breaks It Down

    Are Bitcoin treasury companies safe, or is the boom built on hype? Bitcoin treasury strategy means navigating wild market volatility, where companies have traded from forty times the value of their Bitcoin down to pennies on the dollar. So how do you make sense of them, and what does it mean for investors? Tim Kotzman, a founding member of the True North podcast and a close watcher of Bitcoin as a treasury reserve asset, joins Anja to explain how corporate Bitcoin strategy has evolved since MicroStrategy's first purchase in 2020. From convertible debt and preferred equity to the rise of digital credit, Tim breaks down the financial engineering behind companies like Strategy and Strive, and why conviction separates the winners from the rest. 🎙️ EPISODE SUMMARY Tim and Anja discuss Bitcoin treasury companies, financial engineering, and institutional adoption. The conversation moves from the failed Clarity Act, through the evolution of corporate Bitcoin strategy since 2020, to the mechanics of convertible debt, preferred equity, and digital credit. Tim explains why treasury companies aim for amplified Bitcoin exposure rather than an ETF's one-to-one match, how swings in book value create opportunity and risk, and what makes a strategy succeed or fail. The episode also examines how many treasury companies may survive, why the last cycle left some CEOs cautious, how self-custody of tokenised stock could reduce short selling, regulatory differences from Australia to Europe, and Tim's answer to the money printing criticism. 🔑 KEY TAKEAWAYS Bitcoin is a commodity, so it needs no regulatory clarity Corporate Bitcoin strategy has evolved fast since 2020 Treasury companies target amplified Bitcoin exposure, not one-to-one like an ETF Book values swing from 40x Bitcoin held to pennies Conviction and a clean balance sheet separate the strong from the weak A few large players may dominate via digital credit Self-custody of tokenised stock could curb short selling The "money printing" criticism misreads what these companies do ⏱️ CHAPTERS 00:00 Meet Tim Kotzman 01:02 The Failed Clarity Act and What It Means 03:26 Why Bitcoin Doesn't Need Regulatory Clarity 04:24 How Corporate Bitcoin Strategy Evolved Since 2020 08:24 Wall Street Versus the Bitcoin Community 13:01 Bitcoin Treasury Company or Bitcoin ETF? 15:47 How These Companies Are Valued 20:40 Why Strategy Sold Bitcoin at the Bottom 24:07 What Makes a Good Treasury Company 30:05 How Many Treasury Companies Will Survive 39:10 Understanding MNAV and Bitcoin Per Share 51:20 Global Regulations and the Australian Problem 53:26 Tokenised Stocks and Self-Custody 57:41 Is This Just Money Printing? 59:44 Why Tim Started His Podcast 🔗 FEATURED LINKS Tim Kotzman on X: https://x.com/TimKotzman Tim Kotzman on YouTube: https://www.youtube.com/@timkotzman8925 True North on X: https://x.com/TNorth True North: https://tnorth.com/ 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #BitcoinTreasury #MicroStrategy #Strategy #Strive #DigitalAssets #BitcoinInvesting #InstitutionalBitcoin #TimKotzman #BitcoinAustralia #FinancialSovereignty #HonestMoneyShow

    • Transcript
  • #57
    September 11 · 54 min

    How Bitcoin Became a Lifeline on the Myanmar Border

    What does it look like when Bitcoin stops being a price chart and becomes a physical community, a school, and a lifeline for people living under surveillance and near a conflict zone? Jimmy Kostro, founder of the Bitcoin Learning Center in Chiang Mai, shares how he built Asia's largest physical Bitcoin hub almost by accident. What began as a charity putting teachers in children's homes turned into off-grid solar mining, a four-storey education centre, and a Thai-language media operation reaching tens of millions. Jimmy explains why real Bitcoin adoption is built on local leadership, trust, and giving without asking for anything back. This conversation explores how a physical hub changes lives in ways an app never could, why you cannot manufacture legitimacy as an outsider, and what Bitcoin freedom means for people who keep two phones just to stay safe. 🎙️ EPISODE SUMMARY Jimmy and Anja discuss building Bitcoin community, financial education, and freedom in Southeast Asia. The conversation moves from Jimmy's unlikely path into Bitcoin outreach, through the off-grid solar accident that led to mining and a viral moment of global donations, to how an abandoned building became a four-storey hub with 500 members and seven full-time staff. Jimmy explains how the team won over local government and universities with a Bitcoin half marathon, how a single camera grew into a media arm with tens of millions of views in Thai, and why leading with generosity rather than transactions is what made the community take root. The episode also examines the real costs and funding behind a non-profit hub, why the model cannot be exported without local leadership, and Jimmy's work telling the stories of Burmese communities living under surveillance across the Myanmar border. 🔑 KEY TAKEAWAYS Asia's largest physical Bitcoin hub grew from charity work, not a business plan An off-grid solar system led to mining and a viral wave of global donations A physical space teaches saving and financial literacy in ways an app cannot A Bitcoin half marathon opened doors to local government and universities Consistent media turned one camera into tens of millions of views in Thai Leading with generosity, never a transaction, is what built lasting trust Real adoption needs local leadership that outsiders cannot manufacture Bitcoin freedom is a lifeline for people who keep two phones to stay safe ⏱️ CHAPTERS 00:00 Intro: Two Phones to Survive 00:52 Who Is Jimmy Kostro 01:14 From English Teachers to a Hill Tribe 03:17 The Solar Accident That Started Mining 05:30 The Viral Moment That Built a Community 09:17 Bitcoin Adoption and Thai Culture 14:03 The World's First Bitcoin Half Marathon 16:45 Building a Bitcoin Media Empire in Thailand 24:30 Why Real Adoption Means Giving, Not Selling 27:45 The Real Cost of Running a Bitcoin Hub 31:45 Why Bitcoin Communities Need Local Leaders 40:23 Safety, Freedom, and Life Near the Myanmar Border 47:51 One Myanmar and Life Under Surveillance 🔗 FEATURED LINKS Jimmy Kostro on X: https://x.com/JimmyKostro Bitcoin Chiang Mai: https://bitcoinchiangmai.org 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #BitcoinMining #ChiangMai #Thailand #BitcoinAdoption #JimmyKostro #FinancialFreedom #Myanmar #SelfCustody #BitcoinAustralia #FinancialSovereignty #HonestMoneyShow

    • Transcript
  • #56
    September 4 · 55 min

    Why Bitcoin Might Be the Best Thing for the Planet

    Could Bitcoin, the technology so often branded an environmental disaster, actually be one of the most powerful tools we have for cleaning up energy and fighting climate change? In this episode, Daniel Batten, climate-tech investor turned Bitcoin-energy researcher, joins Honest Money to challenge almost everything you've been told about Bitcoin mining and the environment. Coming to Bitcoin from the energy side rather than the money side, Daniel lays out the peer-reviewed case that mining stabilises power grids, makes solar and wind more profitable, mitigates methane, and brings electricity to communities the grid has never reached. This conversation explores why the world may embrace Bitcoin as a solution to an energy problem before a monetary one, how mining became so misunderstood, and what it means to measure freedom by more than the movement of a price chart. 🎙️ EPISODE SUMMARY Daniel and Anja discuss Bitcoin's role in energy, the environment, and human freedom. The conversation moves from Daniel's unusual path into Bitcoin through climate tech, through the mechanics of how mining stabilises stressed grids, to the real-world examples that prove it, from the Swedish grid to the ERCOT grid in Texas. Daniel explains how mining monetises otherwise wasted solar and wind, why it pays back renewable projects years faster, and how off-grid mining is electrifying rural Africa through projects like Gridless. The episode also examines the methane problem and how mining turns landfill and vented gas into a climate win, why environmental misinformation about Bitcoin took hold, why the developing world may adopt this before the West, and Daniel's closing reflection on sovereignty, emotion, and what it really means to be free. 🔑 KEY TAKEAWAYS The world may embrace Bitcoin as an energy solution before a monetary one Bitcoin mining can stabilise stressed grids, proven on the Swedish and Texas grids Mining monetises wasted solar and wind, paying renewable projects back years faster Off-grid mining is bringing electricity to rural communities across Africa Mining methane from landfills turns a potent greenhouse gas into a climate win Peer-reviewed research increasingly finds Bitcoin mining a net environmental positive Much of the "Bitcoin is bad for the planet" narrative is misinformation Real freedom means not being ruled by the movement of a price chart ⏱️ CHAPTERS 00:00 Introduction: Bitcoin, Energy, and Freedom 01:08 Daniel's Path From Climate Tech to Bitcoin 02:25 Why the World Embraces Energy Before Money 03:41 How Bitcoin Mining Stabilises Stressed Grids 08:46 The Mechanics of Mining and the Grid 11:57 Proof on the Swedish Grid 15:02 The Texas ERCOT Grid Example 19:17 Bringing Power to Rural Africa 23:21 Gridless and Off-Grid Mining 30:55 The Methane Opportunity 39:46 Mining Landfill Gas 43:52 Why the Developing World Adopts First 50:33 Freedom, Emotion, and Sovereignty 54:42 An Engineering Challenge With a Deadline 🔗 FEATURED LINKS Daniel Batten on X: https://x.com/DSBatten Daniel's Coaching for Bitcoiners: https://danielbatten.co/ 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #BitcoinMining #Energy #Renewables #Methane #ClimateChange #DanielBatten #GreenBitcoin #Sustainability #BitcoinAustralia #FinancialSovereignty #HonestMoneyShow

    • Transcript
  • #55
    August 28 · 1 hr 4 min

    The Big Print: How the Federal Reserve's Money Printing Will Affect You

    What happens when the systems holding up the financial world start to crack, and how do you protect your wealth before they do? In this episode, Lawrence Lepard, veteran investor and author of "The Big Print," joins Honest Money to make the case for sound money in an age of mounting systemic risk. Drawing on the history of monetary policy, the role of the Federal Reserve, and the lessons of past debt crises, Lawrence explains what could trigger the next major money print and why gold and Bitcoin may be the assets that matter most when it happens. This conversation explores the forces building beneath the surface of the global economy, the geopolitical events that could tip markets into stress, and the practical strategies investors can use to prepare rather than panic. 🎙️ EPISODE SUMMARY Lawrence and Anja discuss sound money, systemic risk, and the future of inflation, gold, and Bitcoin. The conversation moves from the cycles of gold and Bitcoin, through the history of money and the evolution of Federal Reserve policy, to the great financial crises and the money printing that followed each one. Lawrence explains why gold and silver have preserved wealth across centuries, how Bitcoin fits into that story, and what current monetary policy, CBDCs, and stablecoins mean for the next chapter of money. He closes on the market signals worth watching and how to invest through a turbulent world. 🔑 KEY TAKEAWAYS Sound money has preserved wealth across centuries of monetary upheaval The Federal Reserve acts as lender of last resort, and that role carries risk Systemic stress is building, and something in the system is likely to break Gold has historically moved first, with Bitcoin following more sharply Geopolitical events can be the trigger that tips markets into crisis CBDCs and stablecoins will shape the next chapter of money Watching systemic stress indicators helps investors prepare early Preparation, not panic, is the rational response to monetary risk ⏱️ CHAPTERS 00:00 Introduction: The Cycles of Gold and Bitcoin 02:03 The History of Money and Systemic Risks 03:52 The Evolution of Federal Reserve Policies 07:06 The Role of Gold and Silver in Wealth Preservation 10:14 The Great Financial Crises and Money Printing 15:08 Current Monetary Policy and Its Risks 19:50 Geopolitical Events and Market Stress 24:55 The Case for Sound Money: Gold and Bitcoin 29:46 Potential Triggers for a Major Money Print 34:47 The Future of Inflation and Asset Prices 40:09 The Role of CBDCs and Stablecoins 45:08 Market Signals and Systemic Stress Indicators 50:10 Investment Strategies in a Turbulent World 55:10 Final Thoughts: Hope and Preparedness 💬 JOIN THE CONVERSATION How are you structuring your portfolio against inflation right now? Drop a comment below. 🔗 FEATURED LINKS Lawrence Lepard on X: https://x.com/LawrenceLepard The Big Print: https://www.amazon.com.au/Big-Print-Happened-America-Sound/dp/B0DVTCWYNN Equity Management Associates: https://ema2.com/ 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into finance, economics, and financial literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #Gold #SoundMoney #Inflation #MonetaryPolicy #FederalReserve #SystemicRisk #CBDC #TheBigPrint #BitcoinAustralia #FinancialSovereignty #HonestMoneyShow

    • Transcript
  • #54
    August 21 · 1 hr 5 min

    Bitcoin: A New Monetary System, Not Just a Digital Coin

    What if understanding Bitcoin means unlearning almost everything you think you know about money? In this episode, John Pratt joins Honest Money to strip Bitcoin back to first principles, debunk the misconceptions that trip up newcomers and skeptics alike, and explain why Bitcoin represents a genuinely new monetary system rather than a digital version of the money we already have. From intrinsic value and monetary premium to scarcity and distribution, this is a ground up look at what makes Bitcoin work. This conversation explores why fiat paradigms get in the way of understanding Bitcoin, what critics of its fairness and distribution get right and wrong, and how a gradual societal shift toward a Bitcoin standard might actually unfold. 🎙️ EPISODE SUMMARY John Pratt and Anja discuss Bitcoin from first principles, the myths around it, and where it goes next. The conversation moves from why Bitcoin demands a break from fiat thinking, through the "unsecured credit" misconception and the concepts of intrinsic value and monetary premium, to Bitcoin's scarcity, stock to flow ratio, and divisibility. John explains why early adoption and distribution dynamics shape the market, and what they mean for resilience. The episode also examines government responses, the importance of self-custody, the fairness criticisms Bitcoin faces, and what a future deflationary world on a Bitcoin standard could look like, including why volatility is the price of being early. 🔗 FEATURED LINKS Follow JP on X: https://x.com/JP_Technology Sydney meetups: https://www.meetup.com/bitcoin_sydney/ Bitcoin Asia: https://asia.b.tc/ Origin Seoul: https://originseoulbtc.com/ 🔑 KEY TAKEAWAYS Understanding Bitcoin means unlearning the assumptions of the fiat system Bitcoin is a genuinely new monetary system, not a digital copy of old money The "unsecured credit" criticism misunderstands what Bitcoin actually is Intrinsic value is a myth, monetary premium is what gives money its worth Scarcity, stock to flow, and divisibility are central to Bitcoin's design Distribution and early adoption shape Bitcoin's resilience and fairness debate Self-custody is essential to holding Bitcoin securely Volatility is the price of being early, and adoption will be gradual ⏱️ CHAPTERS 00:00 Introduction to Bitcoin's Revolutionary Nature 01:55 Why Understanding Bitcoin Requires Unlearning Fiat Paradigms 03:51 Bitcoin as a Genuinely New Monetary System 07:02 Debunking the 'Unsecured Credit' Misconception 10:12 The Concept of Intrinsic Value and Monetary Premium 14:46 Bitcoin's Scarcity, Stock-to-Flow Ratio, and Divisibility 20:06 Distribution, Early Adopters, and Market Resilience 25:07 Government Responses and the Future of Bitcoin 30:00 The Importance of Self-Custody and Security 34:59 Criticisms of Bitcoin's Fairness and Distribution 40:03 Market Reactions to Large Bitcoin Movements 44:50 Bitcoin in a Future Deflationary World 55:10 Volatility and Investment Strategies 01:00:14 Gradual Adoption and Societal Shift Towards Bitcoin 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into finance, economics, and financial literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #BitcoinExplained #SoundMoney #MonetaryPremium #DigitalGold #BitcoinMisconceptions #SelfCustody #FinancialSovereignty #BitcoinStandard #BitcoinAustralia #MonetaryTheory #HonestMoneyShow

    • Transcript
  • #53
    August 14 · 1 hr 8 min

    Don't Let Your Bitcoin Be Stolen: Expert Advice on Security, Self-Custody, and More

    How do you keep your Bitcoin safe when the threats come from both sophisticated hackers and criminals at your front door? Lloyd, cryptographer and founder of Frostsnap, joins Honest Money to talk about the full picture of Bitcoin security, from multisig wallets and geographic key distribution to the physical safety measures every serious holder should think about. Drawing on his analysis of recent real world attacks, including the Coldcard exploit, Lloyd explains where hardware wallets fall short and how to design custody that holds up against both digital and physical threats. This conversation explores why self-custody means trusting hardware and software that can be compromised, how multisig defends against home invasions, and what recent attacks reveal about verifying device integrity and entropy. 🎙️ EPISODE SUMMARY Lloyd and Anja discuss Bitcoin security, multisig, and staying safe from both hackers and thieves. The conversation moves from the history of physical crime against Bitcoiners, through organised crime and the wave of attacks in France, to Frostsnap's multi device approach to securing keys. Lloyd walks through his reproduction of recent real world attacks, the technical details of the Coldcard hack, and what they mean for anyone holding their own coins. The episode also examines the best practices that come out of these attacks, the design principles that make hardware wallets safer, and the honest question of whether self-custody has become too complex for most users, and what to do about it. 🔗 FEATURED LINKS Frostsnap: https://frostsnap.com Frostsnap on X: https://x.com/FrostsnapTech Lloyd on X: https://x.com/LLFOURN 🔑 KEY TAKEAWAYS Self-custody means trusting hardware and software that can be compromised Multisig wallets with geographic distribution defend against home invasions Recent attacks show why verifying device integrity and entropy matters Hardware wallets must be designed to prevent message leaks and malicious entropy Physical and digital security have to work together to protect your Bitcoin Understanding real world attacks is the best guide to defending against them Good design, not just good intentions, is what keeps custody secure ⏱️ CHAPTERS 00:00 Introduction to Bitcoin Security and Lloyd's Background 01:07 Physical Safety in Bitcoin and Historical Crime Trends 05:08 Organised Crime and Bitcoin Attacks in France 07:47 Government Data Collection and Privacy Concerns 08:42 Frostsnap's Approach to Multi Device Security 12:48 Real World Bitcoin Attack Analysis and Reproduction 18:13 Technical Details of the Coldcard Hack and Attack Methods 24:43 Implications for Self-Custody and Hardware Wallets 29:14 Lessons from Recent Attacks and Best Practices 37:25 Future of Hardware Wallet Security and Design Principles 43:44 Is Self-Custody Too Complex for Most Users? 56:49 The Importance of Physical and Digital Security Measures 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into finance, economics, and financial literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #BitcoinSecurity #SelfCustody #Multisig #Frostsnap #HardwareWallet #Coldcard #BitcoinSafety #CryptoCrime #FinancialSovereignty #BitcoinAustralia #HonestMoneyShow

    • Transcript
  • #52
    August 7 · 52 min

    Who Created Your Bitcoin Seed? The $100 Million Mistake: Lessons From the Coldcard Hack

    Who created your Bitcoin seed? Tim joins Honest Money to break down the Coldcard hack, where weak entropy let attackers sweep about 1,500 Bitcoin, worth over $100 million at the time of recording, from wallets that had sat untouched for years. Tim explains what went wrong in the firmware, which models are affected, what to do if you hold coins on a Coldcard, and why anyone who let a device generate their seed should review their setup. Anja asks whether this means self custody is dead. 🎙️ EPISODE SUMMARY Tim walks through how the hack happened, from Coinkite’s licence change to the fallback random number generator that produced weak seeds. He covers the chances of victims recovering their coins, which Coldcard models are affected, and how to get coins to safety quickly. The conversation then turns to the basics of self custody: creating, protecting and using your secret, why cold storage seeds should be created offline, why humans are bad at random, and the tools that help. Tim also explains why free and open source software matters, how AI tools accelerated the attacks, and why Bitcoin is the canary for wider cyber threats. 🔑 KEY TAKEAWAYS Tim says the hack exploited weak entropy in Coldcard’s seed generation Tim says the fallback to a software random number generator was the more serious design failure Tim says Mark 3 wallets created with the affected firmware are the most vulnerable, with Mark 4, Mark 5 and Q also affected Tim’s view is to move coins off any Coldcard, using an exchange or custodian as a temporary step if needed Tim breaks self custody into three parts: creating, protecting and using the secret Tim recommends creating cold storage seeds offline using dice, cards or Entropia Tim says AI tools accelerated the attacks and that Bitcoin is the canary for wider cyber threats Tim says victims should contact Alex Thorn at Galaxy Research to improve the slim chance of recovery ⏱️ CHAPTERS 00:00 Welcome Back Tim 00:56 What Happened in the Coldcard Hack 02:25 Can Victims Get Their Coins Back? 05:59 Why This Hit the Community So Hard 07:14 A Word on Those Who Recommended Coldcard 08:30 The Coldcard Timeline and the Licence Change 11:19 Weak Entropy and the Fallback Failure 14:08 Which Coldcard Models Are Affected? 15:03 How Urgently Should You Move Your Coins? 17:04 Using an Exchange as a Temporary Step 19:04 Back to the Basics of Self Custody 20:14 Create, Protect and Use Your Secret 24:49 Cold Storage: Offline Seeds and Minimal Tech 28:57 Operational Wallets and Signing Devices 31:35 Is Self Custody Dead? 33:47 Why Humans Are Bad at Random 35:20 Tools for Creating Entropy 37:54 Why Free and Open Source Software Matters 41:59 Multiple Hackers and AI Built Exploits 46:50 Why Bitcoin Is the Canary 47:27 Can White Hat Hackers Rescue Coins? 49:11 Should Everyone Upgrade Their Setup? 50:27 Final Thoughts and Where to Get Help 🔗 FEATURED LINKS Tim on X: https://x.com/BTCSchellingpt Galaxy Research: https://www.galaxy.com/insights/research Galaxy HQ on X: https://x.com/galaxyhq Alex Thorn on X: https://x.com/intangiblecoins Red Team First Responders: https://opensats.org/blog/code-red-supporting-first-responders Wallet Playground: https://walletplayground.com 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #Coldcard #SelfCustody #BitcoinSecurity #BitcoinAustralia #HardwareWallet #SeedPhrase #Entropy #SoundMoney #HonestMoneyShow

    • Transcript
  • #51
    July 31 · 54 min

    The Bitcoiners Who Wouldn't Sell at a Billion: Vijay Boyapati's Bullish Case

    What makes Bitcoin comparable to gold, and could a digital asset really become the world's next global store of value? Vijay Boyapati, author of "The Bullish Case for Bitcoin," joins Honest Money to explain how Bitcoin evolved into what many now call digital gold. From discovering Bitcoin in 2011 to becoming one of its most articulate advocates, Vijay draws on Austrian economics to explain why Bitcoin's monetary properties matter and where it sits on the path to becoming global money. This conversation explores the evolution of money, the four phases of Bitcoin's monetisation, and why market psychology drives the dramatic price cycles that define Bitcoin's rise. 🎙️ EPISODE SUMMARY Vijay and Anja discuss Bitcoin, Austrian economics, and the future of money. The conversation moves from what draws people to Bitcoin as a store of value, through Vijay's discovery of Bitcoin in 2011 and his early transactions, to the Austrian economic framework that explains gold's enduring value. Vijay explains how Bitcoin works as digital gold, the way it teleports value across space and time, and what real monetary evolution looks like for an asset still early in its adoption. The episode also examines the four phases of Bitcoin's monetisation, market cycles and the psychological price levels that shape them, and the supply distribution dynamics most people never consider. Vijay makes the case that Bitcoin is still in the early stage of its journey, and that understanding monetary history is what reveals where it may be heading. 🔗 FEATURED LINKS Vijay on Twitter: https://x.com/real_vijay Bullish Case for Bitcoin: https://www.bullishcaseforbitcoin.com/store 🔑 KEY TAKEAWAYS Bitcoin shares gold's core monetary properties while improving on its weaknesses Bitcoin can teleport value across space and time in ways gold cannot Money emerges organically through a predictable process of monetisation Bitcoin's monetisation unfolds across four distinct phases Market psychology drives the dramatic price cycles that define Bitcoin Austrian economics offers a framework for understanding Bitcoin's rise Supply distribution shapes how Bitcoin adoption spreads We are still in the early stage of Bitcoin's evolution as money ⏱️ CHAPTERS 00:00 Introduction and Bitcoin's Early Story 01:17 How Vijay Discovered Bitcoin in 2011 02:13 Downloading Bitcoin and First Transactions 03:41 Bitcoin's Value and Long-Term Holding 05:04 Austrian Economics and Gold's Value 06:29 Bitcoin as Digital Gold and Teleporting Value 08:29 Bitcoin's Phases of Monetisation 19:38 The Organic Emergence of Money 22:57 Bitcoin's Current Phase and Future Potential 30:23 Market Cycles and Psychological Price Levels 35:35 Which Austrian Economist Would Be Excited About Bitcoin 37:29 The Quirks of Human Valuation and Coordination 40:10 Inflation, Deflation, and the Great Financial Crisis 44:15 The Big Print and Managing Government Debt 51:36 Long-Term Bullish Outlook on Bitcoin 54:14 Closing Remarks and Future Outlook 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into finance, economics, and financial literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #VijayBoyapati #DigitalGold #AustrianEconomics #StoreOfValue #BitcoinMonetisation #SoundMoney #BitcoinAustralia #FinancialSovereignty #MonetaryTheory #BitcoinAdoption #HonestMoneyShow

    • Transcript
  • #50
    July 24 · 1 hr 15 min

    The Cop Who Built an Open Source Bitcoin Wallet

    What makes a Bitcoin signing device trustworthy, and why would anyone choose to build their own from parts they can buy off the shelf? Seed, the creator of SeedSigner, joins Honest Money to explain how an open source, DIY signing device came to exist and why open hardware matters for the security of your Bitcoin. From an unlikely start in law enforcement to becoming a builder in the self custody world, Seed shares what he learned about trust, transparency, and the risks hidden inside closed hardware. This conversation explores the open source ethos, the supply chain and geopolitical risks facing hardware wallets, and why SeedSigner sees itself as a human rights tool as much as a security device. 🎙️ EPISODE SUMMARY Seed and Anja discuss open source hardware, self custody, and why DIY matters for Bitcoin. The conversation moves from what SeedSigner actually is and how it works, through Seed's path from police work to Bitcoin, to his early impressions of the technology and the ethical questions it raised for him. Seed explains the open source ethos behind the project, how community driven development shapes it, and what real user experience looks like on a device you assemble yourself. The episode also examines security concerns with hardware wallets, the evolution of microcontrollers and self custody, and the supply chain and geopolitical risks most people never consider. Seed makes the case that DIY solutions strengthen Bitcoin's decentralisation, and that open, verifiable hardware is what keeps sovereignty in the hands of the people using it. 🔗 FEATURED LINKS SeedSigner on X: https://x.com/sesi_the_man SeedSigner on GitHub: https://github.com/SeedSigner Donate Sats: https://seedsigner.com/donate/ 🔑 KEY TAKEAWAYS Open source hardware lets anyone verify what their signing device is really doing DIY self custody solutions strengthen Bitcoin's decentralisation Supply chain and geopolitical risks are real threats to closed hardware wallets Community driven development produces more resilient tools Microcontrollers have transformed what is possible in self custody Understanding attack vectors is essential to protecting your Bitcoin Open, verifiable tools serve as human rights infrastructure Personal responsibility sits at the heart of true self custody ⏱️ CHAPTERS 00:00 Introduction and SeedSigner's Background 01:21 What Is SeedSigner and How Does It Work? 02:34 From Police Work to Bitcoin 06:01 First Encounter With Bitcoin and Early Impressions 07:57 Ethical Considerations and Bitcoin's Potential 13:45 The Open Source Ethos and Community Driven Development 18:02 Security Concerns With Hardware Wallets 28:05 SeedSigner as a Human Rights Tool 32:00 Privacy, Security, and Geopolitical Risks 43:00 The Future Roadmap and Hardware Support 56:09 Why DIY Matters for Bitcoin Decentralisation 01:01:52 Attack Vectors and Security Threats 01:07:48 How to Contribute and Final Thoughts 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into finance, economics, and financial literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #SeedSigner #SelfCustody #OpenSource #BitcoinSecurity #DIYBitcoin #HardwareWallet #BitcoinAustralia #FinancialSovereignty #Decentralisation #BitcoinPrivacy #HonestMoneyShow

    • Transcript
  • #49
    July 17 · 36 min

    The 18 Year Cycle That Could Predict Bitcoin's Next Move With Jason Pizzino

    What if the booms and busts in Bitcoin, property, and the wider economy weren't random at all, but followed a rhythm that's repeated for centuries? Jason Pizzino, investor and student of market cycles, joins Honest Money to unpack the 18 year cycle and what it may reveal about the decade ahead. From property and precious metals to Bitcoin's own four year rhythm, Jason shares how understanding these patterns shaped his approach, including the story of how he turned a modest sum into a life changing return. This conversation explores where we might sit in the current cycle, the macroeconomic indicators worth watching, and how patient strategies like dollar cost averaging can help you navigate the volatility ahead rather than be caught out by it. 🎙️ EPISODE SUMMARY Jason and Anja discuss the 18 year cycle, Bitcoin's rhythm, and how to read the decade ahead. The conversation moves from the history and mechanics of the 18 year cycle, through Jason's personal story of turning a small stake into a substantial return, to his outlook for property and Bitcoin in Australia. Jason explains how Bitcoin's four year cycle fits within the longer pattern, why recent bull markets have disappointed some, and how Bitcoin tends to behave during downturns and macro shocks. The episode also examines the indicators Jason watches to confirm where we are in the cycle, his price and cycle low expectations for Bitcoin, and the entry and dollar cost averaging strategies he favours. Jason makes the case that understanding market cycles, rather than chasing the noise, is what separates confident long term investors from the crowd. 🔗 FEATURED LINKS Jason Pizzino on X: https://x.com/jasonpizzino Jason Pizzino on Instagram: https://www.instagram.com/mrpizzino/ The Investor Accelerator (TIA): https://tiainvestor.com/free-report/ 🔑 KEY TAKEAWAYS The 18 year cycle offers a long term lens for understanding markets and Bitcoin Bitcoin's four year cycle fits within longer historical patterns Property, metals, and Bitcoin can be read through the same cyclical framework Macroeconomic indicators help confirm where we sit in the cycle Bitcoin's behaviour during downturns reveals a lot about its maturity Patient strategies like dollar cost averaging help navigate volatility Understanding cycles matters more than chasing short term noise Cycle awareness can shape smarter entry points over the next decade ⏱️ CHAPTERS 00:00 Introduction to the 18 Year Cycle 02:55 Turning a Small Stake Into a Life Changing Return 04:09 Property and Bitcoin Outlook in Australia 05:33 Decade Long Asset Class Predictions 07:02 Bitcoin's Four Year Cycle and Recent Performance 10:17 Bitcoin's Behaviour During Downturns and Macro Shocks 13:27 Indicators for Confirming the Cycle 18:10 Price and Cycle Low Predictions for Bitcoin 20:45 Optimal Entry Points and DCA Strategies 33:32 Market Sentiment and Final Thoughts 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into finance, economics, and financial literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #JasonPizzino #18YearCycle #MarketCycles #BitcoinCycle #BitcoinAustralia #PropertyMarket #DollarCostAveraging #FinancialSovereignty #Macroeconomics #BitcoinInvesting #HonestMoneyShow

    • Transcript
  • #48
    July 10 · 48 min

    Pete Evans: From TV Chef to Primal Health And Bitcoin Advocate

    What connects the food you eat, the money you use, and the stories you're told to believe, and what happens when you start questioning all three? Pete Evans, chef, entrepreneur, and one of Australia's most talked about advocates for health and independent thinking, joins Honest Money to share his journey from legacy media to a life built around health, Bitcoin, and personal authenticity. From the courage it takes to question accepted narratives to the deep connection between physical health and financial sovereignty, Pete offers a candid and thoughtful conversation about thinking for yourself. This conversation explores the power of diverse information, the role of curiosity in a world of manufactured consensus, and why Pete sees Bitcoin as part of the same journey toward sovereignty that reshaped his approach to health. 🎙️ EPISODE SUMMARY Pete and Anja discuss health, Bitcoin, authenticity, and the power of questioning the story you're given. The conversation moves from the nature of public perception and the gap between legacy and independent media, through Pete's reflections on being seen, authenticity, and living a public life, to the health awakening that became a catalyst for questioning much more than diet. Pete also revisits his recent appearance on The Karl Stefanovic Show, where Karl publicly apologised for his COVID era stance, and what that moment says about how media narratives are made and unmade. Pete shares how that same curiosity led him to Bitcoin, and why he sees sound money as a natural extension of taking responsibility for your own life. 🔗 FEATURED LINKS Pete Evans on X: https://x.com/peteevanschefx Pete Evans on Instagram: https://www.instagram.com/chefpeteevans Pete Evans Website: https://peteevans.com/ Evolve Sanctuary: https://evolvesanctuary.com/ The Bitcoin Adviser: https://thebitcoinadviser.com/honest-money Sovereignty Summit, New Zealand: https://sovereigntysummit.nz 🔑 KEY TAKEAWAYS Questioning accepted narratives is the first step toward independent thinking Health and financial sovereignty are deeply connected Bitcoin represents a new financial paradigm worth understanding deeply Diverse information and curiosity are essential in a world of manufactured consensus Authenticity often means moving through shame and public judgement Handling Bitcoin's volatility requires a long term mindset Personal growth comes from challenging your own beliefs Taking responsibility for your health and your money is an act of sovereignty ⏱️ CHAPTERS 00:00 The Power of Public Perception 02:46 Bridging the Gap: Legacy vs. Independent Media 05:40 Navigating Shame and Authenticity 11:38 Health Journey: The Catalyst for Change 14:35 Bitcoin: A New Financial Paradigm 17:52 Handling Bitcoin's Volatility 20:39 The Role of Curiosity in Learning 29:34 The State of Mainstream Media 35:46 Challenging Beliefs and Expanding Perspectives 41:32 The Intersection of Health and Bitcoin 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into finance, economics, and financial literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #PeteEvans #HealthAndWealth #QuestionTheNarrative #SoundMoney #BitcoinAustralia #FinancialSovereignty #Authenticity #Health #IndependentThinking #SelfCustody #HonestMoneyShow

    • Transcript
  • #47
    July 3 · 1 hr 24 min

    Why This Surgeon Believes Bitcoin Can Fix Healthcare With Mr Tarik Sammour

    What happens to a nation's health when its money is broken, and could sound money be the cure the healthcare system didn't know it needed? Mr Tarik Sammour, surgeon and Bitcoiner, joins Honest Money to explore the surprising intersection of Bitcoin, healthcare, and the health of society itself. From the way inflation erodes healthcare funding to the deeper question of how broken money shapes a broken society, Tarik brings a clinician's eye to the economic forces most of us never think to question. This conversation explores why a growing number of doctors are paying attention to Bitcoin, what a neutral monetary standard could mean for medical systems, and how sound money principles might reshape the future of finance and healthcare in Australia. 🎙️ EPISODE SUMMARY Tarik and Anja discuss Bitcoin, healthcare, and the societal cost of broken money. The conversation moves from Bitcoin's role in healthcare funding and the damage inflation does to medical systems, through the moral implications of money and the challenges facing Australia's healthcare system, to the growing interest in Bitcoin among doctors. Tarik shares a clinician's perspective on decentralised medicine, the cost of living crisis, and why monetary policy quietly shapes the health of a whole society. The episode also examines the debate between Bitcoin as a store of value and a currency, the demographics of Bitcoin adoption, the impact of policy on young Australians, and how sound money could support innovation in healthcare. Tarik makes the case that fixing the money may be a precondition for fixing much more than finance. 🔗 FEATURED LINKS Mr Tarik Sammour on LinkedIn: https://www.linkedin.com/in/tarik-sammour/ Mr Tarik Sammour on X: https://x.com/tarik_sammour 🔑 KEY TAKEAWAYS Broken money systems have real and measurable effects on societal health Inflation quietly erodes healthcare funding and the cost of care A growing number of doctors are taking a serious interest in Bitcoin Bitcoin offers a neutral monetary standard free from political interference Australia's healthcare system faces deep structural challenges Monetary policy shapes the health and wellbeing of young Australians Decentralised medicine carries both real promise and real trade offs Sound money could underpin lasting economic stability and better care ⏱️ CHAPTERS 00:00 Bitcoin's Role in Healthcare Reform 04:35 Doctors and Bitcoin: A Growing Interest 10:08 The Moral Implications of Money 15:41 Challenges in Australia's Healthcare System 20:15 The Future of Bitcoin: Store of Value Versus Currency 28:52 The Impact of Policy Changes on Young Australians 42:14 Inflation and the Cost of Living Crisis 50:44 Decentralised Medicine: Pros and Cons 01:03:44 Bitcoin's Potential in Healthcare 01:15:24 Engaging Government in Bitcoin Discussions 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into finance, economics, and financial literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #TarikSammour #BitcoinHealthcare #SoundMoney #BitcoinAustralia #FinancialSovereignty #Inflation #CostOfLiving #BitcoinStandard #DecentralisedMedicine #HealthcareReform #HonestMoneyShow

    • Transcript
  • #46
    June 26 · 1 hr 9 min

    Will AI Steal Bitcoin's Energy? Michael Dunworth on the Future of Money

    Is Bitcoin's energy use a problem to solve or the very thing that makes it valuable, and what happens when Bitcoin and AI start competing for the same power? Michael Dunworth, entrepreneur and longtime Bitcoin builder, joins Honest Money for a wide ranging conversation on energy, transparency, and the future of money. From the proof of reserves debate to the looming competition between Bitcoin mining and AI data centres, Michael offers a candid and unfiltered take on the challenges and opportunities shaping the industry today. This conversation explores why proving ownership matters, what real leadership in Bitcoin looks like, and how energy innovation could define the next decade of monetary change. 🎙️ EPISODE SUMMARY Michael and Anja discuss energy, transparency, and the future of money in Bitcoin. The conversation moves from Bitcoin's energy consumption and the efficiency debate, through the growing competition between AI and Bitcoin mining for power, to the deeper question of how energy innovation reshapes money itself. Michael also digs into the importance of proof of reserves, the trust that comes from proving ownership, and the leadership and accountability the community needs to mature. The episode examines Bitcoin as a solution to deep monetary problems, the role of focus and discipline in the industry, and why personal growth and ideological consistency matter for anyone building in this space. Michael makes the case that Bitcoin's resilience rests on transparency, honest leadership, and a community willing to hold itself to a higher standard. 🔗 FEATURED LINKS Michael’s X account: https://x.com/MichaelDunwort1 GitHub account: https://github.com/MikeD123/Energy 🔑 KEY TAKEAWAYS Bitcoin's energy consumption is central to understanding its real value Energy innovation could define the next decade of Bitcoin and money The competition between AI and Bitcoin for power is intensifying Proof of reserves is essential to building trust and security Proving ownership matters more than ever for large holders Real leadership in Bitcoin requires transparency and accountability Focus and discipline are vital to Bitcoin's long term growth Bitcoin offers a credible solution to deep monetary problems ⏱️ CHAPTERS 00:00 Reconnecting and Detoxing From Social Media 02:03 Community Disingenuousness and the Focus on Energy 04:14 The Refusal to Prove Reserves and Red Flags 07:03 The Role of Auditors and Transparency in Reserves 09:48 Community Responsibility and Leadership in Bitcoin 14:05 The Significance of Proving Reserves and Avoiding Rehypothecation 17:48 The Importance of Cryptography and Integrity in Bitcoin 22:11 Market Sentiment, Infighting, and the Bear Market 32:02 Bitcoin as a Global Distributed System of Values 36:42 Energy Innovation and Future Challenges for Bitcoin 43:41 The Potential of Bitcoin to Change Money and Society 49:54 Responsibility, Focus, and the Future of Bitcoin 56:02 Optimism, Education, and the Path Forward in Bitcoin 01:04:40 Bitcoin as a Unifying Force 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into finance, economics, and financial literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage. #Bitcoin #MichaelDunworth #AIvsBitcoin #BitcoinEnergy #FutureOfMoney #ProofOfReserves #BitcoinAustralia #BitcoinMining #FinancialSovereignty #EnergyInnovation #Transparency #HonestMoneyShow

    • Transcript
Showing 1–20 of 31 episodes