2025 Predictions

Hello fellow investors,

Another year has flown by (way too fast) so its time to stick to tradition and make some fun market predictions for 2025. My last few annual predictions aged quite well (PLTR), earning remarkable 80% returns annually for each (yes, I said each) year so I'm hoping for the same in 2025. 

But as we look ahead to 2025, the stock market landscape presents an odd amount of optimism, and that makes me cautious. The last two years were quite incredible for most investors, marking two consecutive bullish years with an impressive 25% growth on the S&P500. 

However, the question on everyone’s mind is: can this upward trajectory continue? While enthusiasm remains high, I anticipate a slower, much more tempered pace in 2025, with the S&P 500 likely to see a maximum growth of just 5% by year’s end.

Prediction 1: S&P500 will see modest 5% growth by Year End 2025, larger growth will be concentrated to small amount of big tech stocks and bitcoin

So why only 5%? Well lets take a look at a few things.

In the political arena, Orange man is coming back and as he did before, he will  focus on the stock market as a key measure of success, amplifying market sentiment and policy-driven narratives. So early 2025, we can expect enthusiasm and growth, particularly in January, driven by renewed investor confidence. Investors did give him the nickname Donald Pump for a reason. 

Check out this graph below. I think its one of the most intriguing factors influencing 2025, the deployment of $7 trillion in cash still sitting on the sidelines. Right now this cash is sitting in Money Market funds, but people will get greedy as they tend to do and throw this cash back in market as they seek higher returns with lowering interest rates. That should raise the markets at a minimum. 

  

However, I'm predicting a significant cyclical pullback is likely to unfold in March or so, testing the resilience of the markets. The catalyst? Could be China, could be tariffs, but I think it will be inflation sneaking back in and spooking the markets. 

But overall with interest rates gradually dropping or even staying at current levels, this capital on the sidelines is poised to re-enter the market. The big question is: where will this influx of funds flow, and how will it shape the sectors and stocks of tomorrow?

I'm betting on bitcoin and big tech more than general S&P500. 

Prediction 2: Bitcoin will be volatile as always, but it will reach 140k at some point, MSTR will hit $800 per share

I wrote about currency debasement recently so I'm not going to repeat my bull case scenario for bitcoin. But money on the side entering the markets will send bitcoin to a high of $140k before it retreats probably down to the $80-90k range. This in turn will send MSTR flying to a high of $800 in 2025, but it will come back down as well. Still I will keep adding shares of MSTR on dips and will look to sell a larger portion once it reaches my target of $800. MSTR might dip down below $300 but overall it will be a volatile ride for both BTC and MSTR.

Other crypto might perform well but I will stay away from all other coins as I find the majority of them to be absolutely repulsive. One thing I am interested in is a potential Ripple ETF, if this comes out in 2025 (I'm predicting it does), then it maybe something I invest in. But I'll save that for a different post. 

The main drivers behind bitcoin's growth will be governments purchasing more coins in 2025 as strategic reserves. The Bitcoin Act of 2024 is being presented to Congress, which states the US Department of Treasury must purchase one million bitcoins over the next 5 years. Will this bill pass? Maybe. Maybe not. But if it does expect every other major treasury in the world to follow. In fact there's already talks in Germany, China, Japan and the Netherlands for governments to start setting up bitcoin reserves. I expect more corporates will purchase bitcoin as well. 

Alright on to PLTR, my (and hopefully your) favorite future trillion dollar company. 

Prediction 3: Palantir will grow due to Software Phase of  AI Revolution

This year was far too good for Palantir. I say far too good as a lot of my former work colleagues reached out to me (after years) to ask me if they would still buy PLTR at these prices. I told them what I tell everybody:

"When it was $8 a share, I told you to buy it since it was going to $100. Now that its $70, does that change that its going to go to $100?"

This year’s growth, driven by outstanding commercial performance, has been nothing short of phenomenal. If you’ve been following my posts, I hope you snagged as many shares as I did when they were trading below $10—and are now well on your way to planning an early retirement. But don’t cash out just yet—there’s still more to come.

As we witness the ongoing AI revolution, it's becoming clear that key players in hardware, software, and data management are positioned for even more growth. 2024's focus was on AI hardware. And on the hardware front, NVIDIA had a parabolic 2024 due to their chips powering the burgeoning AI industry. From training massive AI models to enabling advanced applications, NVIDIA's GPUs are still indispensable in the AI ecosystem. 

But I think AI is transitioning into the software phase of its revolution, and Palantir is uniquely positioned to thrive during this period. Over the next four years, Palantir's commercial and government business is expected to experience substantial growth.

Palantir's AI Platform (AIP) is set to attract more corporate clients as organizations seek tools to derive actionable insights from their vast data troves. 

Ontology, or the ability to organize and extract value from data, is critical in a world drowning in information. Palantir still remains the only firm capable of delivering this at scale, providing it with a strong competitive edge.

On the government side of things, political ties may further bolster Palantir's business here. The Trump administration has recently brought in individuals with strong connections to PLTR

• Jacob Helberg, appointed as Undersecretary of State, is a senior advisor at Palantir
• Peter Thiel, Palantir’s co-founder, maintains close relationships with influential figures such as Vice President Vance and Elon Musk, who is a trusted.... advisor(?) and confidant to President Trump
• David Sacks, the new AI Czar and a close associate of Thiel, has publicly acknowledged Palantir’s unique AI moat

Furthermore, Palantir’s technology could be instrumental in Trump's promised government cost-cutting efforts. I predict Elon and his Department of Government Efficiency will leverage Palantir's AIP platform to "streamline operations and reduce spending"—professional way of saying they will slash jobs and costs. It might be bad for the market and short term labor market (if DOGE fires too many government employees) but it could provide a good boost to PLTR stock. 

So, I'm still bullish and see PLTR's growth (and stock price) continuing in 2025. Will it have the type of growth NVIDIA had in 2024? Probably not, but it will still outperform the market. 

Now talking about AI, software and Elon, I have to bring up TSLA. 

Did you know that last year, the Tesla Model Y was the best selling car in the world? 

Impressive, right? Tesla’s growth prospects remain as electrifying (pun intended) as ever. While it continues to dominate the EV market—with the highly anticipated Model Q on the horizon—Tesla’s true strength lies in its innovation beyond vehicles. Its cutting-edge software (which is enhanced by ontology and AI), expanding charging infrastructure, and advancements in autonomous driving, including the game-changing Robo-taxis, position the company for sustained, long-term success.

With these developments, I'm expecting TSLA to reach a stock price of $600 by the end of 2025.

Are there any other parts of the tech sector that are poised to outperform the market in 2025? I think so. 

Prediction 4: Cybersecurity & Quantum Computing stocks will take off

The Western world continues to face relentless cyberattacks from Russian hackers. This issue feels especially personal, as Poland ranks as the most targeted country in the world for cyberattacks on a per capita basis. 

In 2025, companies of all sizes will need to prioritize cybersecurity like never before. I anticipate a record level of investment in this critical area, driving cybersecurity stocks to outperform the broader market. Among the options available, I believe the First Trust NASDAQ Cybersecurity ETF (CIBR) stands out as the best choice right now.

Over the past five years, CIBR has been the top-performing U.S.-based cybersecurity ETF, delivering an impressive annualized return of approximately 18.16%. With the increasing focus on cybersecurity, I expect this strong performance to continue in 2025, making CIBR a compelling investment opportunity.

Another area I expect to see significant growth in the market is quantum computing. Google recently made headlines for advancements in its quest to achieve quantum supremacy, a milestone that could revolutionize technology as we know it. 

Quantum computing fundamentally changes how problems are solved by leveraging quantum mechanics. Unlike traditional computers, which process information in binary (0s and 1s), quantum computers use qubits that can exist in multiple states simultaneously. This allows them to perform complex calculations at speeds unimaginable for classical systems, unlocking potential in areas like cryptography, drug discovery, and artificial intelligence.

While the field is still in its infancy, I anticipate quantum computing to become a major buzzword in 2025. For investors, it’s important to recognize that the breakthrough could come from anywhere. If it's an American or European firm, there’s a strong chance the company will be listed on the Nasdaq, making ETFs like QQQ a solid way to gain exposure.  

However, if a Chinese or BRICS nation company leads the charge, the geopolitical implications could be severe, shifting the balance of technological power. In that scenario, we might be f*cked. Either way, keeping a close eye on quantum computing developments is crucial for staying ahead of the curve in investing. 

Did you get all that?

So the markets in 2025 presents a landscape which should make investors cautious and strategic in their moves. 

While we might only see modest gains in the S&P 500, there’s real potential to score big in areas like big tech, Bitcoin, and growing sectors like cybersecurity and quantum computing. Making the right moves will be crucial to beating the market. 

Wishing you all a strategic and successful year—Good Luck, Merry Christmas and have a fantastic New Year!

Conviction, Patience, and Discipline

Obviously since this a investing site, I shouldn't have to stress the importance of money and investing too much here. But sometimes I feel like its important to journal your current thoughts so you can look back at them one day and reflect on the headspace you were in. I cannot stress enough that investing is not only a pathway to wealth; it is a discipline, a mindset, and a tool for creating a life that you want to live. 

But a lot of people don't do well, they make poor decisions that are based on emotion and end up losing too much or being a bag holder. Trust, we've all had losers on our journey to success, that's how you build experience. To really succeed in investing, one must understand its importance, master the psychology behind it with a solid plan, and prepare for what the future might bring. So here are my tips and suggestions to help you master this trade. 

Building Wealth: The Key to Freedom

Wealth is not an end in itself but a means to achieve freedom. Freedom to make choices, freedom to live without financial anxiety, and freedom to focus on what truly matters. 

Contrary to popular belief, luck plays a minimal role in wealth creation. Notice I said wealth creation, if you were born to the millionaire parents in Manhattan, Monaco or Zurich, then you are likely pretty damn lucky on the financial front so congratulations. But for the rest of us who don't come from generational wealth, we can't count on luck to get wealthy. We need to do what works effectively. And the easiest and most reliable way to build wealth is by building equity. Equity represents ownership, and ownership means participation in value creation. Whether it’s owning shares in a company or starting your own business, building equity is foundational to sustainable wealth. But there's plenty of material out there on how to start a business. People go to school specifically for business management or entrepreneurship, much less go to school for portfolio management or equity investing. But that's okay because it is a pretty simple formula. 

What does it truly mean to own shares in a public company? Put simply, it means you are a part-owner of that business. Just as the restaurant down the street has an owner, these large corporations also have owners—you and other shareholders. The more shares you own, the greater your stake in the company's success. As the company thrives financially, so does your wealth, reflecting your share of its growth and profitability. For this reason, I tend to avoid investing in small, obscure firms whose business models I don't fully understand. Owning shares is about more than just potential profit—it's about aligning with companies you believe in and comprehend.

Invest in What You Believe In

Yes, it sounds pretty cheesy but I have found time and time again that this is true. One of the simplest yet most profound investing strategies is to put your money into what resonates with you. 

For example:

Love drinking Coca-Cola daily? Buy shares of Coca-Cola.

Can’t stop raving about your Tesla Model 3? Consider investing in TSLA stock.

Appreciate the innovation behind your iPhone or MacBook? Invest in AAPL.

When you invest in things you understand and genuinely value, it becomes easier to stay committed, even during volatile market periods (which occur often). If you invest in only what you believe in, it creates conviction, and a lot of times I have noticed people have made millions because they had conviction and were sure of something. 

To make this personal, I have always been into tech innovation, its one of the reasons I invested so much in QQQ, PLTR or AAPL. When we had a huge market downturn in 2022, tech shares were ravaged. For me though, I was so convinced that the future would be tech heavy anyway that I invested a lot in QQQ and PLTR because I simply saw these reduced share prices as amazing buying opportunities. And they were. This obviously required a lot of discipline to buy when everybody else was selling. But discipline is a big part of it. Discipline and timing. 

Timing Your Purchases

With investing, timing is crucial. Timing your investments can make a significant difference. 

When is the worst time to buy? When you're caught up in "market FOMO"—the fear of missing out. This emotional reaction often leads to impulsive decisions, like buying a stock at an all-time high simply because everyone else is doing it. Chasing what's currently trending or most talked about is a risky game.

Take the GameStop frenzy as an example. At its peak, the stock hit an intraday high of $480—nearly 190 times its low of $2.57 just nine months earlier. During that time, random acquaintances were reaching out to me, asking if I was buying in. My response was simple: "When was the last time you went to a GameStop, or even played a video game?" Their lack of connection to the business highlighted a troubling trend—they were treating the stock market like a casino, not an investment tool.

As a result, many of them lost significant amounts of money. The stock market can be wildly irrational in the short term, driven by hype and speculation. However, over the long term, it tends to correct itself and rewards those who approach it with patience, discipline, and a focus on fundamentals.

So when is the best time to buy stocks or ETFs that you like? Red days. When markets dip, opportunities arise. Use these moments to buy assets at discounted prices. Red days come often when external factors like poor economic data, political pressure, or military conflicts spook the markets. That is when you buy. To take advantage of these opportunities, consider automating your investments with limit orders. A limit order allows you to set a predetermined price at which you want to buy a stock, ensuring disciplined buying without the need for constant monitoring.

Let me share a recent experience with you. I've been steadily accumulating shares of MicroStrategy (MSTR), driven by my belief in its potential to thrive as a Bitcoin treasury. This is an investment I plan to hold for at least a year, if not longer. That said, I’m fully aware of the high volatility associated with both MSTR and Bitcoin—prices can fluctuate wildly in the short term. Despite this, I remain confident and comfortable holding this stock as a long-term investment.

Last month, I noticed MSTR was trading at $475, an all time high for them. I decided that if it dropped 20% to around $380, I would buy it so I entered an limit order to purchase. Sure enough, a few days later, the market experienced a sell-off, and my limit order kicked in, automatically purchasing MSTR shares for me at $380. Within days, the stock rebounded to over $400, and I was pleased with the price I’d secured.

Has it dipped below $380 since? Yes. But I’m okay with that because I understand the stock's volatility. If it drops to $300, I’ll buy more without hesitation. Why? Because I have strong conviction that MSTR will be worth significantly more in a year.

This strategy works because I approach investing with conviction, patience, and discipline. Conviction keeps me focused on the long-term potential of my investments. Patience allows me to wait for the right buying opportunities, and discipline helps me stick to my plan during volatile times. That said, buying during red days requires emotional resilience. It’s not easy to buy when everyone else is selling. Self-doubt will creep in as you question your decision to go against the herd. But this contrarian approach—buying when others panic—is a proven strategy for many successful investors.

Does It Always Work? Of course not. No strategy is foolproof, and there are times when investments don’t pan out as expected (still waiting for AMD to bounce back). However, I’ve been surprised by how often this method has worked for me personally for stocks I am comfortable holding for a longer term. The key is to stay calm, make informed decisions, and capitalize on opportunities when emotions drive others to panic. Over time, this approach can turn market volatility into your greatest advantage.

Balancing Discipline and Enjoyment in Investing

Investing is a long-term game that demands patience and discipline, but it’s important to remember that life is meant to be lived. Financial freedom loses its meaning if you’re too focused on wealth-building to enjoy the present. Striking a balance between investing for your future and enjoying the moment is not only fulfilling but also sustainable.

I personally believe the balanced approach, 40 Days vs. 40 Years is good to follow. Its pretty simple. When you have an extra 10k to spend...

Spend Half Like You’ll Live for 40 Days 

Use half of that 10k to create meaningful experiences. Invest it in something that brings you joy—a vacation, a weekend getaway, a memorable dinner, something that you will remember when you're a wrinkly and old. These moments of happiness and relaxation recharge you, improve your mental health, and remind you why you’re working so hard in the first place.

Invest Half Like You’ll Live for 40 Years 

Allocate the other half toward securing your financial future. Consider investing in QQQ, TSLA, AAPL, or other stocks and ETFs that align with your long-term goals and growth strategy. Your future self will thank you. 

This approach will help you avoid burnout, enhance your perspectives, and just make your life more enjoyable. By embracing this mindset, you’re not just building wealth—you’re creating a life you love living. Your investments secure your future, while the experiences enrich your present. 

Preparing for the Uncertain Future

The world is in a constant state of change, and right now, much of the conversation revolves around artificial intelligence. AI is reshaping our future, offering immense opportunities while also sparking fear and uncertainty. Many roles in the corporate world are being redefined—or even replaced—by AI technologies.

What happens when driverless cars become the norm in Manhattan? What will happen to all the professional? Could robots eventually take over jobs as bartenders, cleaners, or landscapers? Will cashiers be required as this technology evolves? And as quantum computing advances, how might it revolutionize everyday life? These questions underscore the profound transformations on the horizon, challenging us to rethink the nature of work and the skills needed in this rapidly evolving landscape.

This should serve as motivation to research and invest more than ever. Traditionally, building wealth started with knowledge—and while knowledge is still the most powerful asset you can own, its role has evolved. In a world where tools like ChatGPT and YouTube make information readily accessible, ignorance is no longer an excuse.

However, it's crucial to recognize that these tools primarily solve problems we already understand. The ability to adapt, innovate, and create remains uniquely human. ChatGPT might explain today’s accounting rules in detail, but can it develop entirely new frameworks for a field that doesn’t yet exist? Perhaps not.

One thing is certain: as new challenges and industries emerge, tech companies will be at the forefront, driving innovation and delivering transformative solutions. By staying informed and investing wisely, you can position yourself to benefit from these advancements. While it's impossible to predict exactly which companies will lead the charge, many of the frontrunners are—or will be—listed on the Nasdaq. A simple way to gain exposure to this wave of innovation is through ETFs like QQQ, which track top tech-driven companies shaping the future.

That’s exactly the approach I’ve taken and plan to continue. I focus on buying individual firms I have strong conviction in, like PLTR or MSTR, and ETFs like QQQ and ARKB, especially during market dips. This strategy not only aligns with my beliefs but also positions me for long-term growth.

Anyways, that's it for now. Happy Investing. Good luck. 

Currency Debasement

Hello fellow investors,

Ever had that moment when your predictions almost all come true? That’s been me lately—my 2024 calls on PLTR, Trump, Bitcoin, and Small Caps have hit the mark, and let’s just say my portfolio is loving it. Looking back at my December 2023 predictions (link here) has been a fun little victory lap, but the real excitement? Logging into my account and seeing those calls pay off. There’s nothing quite like the validation of getting it right in the markets.

That said, I’m not here to flex or drop a “told you so.” Realistically—when the market’s in bull mode, everyone suddenly seems like a genius. 

I'm starting to get worried about the world economy, and naturally I want to protect all my hard earned money and the freedom that comes from my investments. I've gone down a bit of a rabbit hole recently and I wanted to lay my thoughts out here regarding CURRENCY DEBASEMENT, which I am expecting to be a financial market buzzword in 2025.

So what is currency debasement?

Currency debasement is the erosion of a currency’s value due to excessive money printing. While often confused with inflation, the two are distinct. Inflation refers to the rising prices of goods and services, typically driven by increased demand or supply shortages. Currency debasement, on the other hand, is a deliberate devaluation of a currency, often caused by governments printing money to finance spending or pay off debts.

Think of it like this: inflation impacts the cost of living, while currency debasement diminishes the purchasing power of your savings. When central banks flood the economy with money, each dollar, euro, or zloty becomes less valuable, which in turn can lead to inflation—but not always at the same rate or in the same sectors.

How much did an apartment cost in your area back in 2010 compared to today? Chances are, it’s significantly more expensive now. While increased demand plays a role, a big part of the story is the declining value of your money. And it’s not just housing—have you noticed how nearly everything has gotten pricier? New cars, watches, eggs, butter—you name it. On average, most things are at least 30% more expensive than they were just a decade ago. 

That's currency debasement in a nutshell. 

Why exactly am I thinking about this debasement so much now?

To sum it up.... the global debt burden. 

Governments around the world are drowning in debt, with many countries experiencing debt levels that exceed their GDP. In the United States, the national debt now surpasses 120% of GDP—a staggering figure. Globally, the situation is similar, with many nations struggling under the weight of their borrowing.

What’s even more alarming is how governments allocate their revenue. In the U.S., a significant portion of federal income is now being used solely to pay interest on the national debt. 

To make this relatable, imagine someone with a credit card balance so high that their entire paycheck goes toward paying just the interest—not even touching the principal. This person can never escape their financial hole, and any unexpected expense would force them to borrow even more. Governments are in a similar position, and as economic growth slows, the gap between revenue and debt servicing costs widens.

The Inevitable Path: More Money Printing

Let me start by saying this—I have little faith in modern governments. Too often, they’re short-sighted, making promises they can’t keep just to win elections. Once in power, they inevitably disappoint (Biden in the U.S. and Tusk in Poland are perfect examples of this).

And don’t even get me started on the EU. Its politicians have stifled economic progress and innovation with endless bureaucracy, effectively shooting Europe’s potential in the foot. Meanwhile, in the U.S., it doesn’t matter if politicians lean left, right, or somewhere in the middle—they all seem to fall back on the same playbook: print more money whenever economic troubles arise.

The pattern is undeniable: even conservative, right-leaning governments resort to increasing the money supply, offering handouts in exchange for votes (PiS in Poland or Fidesz in Hungary). It’s a global trend that keeps repeating itself, and the consequences are becoming harder to ignore. 

Faced with this unsustainable debt burden that we currently have, I predict governments will increasingly resort to printing more money as a solution. This approach, while politically expedient, will only exacerbate the problem of currency debasement. 

The logic is simple: printing money is easier than cutting spending, raising taxes, or attempting structural reforms. However, this will accelerate the decline in purchasing power and create long-term instability in fiat currencies like the dollar or euro.

As prices continue to rise, the money sitting in your bank account will steadily lose its purchasing power. This makes investing in assets more important than ever—it’s the only way to safeguard and grow your wealth in a world of inflation and ongoing currency debasement.

What am I going to do to protect myself and fight Currency Debasement?

Bitcoin. Yes, I know.... bitcoin. 

I used to be skeptical of Bitcoin (mostly because of the online crypto community), but the more I’ve researched, the more I’ve come to see it as one of the most effective hedges against inflation and currency debasement.

Unlike fiat currencies, Bitcoin has a fixed supply of 21 million coins, making it immune to the unpredictable policies of central banks. As the demand for sound money continues to grow, Bitcoin's value proposition as "digital gold" becomes even more compelling. Unlike gold, which can still be discovered in new mines, no additional Bitcoin will ever be created. Its finite nature ensures scarcity, and those who hold it are poised to be among the wealthiest in the future.

Here’s my wild 8-year Bitcoin price prediction. I know it might sound crazy now, but let’s put things into perspective. Back in July 2010, Bitcoin was trading for around $0.05 per coin. At the time, even the idea of it hitting $1,000 seemed absolutely ridiculous. Fast forward a few years, and it blew past that milestone with ease. The two biggest factors driving my prediction are scarcity and institutional involvement. 

Year	BTC High
2024	$70,000
2025	$100,000
2026	$140,000
2027	$210,000
2028	$300,000
2029	$420,000
2030	$600,000
2031	$800,000
2032	$1,000,000

Scarcity

Bitcoin's capped supply of 21 million coins is a cornerstone of its value proposition. As demand continues to grow and the production of new Bitcoin (via mining) slows due to halvings, its inherent scarcity pushes prices higher. Historically, the supply shocks triggered by halvings—occurring roughly every four years—have often preceded significant price surges. For instance, this year alone, Bitcoin’s price skyrocketed from $40k to over $100k. Looking ahead, the next halving in 2028 will further reduce the influx of newly mined coins, likely intensifying scarcity and setting the stage for even higher prices.

Institutional Involvement

The growing participation of institutional investors is another key driver of Bitcoin’s value. As Bitcoin solidifies its place as a legitimate asset class, institutions are increasingly allocating capital to it, amplifying demand. Major banks are already onboard, and by 2025, we could see an influx of S&P 500 companies adding Bitcoin to their balance sheets, accelerating adoption and price growth. 

It’s important to remember that Bitcoin is highly volatile, capable of swinging 30% up or down within days, as history has shown. For example, in a year like 2028—when I anticipate Bitcoin could hit $300k—it wouldn’t surprise me to see it temporarily dip to $200k before climbing back. To succeed in Bitcoin investing, you need to embrace its volatility and keep a long-term perspective. The price swings are part of the journey, but so is the potential for extraordinary rewards. That’s why I believe buying during pullbacks—rather than chasing all-time highs—can be a smart strategy for maximizing its upside.

Buying Bitcoin

I get it—many people are hesitant to buy Bitcoin because they don’t trust the brokerages that sell it. Setting up profiles on platforms like Coinbase, Binance, or Kraken and transferring money there can feel risky, especially after what happened with FTX.

The good news? There’s a simpler, safer workaround. You can gain Bitcoin exposure through your trusted broker without directly owning Bitcoin. Bitcoin ETFs like IBIT or ARKB offer an easy entry point, as do publicly traded companies like MicroStrategy (MSTR), which has transitioned from a software firm to essentially a Bitcoin Treasury. It’s a great way to secure your financial future without diving into the complexities of crypto exchanges.

Personally, I am investing in MSTR and ARKB because I prefer to do everything thru my trusted, stable broker. 

How much to allocate to Bitcoin exposure?

Like many others, I didn’t buy enough Bitcoin early on, and I want to make up for it. But I started catching up late last year and want to expand. That’s why I’ve decided to ensure that 25% of my entire portfolio is allocated to Bitcoin. While I generally believe in diversification, I’m not a fan of over-diversifying to the point where it dilutes returns. But I also wouldn't YOLO everything into Bitcoin... or anything else for that matter. 

To stick to this plan, every month in 2025, I’ll make sure that 25% of my new investments go toward Bitcoin exposure— specifically to MicroStrategy (MSTR), or the ARK Innovation ETF (ARKB). The remaining 75% will go to my tried-and-true picks, ensuring I maintain a balanced yet focused portfolio.

What else can I do other than Bitcoin to fight Currency Debasement?

If you're still hesitant to invest in Bitcoin, Bitcoin ETFs, or publicly traded firms associated with Bitcoin, then the next best move is clear: Technology.

Tech companies, especially those leading innovation in artificial intelligence, cloud computing, and renewable energy, are at the forefront of the ongoing digital transformation across industries. These businesses have the potential to grow their revenues and profits at rates far exceeding inflation, making them an excellent hedge against the devaluation of fiat currencies.

Some of my top picks for tech companies that I believe will continue to rise in value include PLTR, TSLA, NVDA, and AMZN. Alternatively, if you prefer a more diversified approach, investing in QQQ is a simple way to gain exposure to all these tech giants and more. 

Final Thoughts

The economic challenges we face today—currency debasement, unsustainable debt, and the burden of rising interest payments—are undeniably daunting. Yet, within these challenges lie opportunities for those who plan and position themselves wisely. By investing in assets resilient to devaluation and poised for growth, such as Bitcoin and innovative technology stocks, we can chart a course through the uncertainty and build a stronger financial future.

I once heard that unhappiness often comes from a disconnect between your vision of your future self and your current reality. That idea resonates deeply. It’s a reminder that the choices we make today, especially in how we invest, are crucial for closing that gap. Investing isn’t just about growing wealth; it’s about creating freedom—financial freedom, geographic freedom, and the ability to live life on your terms. Take the steps now to secure the future you envision and truly deserve.