Asset Allocation by Age
An illustrative hard-money glide path: how a Bitcoin-forward portfolio can shift across the decades from 20s to 60s.
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How Money Used to Work
From gold coins to paper dollars to numbers on a screen — the story of money, explained simply for the Halving House ELI5 series.
Power Law vs CAGR: Two Ways to Model Bitcoin’s Long-Horizon Growth
Power Law vs CAGR: Two Ways to Model Bitcoin Why simple compound-return math underestimates emerging assets — and what to use instead The Core Problem Most retirement calculators use the same math for Bitcoin that they use for the S&P 500: pick a constant annual return, compound it forward, done. That math assumes the asset’s … Read more
Pizza Party Inflation: How $20 Buys Fewer Slices Each Decade
🍕 The Pizza Party Inflation Story How money slowly buys less and less — explained with pizza The Setup Imagine you have a $20 bill. Your job is to feed your friends pizza. Same $20 bill. Same pizza. Same friends. Different years. Watch what happens to how many slices that $20 can buy over time: … Read more
California Bitcoin Tax Filing: Cost Basis, Lot Identification, and the Timing Gotchas That Catch Filers
Educational only. Modern Wealth Model is not a CPA, attorney, or registered financial advisor. This article is general education on California tax filing mechanics for Bitcoin holders, not personalized tax advice. Tax rules and FTB enforcement priorities change. Consult a California-licensed CPA before relying on any specific filing approach. Part 3 of the Regional Planning … Read more
Bitcoin Retirement Strategies for 2026: A Framework for Conservative Planners
A conservative framework for Bitcoin retirement planning in 2026. Allocation rules, withdrawal logic, custody, and tax structure, calmly explained, no hype.
Moving Out of California with Bitcoin Gains: The Residency Rules That Actually Matter
Educational only. Modern Wealth Model is not a CPA, attorney, or registered financial advisor. This article is general education on California residency rules and FTB audit considerations, not personalized tax or legal advice. Residency disputes turn on individual facts. Consult a CA-licensed CPA or tax attorney before any move involving large unrealized Bitcoin gains. Part … Read more
Sequence of Returns Risk with Bitcoin in Retirement
Two retirees with identical bitcoin portfolios can end up in completely different places based on the order of their returns. Here’s why bitcoin amplifies sequence of returns risk and four strategies to keep a bad first year from breaking your retirement.
Bitcoin Retirement Planning in California: How State Taxes Reshape the Math
Educational only. Modern Wealth Model is not a CPA, attorney, or registered financial advisor. This article is general education on California tax structure, not personalized tax or legal advice. Tax law changes annually, and individual circumstances drive outcomes. Consult a CA-licensed CPA or tax attorney before acting on any of this. Part 1 of the … Read more
Bitcoin Tax Strategies for Retirement Savers
The difference between a smart bitcoin retirement tax strategy and no strategy at all can be tens of thousands of dollars. Learn how to use long-term capital gains brackets, Bitcoin IRAs, tax-loss harvesting, and estate planning to keep more of your bitcoin in retirement.