Transcription
The world we live in is an illusion, and your freedom depends on your ability to accept reality, to adopt a new idea, and to exploit it. And my mission today is to help you in this process. You could have chosen the blue pill and stayed in the world of bison. But since you are here today, it means you have chosen the truth with the orange pill. So let's face reality. Money is an illusion. A huge amount of money is printed today, much more than we should be doing. And by printing money, we have just devalued your purchasing power. Today, central banks are companies that have full power, meaning they can print money infinitely out of nothing, and charge your states with an interest rate to be reimbursed. States go into debt for two reasons: to finance a lack of economic growth or to finance wars. And the state chooses to impoverish you. It chooses to print. The money supply increases by an average of 8% per year, which means you are getting 8% poorer each year. Every 8 years, you lose 50% of your purchasing power. This is the current economic reality. And what you need to understand today is that the economy is the biggest scam there is. Today, we go into debt to finance old debt. If we stop creating debt, the house of cards collapses. Your taxes do not finance highways or hospitals. They pay the interest on this debt. Fourth reality: your money is no longer in the bank. The bank no longer has your money. When you deposit it at the bank, it must keep 1% and can lend 99%. This means that if everyone today accepted this and went to withdraw their money from the bank, we would have what is called a bank run. The bank would go bankrupt, and you would see a cascade of liquidations. And to avoid this, states lie to you. They tell you that everything will be fine and that if they restrict your withdrawals and spending, it is simply to prevent money laundering, to finance a black market, and so on. In reality, it is to prevent a collapse. So, I know it stings, but remember, you chose the truth. And if I slap you today, it is voluntary, it is to awaken you. When one becomes aware of all this, one wants to react. What you need to understand is that we spend 40 years chasing money, but we don't even spend 2 hours in our lives understanding how it works and who it serves. And when we understand how it works, we want three things. First, to leave the matrix. Second, to protect our loved ones. Third, to protect our money. And to protect our money, we will look for a store of value. Yes, but your money is not safe anywhere today. All the stores of value used, stocks, bonds, precious metals, startups, all face numerous risk factors: taxes, regulation, crime, natural disasters, and even wars. This is a subject that is close to our leaders' hearts today, and you must be aware of it. So, there is an exception with real estate, which is to be a property dealer. With property dealing, you will be able to make capital gains quickly. Great. However, real estate is no longer a viable store of value for the long term. So, make sure you have some velocity in your operations. Now, if I take you back just before World War II and tell you that you can invest in any type of asset, in France or Germany, or you can invest in the asset that Germany and France are accumulating and storing in Switzerland or the USA. What do you choose? Not the two countries where everything will be destroyed; you invest in gold. But gold has many flaws. Gold is difficult to secure, it is bulky, it is easily seized. It can be stolen from you, and it is not liquid. And during wars, states take over. During the two World Wars, all the states concerned confiscated the people's gold. How does it happen? The state will force you to come and sell your gold at a fixed price. Once it has accumulated all the gold, it detaches the gold standard. It prints money infinitely to finance its war, devaluing the currency, causing the price of gold to explode, and you are left with nothing, without gold, without freedom, with hyperinflation and a purchasing power that is completely destroyed. So, you should know that everyone did this. France, Germany, Austria, Italy, Japan, the USA, the United Kingdom, everyone. So, I know, that's a lot of negative information at once. I've dampened the mood a bit, but it's voluntary, and rest assured, in the matrix, there is a glimmer of hope, there is a solution. In 2009, a person or group under the pseudonym Satoshi Nakamoto, who were ethical hackers called cypherpunks, wanted to bring you a certain freedom, a certain autonomy, and to give you back the power over your money. The mission of these hackers was to take monetary power away from states and give it back to you. And before Satoshi Nakamoto, others tried with Bashi Momoni, but these people were eliminated. So Satoshi Nakamoto disappeared and left a gift to the world, and he let the world adopt his gift. And this gift, you know it, it's Bitcoin. Bitcoin today is digital capital, digital gold, but better, which is portable, divisible, liquid, universal, neutral, censorship-resistant, that everyone can send to each other in a fraction of a second with almost no fees. And above all, Bitcoin is unseizable from the moment you have it in a decentralized wallet, no one can take it from you. And on top of that, Bitcoin is limited to 21 million units. This means that you cannot print more. No one can change Bitcoin's code and cheat to devalue Bitcoin. Thanks to this, Bitcoin retains its value, and Bitcoin is part of the technological evolution we know as a true revolution. It's a good thing, because what makes a technology valuable is its adoption. And today, Bitcoin has 400,000 users. It has the computing power of 8 billion computers and the electrical power of Switzerland, but mostly green energy. All of this makes it the most secure monetary network in the world. Bitcoin today is considered the new global store of value, replacing the dollar and gold with much greater qualities and bringing you freedom by taking power away from states and giving it to you. You become sovereign over your money again. All these qualities mean that Bitcoin absolutely crushes other asset classes in terms of performance. Here you have the NASDAQ, the S&P 500, gold, and US bonds compared to Bitcoin. In 5 years, they lose 80% to 90% of their value compared to Bitcoin. Bitcoin kills diversification. Diversification has become a difficult game that requires a lot of time and analysis, where only a few gems will be able to outperform Bitcoin. In summary, it simplifies investment since today we have a global strategy which is simply to focus on accumulating the asset that performs best. So, Bitcoin over the last 5 years has had an annualized performance of about 75%. Sorry, the figures are missing. The magnificent SEs, which are the best tech stocks listed on the stock market, are just behind with 51%. If you remove Nvidia, it's half as much, and other asset classes are far behind. You need to understand one thing: I told you about the monetary devaluation of 8% per year. You need to subtract 8% from these figures. This means that the real performance for real estate is -4% to -5% per year, and for US bonds, it's -4% per year on your purchasing power. This means you are getting poorer each year by holding these asset classes. If we look at the cumulative effect over 5 years, it's -25% for real estate and -19% for US bonds. So be aware of that. There are asset classes that enrich you in the long term. There are others that, due to monetary devaluation, impoverish you in the long term. In summary, Bitcoin today is the minimum profitability threshold. It's the performance to beat. Everything you don't put into Bitcoin becomes an opportunity cost, and you risk losing purchasing power. So, despite this, for a decade, the media has tried all sorts of propaganda to discourage you: money laundering, speculative, scam, pollution, illegal, too expensive. Even despite this, they have been accumulating in the background. And today, everyone, absolutely everyone, is rushing to accumulate Bitcoin. We are in a new gold rush, but a digital gold rush. The US government is accumulating as much Bitcoin as possible and wants to become the global superpower in Bitcoin. The US government is becoming pro-Bitcoin. Laws are being enacted to allow massive and coordinated accumulation. Each US state is creating strategic Bitcoin reserves. States around the world are doing the same. Everyone is in a race to accumulate this famous Bitcoin to secure themselves in the long term. And thanks to regulators, Wall Street is adopting Bitcoin with ETFs. We have seen a huge amount of money arrive since the beginning of 2024, and this is what has primarily driven Bitcoin so far. But it is not the only factor. And a new one is coming, which is even more important: companies. Today, there are about 130 publicly traded companies, particularly American ones, that are rushing to accumulate as much Bitcoin as possible with a long-term treasury strategy. We are no longer talking about speculative hype; we are talking about a treasury strategy to allow companies to survive. Private companies are starting to do the same, and everyone is on this bandwagon today. All the biggest players are accumulating as much Bitcoin as possible. And raise your hand, please, all those who already have Bitcoin. Okay? Look around you now. Keep your hand raised. Those who continue to buy Bitcoin today. There are shy ones who didn't raise their hand before. Little test. Keep your hand raised. Those who, to this day, have more than one Bitcoin. Well, let's adopt the strategy of companies. Companies today have a slogan, so to speak: every cash flow must go into Bitcoin. These companies are moving from the status quo to the status of triple maxi by putting every available cash into Bitcoin. We will be able to invest treasury funds, but also profits, and also what was supposed to go to dividends and what was meant to be used to buy back shares. Companies today are using all possible budgets, and even debt, by using shares as collateral to raise debt and buy back more Bitcoin. Why? Because buying back Bitcoin for today's companies means ensuring better performance than buying back their own shares and betting on their own growth. And this avoids all the risks we saw just before, the growth factors that you face as a company. Now, you might say, "But if companies start using leverage, going into debt, taking such big risks to accumulate Bitcoin, won't a bubble form, and won't there be a risk if Bitcoin corrects?" Well, if you zoom out enough, Bitcoin's volatility completely disappears. We have noticed that all past corrections, even the largest ones, have been erased after a maximum of 3 years. So if you borrow for a minimum of 5 years with a safety margin, logically, you protect yourself. When you zoom out enough, Bitcoin is a parabola, not a fluctuation. So demand is enormous, and supply is becoming increasingly scarce. Today, on crypto exchange platforms, there is less than 14% of available and liquid Bitcoin, and this is becoming scarcer day by day. And when supply becomes scarce and demand becomes exponential, what happens? We have a price explosion. So, you might say, "But if everyone does this, won't it saturate at some point?" No, not really. The addressable market is $900,000 billion. This is the total market for money and debt. Today, Bitcoin is 0.2% of this market. This market has quadrupled in 20 years, and we can project that it will quadruple again in the next 20 years to reach $4 million billion. And know that half of this market is intended for store of value. With a projection that I will give you shortly, we can aim for Bitcoin to increase 100 times in the next 20 years, reaching 7% market share by taking from gold and stocks. And how do we find this projection? We take past performance, create a trend line, and project long-term towards 20% in 20 years with an average of 30% annually. So, on average, you have a projected performance of 30% per year on Bitcoin. With a cumulative effect, this brings you between 10 and 20 million dollars in 20 years. Okay? And this is not just hot air; it's a simple projection with a +30% per year. Considering that currently, we have over 75% per year over the last five years. And if we go further back, it's obviously much more. With the adoption we know today, this is a viable projection. So now that you understand this, logically you have a little bit of fear. You're thinking, "Damn, I don't have enough." And that's the logic of things: with Bitcoin, what's beautiful about this technology is that the more you study it, the more you think you don't have enough. So your mission today, even if you're starting now, is to start accumulating, but accumulate as much as possible. I have a question for you. If you bought, if you have my Instagram, you know the answer. If you had bought every new iPhone since 2010, if you had taken that capital each year and bought Bitcoin at the same time instead of buying an iPhone, guess how much you would have today in your bank account, or rather in Bitcoin. Give me some numbers. Not far from 1.5 billion instead of having bought every new iPhone since 2010, you would have 1.5 billion in Bitcoin today. So I hope you will answer the following question well. Will you buy the new iPhone? €1500 today, according to our projections, is potentially €150,000 to €300,000 in 20 years. So when you buy Bitcoin, you must always think long-term. There's no question of "Should I sell it now because it might go down next year?" No. In 20 years, how much will my Bitcoin be worth? Okay. In summary, I have a sentence that you must remember today, which is very important to me, and which goes against what you have always been told: "Only invest what you are not prepared to lose." Not lose because of a lack of control over your money, and because of its devaluation, and because it can be seized from you. So, to start, you need to rethink your unit of account. Today, we count in euros and dollars. You must count in Bitcoin from now on. One Bitcoin is one Bitcoin, regardless of its value, and in the future, it will be useful for many things. So, we can copy the strategy of companies as individuals. We can invest the savings we have on the side. We can invest a part of our salary each month. We can invest the passive income we get from real estate or other investments. We can invest the excellent budgets we had planned to buy a nice motorcycle, a nice car. This is what I have always done. For 10 years, I have invested everything I earned without really treating myself, except recently. And we can even, with caution, use debt. So, you see that if you invest a little of your salary each month, let's say €500, versus that €500 plus €800 from your passive income plus €200 from excellent budgets you had planned, that's three times more Bitcoin. So every effort is worth taking. So before you start accumulating, you must be aware of one thing: Bitcoin has cycles. It's an economic cycle that is subject to monetary policies. I won't go into detail today. Obviously, there are phases where we go up and phases where we go down. When you zoom out enough, you ignore this volatility. And you see that over time, as we will see shortly, corrections decrease. Bitcoin corrects less and less during bear markets, and there is a scenario with current adoption where we may not have any more significant bear markets. With current adoption, and we see it in the current cycle, corrections are minor. We only drop 20% instead of 40% in each correction of the last cycle. So we might eventually have a minor correction and no real bear market. So, being aware of this, two strategies apply. One for beginners and one for more advanced users. For beginners, it's called DCA. In English, it's dollar-cost averaging. This means regular recurring purchases. You can automate on platforms like Revolut. Here, you will buy Bitcoin regularly every day, every week, every month. You see the price projections over the last 4 years. Your average acquisition price would be around $40,000 if you had done a recurring DCA, ignoring volatility. This simplifies things. Now, if you wanted to be a bit more advanced, if you had the analysis, the right methods, and everything needed, you could have had an optimized purchase by buying at the bottom of cycles and during corrections. And there, in Succeeding in Crypto, we managed to lower our average acquisition price. We are below $34,000, so 20% less. So, let's take a projection. Let's assume that from now on, we do a regular DCA over the next 20 years. We put in $1000, let's speak in dollars, sorry, $1000 per month, which is $12,000 per year, and each year we increase what we invest by 5% because we have a better lifestyle. Well, in 20 years, you would have invested $429,000 and accumulated 0.55 BTC, which would potentially represent $7.7 million, just by setting aside $1000 each month. What you need to understand here is that the best time to buy Bitcoin was 15 years ago. The second best time is now. But before investing, remember one thing: you do not have control of your Bitcoin if you leave it on Coinbase or Binance or an exchange platform. That's the worst place to store your cryptocurrencies. You must have full control of your cryptocurrencies, and you must become your own bank, and for that, you need a Ledger. It's the best solution today. And if you buy anything other than Bitcoin, I invite you to have two Ledgers. One for your Bitcoins that you set aside for the long term, a safe that you don't touch, and one for your active investments in other cryptocurrencies. So, we can do a little better. Your Bitcoins that you buy, you can stake them to earn returns. And with my team, with Sébastien Desportes and Benjamin Robert from Réussir en crypto, we have analyzed all possible solutions for Bitcoin. We were able to tell you today that the simplest, least risky solution is lending. On centralized platforms like Nexo.com, for example, there are others. If you lend your cryptocurrencies, two rules: do not stake everything, keep a part in a Ledger. Second rule: split your investments, your stakes, sorry. A bit on Nexo, a bit on other platforms. At least you divide the risk. Let's assume you have lent your Bitcoins, all that we have accumulated, we make a complete projection, and you would have a little more than doubled your Bitcoins over about twenty years thanks to these investments, since we can aim for an average return of 5% per year currently. 5% in the ups and downs, it's between 8% and 12% for your Bitcoins. So that gives you a passive income. If you reinvest these returns all the time, you get a cumulative effect and potentially reach $16 million in 20 years. So, you've noticed that with all this, we have accumulated, in quotes, only 1.22 Bitcoin. Now, while we can, wouldn't we make the effort to get that whole Bitcoin that you don't have yet? Because there were three hands raised in the room. Today, the means you can use is the one you use to buy assets that lose value, buy a car, a house, a motorcycle. Why not do it to buy an asset that gains 30% per year and enriches you? This means is debt. Today, you have the ability to raise money by mortgaging a property or refinancing a property and use it as you wish. So, do it. Personally, I used my house as collateral in 2023. I had paid €400,000 cash for it, and in 2023, I told myself it's really stupid to have put so much cash money at that time when I could have bought Bitcoin. What did I do with individuals? I raised $300,000. With that, I bought about ten Bitcoins which were at $29,000 at that time. Everyone told me I was crazy. Last July, everyone told me I was a genius. I quadrupled the value of my Bitcoins. I sold one-third of what I had bought. I repaid my debt. But I could have done better. Here, I took a risk. I borrowed for only 2 years at a rate of 12% per year. And there are five rules when you take on debt for Bitcoin. The first is to have a non-volatile guarantee, like real estate, something that doesn't fluctuate too much. Don't use Bitcoin. Bitcoin fluctuates; it can be volatile. If it loses too much value, you can have it liquidated, and you lose your collateral. So real estate is the best. Second, borrow for a minimum of 10 years, or at most 5 years, with an interest rate below 5%, and ideally interest-only. This way, you repay the principal at the end. If you borrow $1200, it's about $500 monthly payments. This allows you to buy one Bitcoin right away. Now, it's not necessarily the best timing to buy a Bitcoin. We are roughly at the end of the economic cycle, even if according to analyses, it can go further in 2026. It's never too late when you zoom out and when you make sure to eliminate volatility by borrowing for a minimum of 5 to 10 years. If you use Bitcoin as collateral today on available platforms, it's for a maximum of 2 years and 12% interest, so it's not viable. Rule number 4: only Bitcoin. Buy nothing else with this loan. Here, we are buying the store of value; we are not speculating on the rest. Rule number 5: Ledger mandatory. What you borrow is on a Ledger; it doesn't move; we don't touch it. So, let's make our projection. If we buy one more Bitcoin now and follow our DCA and stake it, we are no longer at 1.22 but 2.22 BTC, and in 20 years, we reach $29 million. Now, let's make a slightly riskier projection. Let's assume we stake the Bitcoin we buy. This is just to give you information, but don't do it. We would reach almost 4 Bitcoin, $50 million. So for me, the best solution is the third one, where you leave what you borrow aside, you don't stake it, and with that, you have a good risk-reward ratio. And finally, to conclude, there is a fourth lever, and I know that most of you are in altcoins today, you have taken risks, you haven't had enough Bitcoin despite what we might have told you. Altcoins are lagging behind today. Why? Because capital has arrived from traditional markets via ETFs into Bitcoin, via companies, via Bitcoin lawyers, companies that are specialized firms whose sole mission is to accumulate Bitcoin now. And so, capital is a bit stuck in Bitcoin. Usually, it circulates to the rest. We are starting to see the same thing with Ethereum and Solana at the current state, and rest assured, the top 50 will do the same. So in 2017, we saw a good correlation between Bitcoin, Ethereum, and altcoins where everything was rising synchronously, and when Bitcoin rose, the rest rose faster. And at the end of the cycle, we saw the altcoin season where everything performed much better than Bitcoin, and it was exactly the same in 2021. And in the current cycle, we have a certain decoupling, meaning that since March 2024, altcoins have been underperforming, they are lagging behind, but the cycle is not over. So I'm not telling you to jump into altcoins now. I'm telling you that if you have them, logically, this is when it's happening. The fountain of liquidity logically arrives at each cycle because it is the consequence of a psychological cycle. Capital moves from Bitcoin to Ethereum to other cryptocurrencies. We are currently on Ethereum. And for the more advanced among you, those who understand charts, the place to sell your altcoins is in the green zone and the red zone that you see here on retracements that we measure not against the dollar but against Bitcoin. For those who understand charts, to look at an altcoin against Bitcoin, here with the example of Hondo, we measure a retracement and we will sell in the green and red zones that we see here. Usually, the end of the cycle is when altcoins are in the red and infinite zone. You will tell me, "But if I sell everything for my Bitcoin, what do I do with it? Do I sell it or not?" That's up to you to choose. Personally, I will keep the vast majority of my capital in Bitcoin with a long-term vision, stake it during the downturn to have passive income, and finally only withdraw a very small portion to try to buy back Bitcoin at the end of the cycle. So in the bear market, at the bottom of the cycle, and you manage your capital at that time with your vision, your conviction. So to conclude, remember one thing: Bitcoin is your ticket to freedom, which brings you passive income and secures your retirement. And imagine yourself in 5, 10, 20 years: if you have accumulated Bitcoin, you are building your freedom. If you haven't, you are ensuring that you become a slave to a digital dictatorship that is being established. So Bitcoin rewards the courageous. Now that you have understood Bitcoin, you have a mission, and this mission is to share what you have understood about Bitcoin with respect, with kindness, to protect and free those you love. Thank you. [Music] Ah. Yeah.