Topic: My view of wealth and assets specially now (Read 816 times)

If a low invester cannot invest in real estate, we can say that he can't even invest in Bitcoin, because at this time the price of bitcoin is also high.Small capital can buy some part of Bitcoin but can't get good profit in it.Good profits can only you get, if you have a good investment. Never think of the low capital that Bitcoin will give you a good profit.

Bitcoin's investment may be risky, but not as much as people think, if investing wisely, the fear of loss may be very low. I don't think that if someone invests in gold than Bitcoin can make more profit. The risk is everywhere. No one can say there is no risk in gold investment.Real estate, gold and bitcoin are all good investments, but the most important thing is this, whoever has experience wherever he should invest there, if you don't have bitcoin investment experience, So there may be loss instead of getting good profit.

It's true, that real estate and property are good investments, but when you are someone who only has small capital, you won't be able to buy a property or real estate in a strategic location, for that reason i look more at volatile assets that can give you good profits with small capital like bitcoin when you invest in bitcoin, you can have the opportunity to double the value in the next few years, but if you don't really like risk, investing in gold is also a good choice because gold is popular, which are very plentiful and easy to sell, but consider investing in bitcoin because as long as you don't sell your bitcoin then the chance of the value of the money you invest in bitcoin increasing is large.

and that means, as much as possible, better to diversify your portfolio if you have the financial means to do so. with diversification, you can get the advantages of having those varied assets. as many people are still not familiar with the crypto market, they will only explore their opportunities to the familiar markets like real-estate and gold.

and when you talk about having debts just to buy certain investment. that is indeed very risky because you have good assurance that there will be positive outcome to such investments. otherwise, you are digging your own grave to debts.

Gold and BTC are good for investment in my view because gold has been around since the old times and is a standard of currency while BTC is a new one but gained much trust and popularity among people and always increases its price after halving. You are right real state is working on a debt but do you what the businessman says about the real state, they declared the real state the future investment.
People from ancient times preferred two things for investment:gold and second is real estate once you find a good and good location the price will be double and triple. But BTC is another asset that gains popularity day by day and people prefer BTC instead of gold and real estate it's a little bit risky but this is the risk that allows you to get rich if you lose will not come back.

That's why we are required to be smarter and wiser in sorting and choosing the type of investment we will choose, as well as the type of coin we will buy, if we intend to invest our money in crypto or bitcoin. And if we don't understand enough about this type of investment, it is better for us to choose to invest in a type of investment that is quite easy for us to understand, even though the profits are quite small. Investing in crypto or bitcoin is indeed a promising type of investment for us to be able to get quite large profits, but if we don't really understand it, then this will be quite risky and we could lose quite a large amount of money. And quite a few people are quite interested in crypto and bitcoin... where they see someone who gets big profits from the crypto investments they make, so this becomes a motivation for them to do the same thing and hope they can get the same profits too. . But he forgets that there is a process that he has to go through, and there is a science that he has to master first.

You're right there. If the real estate you buy is an investment and, after a few years, the place you bought it is developed, it's a good opportunity to build a business, especially since the one you bought is on a commercial lot. You can say it's a winner and you will be there in the future.

That's the beauty of real estate investment. Then you add more investment to the cryptocurrency business, and Bitcoin is a double-bladed profit you will harvest for sure in the end.

To bring up another line of investment apart from bitcoin and real estate, one can still consider agriculture as one of the best investments someone could also add with bitcoin and Real Estate. When you talk of agricultural produce, you speak of daily demand and consumption.
Agriculture produce is another business that guarantees steady cash flow in the family and community at large if well-planned or established.

Before investing in Bitcoin, certain things need to be understood at what purpose of wanting to buy Bitcoin. Buying Bitcoin as a store of value, one should note he may not get Bitcoin at the same price he invested, it is either low or higher. If it is lower then he needs it at that moment he has no option either to wait till the price appreciates or sell, selling at that point is taking a loss.
I suggest that instead of using Bitcoin mainly as a store of value it will not be proficient as using Gold. Bitcoin should be most likely used for investment and payment for services.

Real Estate can also be used for businesses that can provide passive income for us in the future. Which will enable us to achieve financial stability or even financial freedom. It depends on the idea and how we make good use of it. But what is certain is that real estate apart from the price continues to increase from time to time. And also Real Estate can be a source of passive income for us.

But the problem is that real estate is currently expensive. A large amount of money is needed in this case. But we should not force ourselves to enter a field that we are not yet capable of entering. But if you are patient and collect a lot of money. So one day we will definitely be successful in buying Real Estate if we continue to consistently collect money and make money for it.

I agree that gold is a lot better and I think that bitcoin is much better than anything we have seen, much better than fiat obviously and the banking system there is not even a slight doubt about that, but I think it is better than gold as well, it's much better option. I believe that the best thing to invest , the best asset in the world, is bitcoin and we should keep investing into that.

I agree that it is not going to be all that easy to handle it any way possible, because bitcoin is a volatile currency as well so we need to realize that we may have to hold it during bad times and psychologically that's a very troubled thing, it is not easy at all. However, if we can endure those periods then I am sure that everyone would agree that it's the best thing to invest into without a doubt.

If the reason for you to think that real estate is a good investment is because you can pass it to your children as inheritance, then I want you to also know that bitcoin investment can be pass to your children too, if you teach them bitcoin and make them to know you holding pass phrase or seed phrase they can still sell it anytime they deem it necessary, I want you to also understand that both bitcoin and real estate has their own importance, from time to time you have to do renovation in your house to meetup with the present standard that will attract individuals but in bitcoin what you need is to use a good wallet to safeguard your investment, am not saying that real estate is not a good investment, am just saying that bitcoin and real estate be it housing or land are excellent type of investment.

OP, you are missing facts, or you are less informed about facts, or perhaps you don't know much about investments. Fine, you might want easy money, and such that you can be controlled electronically, but that doesn't mean you should undermine the importance of real estate and physical properties and investments. Bitcoin and Gold are good, but that is if you are smart with them because as they can earn more for you, they can make you lose too. Also, I want you to know that these assets have their on and off seasons, so it is not all the time you will be gaining from them unless you are a trader who can be earning from them in every one of the seasons. Imagine waiting for about 3 years before you can earn again from Bitcoin. This means you are wasting a lot of time.

In light of this, I believe that you can still be smart to invest in real estate or/and other physical investments during the off-season of these assets. This will amount to making more money for you instead of either leaving the money in them (the assets) and letting them continue to depreciate during the off-season, or moving the money to a fixed USD or USD-related stablecoins that will earn you nothing. Aside from that, it is good to diversify your portfolio, everything can't be wisely done only online, which is too risky. What if anything unplanned happens? Even this online business does not work for everyone, and you should not let the joy of the moment (if you are making money from it now) cloud your entire investment's judgment and plans because what happens now might not happen in the near future. But good plans and diversification might be the answer to cover up for you during the unforeseeable times of uncertainty.

I can understand if a lot of people will choose to have real-estate in their assets because that's a tangible asset that has benefits for the entire family.
Crypto and other volatile assets are great to possess, but not all people are equip to handle this market.

Although real estate investment has the advantages you mentioned, it has the disadvantage of not providing as much profit as other options especially in the long term. Of course, it is possible to obtain high returns by investing in real estate at a bargain price or in an area that hasn't yet been valued but this isn't always an opportunity and in some cases it can give good results as a long-term investment. Of course, the advantages of investing in real estate such as renting or living in a house or land make this option attractive but I don't think it is a logical option to constantly grow the existing savings. Being able to pass on these investments to our future generations as an inheritance is certainly an important advantage but we can also pass on options such as crypto or commodity investment to future generations.

The reasons why I don't prefer real estate investment especially in the long term, are that it requires high capital and if the rental option is used the rental income amortizes the investment in a very long time.

If we store wealth in the form of paper money, then every year we will lose money. because paper money always experiences changes in exchange rates. And if we just want to maintain your wealth, then save your wealth in the form of gold, or in the form of currency, which is really stable. However, if you want to increase the wealth we have, then investing is the solution. And it is true that when we want to invest in other things such as real estate, we will be required to have quite a large amount of capital, and sometimes this is what makes some people confused when they want to start investing, they want to start but don't have enough capital. And with the presence of crypto and bitcoin, this should be a solution for those who want to start investing with minimal capital. but due to a lack of literacy and information, it turns out that there are still many people who don't know and understand what crypto is, what bitcoin is and what trading is.

In other words investing in Real Estate is not for everyone, only for those who have a lot of money. It must be admitted that real estate investment does have good prospects for our finances in the future, but the problem is that not everyone can do it, because not everyone has a lot of money.

In stark contrast to Bitcoin, gold can still be reached by all groups by investing using the DCA strategy, we can use as much money as we can afford and the profits we get in the future are higher than real estate. It is true, Bitcoin has very high risks, but this can be minimized by seeking more knowledge about Bitcoin.

Well, real estate is a good investment for me if you are capable of buying any of the lots available. Although it is not cheap because we are talking about land, It may not be a good investment for others, but most still believe that it is still a good investment because, as time goes on, the value increases.

So I don't see any loss in real estate investment, to be honest, because it decreases in value with each passing year. Unlike cryptocurrency, bitcoin is very volatile, which will increase and decrease the price value in the market. Although it is possible to earn here in crypto every day, and that depends on the idea or knowledge you have here, if your knowledge is only superficial, you will not achieve the profit you want to get.

I agree with you, and in my opinion there are two points of view when it comes to debt. where there are those who think it is bad and there are those who respond well, but as you said, it all depends on the person, if they have a good mindset, I think they are in debt for their own sake and it will produce profits later as you explained, and this is not a problem if they take out loans for good things, because just like someone who wants to start a business and is sure that it will grow and make a profit later but he doesn't have enough capital or money to start the business, then in my opinion he There is no harm in taking out a loan because the loan will be used for something positive and good for the future.

different from people who think that the act of taking a loan is bad, it is likely that they will think that someone who takes out a loan is someone who has bad thoughts, even though people are not always like that, because in my opinion someone who has a good mindset of course wants positive change. , therefore he took out a loan to start a business or something else. Regarding debt, in my opinion, this is just a different perspective for each person. and my advice is don't listen to other people who want to bring us down, if we do positive things for the future it won't be a problem.

Real estate can also be used as a long-term investment without risk, you can earn income every year from renting a house to other people and the selling value will also increase in the future. Real estate is still an investment choice for all groups, imagine if you had a rental property, you could get regular income every month without having to work.

The house you live in now can also be an investment for your children in the future, now they can enjoy the facilities as a comfortable place to rest without having to pay rent. Even though Bitcoin, gold and other valuables are being sought after by today's investors, real estate remains a safe investment because the risk level is very small.

This is normal there's no perfect system but again better to make sure that you choose a higher credibility to make sure they are responsible with the case if they meet this kind of issue. It's hit differently if they care about their users.


Its nothing wrong with having debts its depends on the people and how they manage this because if you can see rich people using their debts to create more assets and let those asset makes an earning and pay the debts few years or months they are now successfully paid the debts and having a good amount of money continuously. Instead seeking for debt and just use for luxuries things that's the time surely you will suffer then.

It is assumed that a major global economic recession is imminent and whenever a global economic recession occurs there are many banks that will officially declare themselves insolvent. In every country you will find many big banks in which people have a lot of trust but when they are caught they are insolvent and all they have to do is declare them. But it is a matter of concern what the situation of the country may be when some important banks declare bankruptcy. Most of the people like to keep money in bank because they think keeping money in bank is safe but by keeping money in bank if bank goes bankrupt they will be more in debt instead of withdrawing money from bank. We are getting to know about this in advance so we should be alert about this in advance.

I think a lot of people have lost faith in their governments and they do not trust them anymore. They also do not trust Banks anymore... seeing that the Banking crisis exposed the greediness behind those corporate entities.

People will rather invest into something, where they have the control. You go out and buy physical Gold or Silver or you buy bitcoins, because you know it is not manipulated by a central government or central authority. (accept for the Gold syndicates or cartels)

You don't just have a personal dislike for the standard banking system and the so-called "debt economy." It's a sign of a larger disappointment. Cybercrimes and online banking failures aren't just faults; they're systemic problems. Gold, on the other hand, is still the safest place to be in times of chaos. Let's not forget Bitcoin. It's a monetary revolution, not just an asset. It offers hope in finance because to its decentralisation, limited supply, and inflation resistance

You're right regarding real estate worries. It's overrated in debt-driven circus. Debt-laden real estate is a time bomb. Property is about shelter, not investment, as many people forget. Bitcoin shines again. Its ETF assimilation into mainstream finance will change everything. Nations are accumulating BTC and gold because debt economies will fail. BTC-backed economies are imminent. Bond maturity deadlines in 2026? They may be a wakeup call that 'funny money' is over. In the future, assets will matter, not digital promissory notes

Real estate wouldn't be a debt economy for you if you were buying properties in full without having debts or a mortgage to pay, the problem you are trying to convey about real estate is only for those who can't afford to buy a property of their own because they don't have enough resources for that. In reality, real estate is one of the best and safest investment methods but it's only for those who can afford it because you can't invest in real estate if you have a limited capital.

Gold and Bitcoin or other cryptocurrencies are good for those who can't afford to invest in other things such as real estate because you don't need a fortune to buy some gold or have some Bitcoin since you can start with as low as $10 for Bitcoin and maybe $50 for gold or just $100. However, your profit will depend on the amount you are investing.

That's true because real estate is also a part of a promising investment in the long run because the value of the asset can increase over time.
But the problem is when someone wants to invest in this sector it requires a large capital because real estate cannot be run with limited capital.
There are several investment models that have value and maybe from which angle we start with the availability of capital.
Gold and land for example these two investments are also quite good when someone can maximize and opportunities will exist when we have a budget source as a support.

I have seen how the real estate business, land and gold are protected and people before we may have carried out investments in several sectors and until now it has been inherited to their children.

Currently we have to have a long-term target so that there is savings for old age and family, we have to build digital assets, be it a blog platform that has been monetized or alcoin assets, every day developments require working in the digital world, so like it or not, those who master digital will it is certain that he will get big profits from all of that, alcoin, bitcoin is the solution for storing our wealth assets

Real estate is a life investment everyone want to invest his or her money so that they will have so much income to earn in the future, and it will also help you to live to achieve a lot of income and when you pass out from this world, your children will continue to maintain the investment in a way it will continue generating income to the family.  If you have the money to invest in this two investment, land and Real Estate, I will advice you to make Real estate your investment because it will serve you for a long period of time and it will reduce house rent money from you when you change your mind to live in the estate. Land is another good investment, you can invest your money and wait for a long period of time for the environment to develop before you can get a good Customer that will price the land the way you want to sell it to make double income.

- banks and online banking are the worst. Sometimes when we want to withdraw a large amount of money we have to wait a few days when it is not available right away. Online banking also has several very difficult obstacles. Sometimes errors and break-ins occur.

- Apart from gold and Bitcoin, I even recommend turning property with OP, the value of property such as land and houses has a projected price increase every year and this is worth considering as a wealth asset or investment that is clean from the debt method.

I also believe in gold and BTC as assets.  But it must be within your own means. You should invest as much as you can afford, it is not right to borrow BTC or gold and invest in anything.  The future of BTC and gold is bright.  If you invest in them, there will be less chance of loss. But I will say that if someone buys the land, the money will be safe.  I have seen the price of land is increasing day by day.  But it is a fixed asset.  It cannot be used as needed but is safe.  It is best to invest in BTC. We know that bull run is coming and people investing in BTC are going to get expected results.  Also, the price of gold is increasing day by day and there is no chance to reduce it, so I hope it will be very profitable to invest in gold.

It is true that most people nowadays measure each person's wealth based on the money they have and also people who have a lot of wealth will be more easily accepted in any environment because they will be able to ask for help from those who already have a lot of wealth, if we choose to collect the wealth we have. Having it in the form of money is not a good choice because if inflation occurs the value of the money we save will certainly decrease. It would be better if we saved the wealth we have in the form of real assets because this will be an investment for our future.
You are right, we can invest using Bitcoin whatever we can afford and we will also be able to make a profit if we do it consistently.

Isn't one of the criterias for one to be called a man or given the respect of a man these days not tied to how much is in the wallet or bank account?
Let's not pretend like this isn't a default character of almost every living being who lives in civilization and seeks a better life for themselves and family.

Assets investment always pay better than saving up cash in the bank for no good cause, because it would not add up in value unless it is invested with an expected return. To buy gold, intellectual property, investment in real estate, trading BTC pertime or DCAing till a duration and then one withdraws the capital and continue to DCA or diversify within the crypto currency market to gain useful information and best investment practice, is one way to build wealth and guarantee wealth for the future rather than saving up with no intention of ever investing it.

You're right, but strangely, a lot of people worldwide measure someone's wealth based on the money they have, and that's become the standard. Hoarding wealth in the form of fiat is not a great idea, given the looming threat of inflation. The best option nowadays is to store money in the form of assets. It's projected for future needs, as the growth of money is better when invested rather than just stored or saved.

If you're not too confident about the amount of money you have, Bitcoin offers privacy, allowing anyone to invest with just a few dollars or even without a minimum limit. Quite flexible, isn't it?

Investment is a good option for multiplication of your cost as if you invest early you will be more profitable and among precious metals I will prefer gold because in my opinion gold is a better investment and if it comes to digital asset then bitcoin is the primary source which should be selected first.

Real estate can give you profit therefore if you are economically stable then invest little by little in each and every type of investment about which you think that it will be suitable option and you have no doubt about its future but if little doubt exists in your heart then don't choose that type of investment because as doubtful you are then you will have reduce interest about it.

I agree with you, money is a means of payment or exchange that exists in everyone's life, but in my opinion everyone needs money, money is an important thing in everyday life because to meet basic needs of course there must be money first. . Some say money is everything, but not everything can be paid for with money, I agree with this, but to be precise, money has an important role in life, everything we do is sometimes related to finances.

In my opinion, saving and investing are also related to money. To save itself, of course it must be money and the amount. Meanwhile, investment may be in the form of goods or whatever, but mainly money still has a high role, for investing in Bitcoin I also think that need money to get started.

All of the major companies rely on bonds to finance their operations. For the last 15 years the companies got used to cheap money, paying only 1-3% interest on most of their debt. Without the debt market there would be a huge issue for the companies to create new projects and invest in the future. The problem companies will face now is to roll all their existing debt into much higher interest debt for the next 3-10 years. This is going to put a lot of pressure on the financing department and will likely lead to some bankruptcy. Which is why the Fed already stopped raising rates and will likely lower rates again. If the whole economy is suffering the politicians will demand lower rates again, even if this means rising inflation again. The alternatives for us are bitcoins and gold, but gold is already at the ATH, I am not sure how much upside potential is left.

For me, money is not a treasure to be kept in a bank, money is a means of payment, a medium of exchange, that is written on every piece of banknote, understand the meaning.

So it's better for us to be smart in using money for saving and investing. If you want to save, it's safe, the value doesn't go down, and liquid (easy to disburse) is gold. But if you want to invest (make a profit/increase in value) there are many choices, such as real estate, or the more modern bitcoin investment. Of course these three assets will strengthen our finances in the future.

The reality of Bitcoin can only be sensed if we hold it for long terms. The sweet fruit doesn't grow overnight, you need to ripe it first. I do not want to go in complexion of comparing whose great and not because over the time you get good returns on worst asset too. For example, Bitcoin or Real estate or Gold, all of them will hrow to new ATH with the time. If one is scarce in supply then other is becoming scarce due to external or internal factors that increases its value enormously. If we buy land and bitcoin today of equal value then imagine in next 20 years that land will be affected due to its surrounding demand. Maybe there is big township developing, or population is growing faster which eventually will add the value to it. Apart from it, in case of Bitcoin its supply will be limited and limited with higher network difficulty thus making it more demanding for possession. I think thats how we will see rise in all of the assets we hold. Its just matter of time.

Even today the cost of building a house has increased almost twofold. So it is not surprising that in the end house prices become quite high from year to year. Because the price of land and the cost of building it have also increased. And that is why currently many people have difficulty owning a house. So we meet many young couples who prefer to rent a house instead of buying. Because rental costs are sometimes cheaper than paying for a house in installments. But from a business and investment perspective, real estate remains profitable and has potential. Building property and creating elite housing, for example, can also make us have much bigger profits.

But the problem is capital. Although many have the courage to get capital from loans. But to get a large loan you also need large collateral. So for those who don't have a lot of real estate to begin with, it's impossible to enter that field.

Gold and Bitcoin are two things that are more accessible to all groups. Both people with small capital and those with large capital. So it is not surprising that investment growth in these two things has increased rapidly. I also have investments in this field. But later, when I have enough money, my goal will still be Real Estate.

Even though it is difficult, not having money is not a reason to start investing for the future, regardless of whatever investment you want to make, but I am sure it can be done as long as you have a strong desire, because all investments can be made on a small scale first.

Personally, at the moment I tend to be more confident in investing because my mind is increasingly open due to the amount of investment knowledge that I know and in my opinion it is better for the assets we have now to turn into something that makes it possible to make a profit rather than remaining motionless even though that will also It's risky, but I think it's worth it.

Money is not a problem, but for some people they just think that money is a barrier for them to start something really good like some of the things you have mentioned (precious metals, real estate and Bitcoin). However, that doesn't mean that this will be a barrier forever for people who still have the desire to make their dreams come true through these three things because remembering that these three are future investment options that are absolutely not wrong to choose.

Nowadays it has become very difficult to trust the banks of our country. Many banks are already on the verge of bankruptcy. So now people want to keep their wealth to themselves. Gold is very trustworthy to people when it comes to investment to manage their own control. However, compared to other investments, the profit margin in gold is very low. Even though the profit share in gold is less, people prefer to store gold for security of their wealth. But now people are thinking of investing in Bitcoin in the desire of high returns from digital thinking. But I think like banks, investing in Bitcoin involves some risk to your capital.

If money is not a problem, I will surely invest in precious metals in the form of collectible coins, then real estate and Bitcoin. All of these assets are future proof so it is for me the best choice of investment right now.

As we live in digital era, it is very efficient to use digital currency nowadays, like what you've said, most people are currently using digital payments which is more convenient for us but when it comes to a digital currency, we are all aware the risk of it, by being volatile. I agree that sometimes It's not safe and not worth it to save money to banks because of low interest and most cases today are robbed and scammed their banks which shows lack of system privacy, but both bank and crypto has their own risk.

     -   I agree with what you said that it is not safe to use online banks; many bank holders who have used them have had their accounts robbed of money. So that means it is not really safe, and your money will be at risk there.

Also, the digital currency in this era, especially in digital payments, makes it easier and faster for the transaction to be completed; in short, it becomes more convenient compared to the physical transaction, which usually becomes a hassle.

That something doesn't work for you doesn't mean it doesn't work at all and you shouldn't  speak bad against it. Real estate is one of the most profitable investments because land is in fixed supply and land investments appreciates very well if  acquired in good and developing site, at my side in Nigeria, my father bought a piece of land in 2007 for two hundred and fifty thousand naira $(230) and he finally sold it off  twelve years later at twenty million naira $(20,000) after the place has experienced significant development and population density increased.

Gold is a valuable investment as well as BTC, real estate is still good and more importantly, a good investor spreads his investment into more  than 1 profitable ventures to minimize his risks. Investing in all of them isn't a bad idea at all cos they all have good potentials and mostly investing seriously in BTC today has the highest potential because of next year's halving. Everything is good, but a good businessman will choose the very promising investment for now which is BTC, after the halving and possible great gains, he can  invest his proceeds on other streams above.

For a long time, real estate has attracted a lot of attention and people are investing heavily in it. I am surprised, but starting a real estate business costs a lot of money, the model is changing every day, and people are adopting the use of smart houses, which makes it expensive to buy and expensive to maintain. After food, the next most important thing in a man's life is shelter, and the issue of housing has been around for a long time, with the only difference now being that it has always been modernized. And one of the issues confronting every nation today is the issue of housing and poverty, with most houses built being unaffordable, exacerbating or exacerbating the housing crisis, which is a global issue.

And all of the assets you chose are quite interesting. Gold is gold because it is an asset that does not require any form of maintenance and when you are ready to sell it is no big deal and does not cost much compared to starting up a real estate business. Bitcoin is also a good choice, but proper research is always a good one before you go into it.

I have been using online banking transactions since it was first introduced to the clients, but not even once did I have any troubles using it. I believe you won't be able to encounter any if you know how to the banking app safely. So, your account's safety doesn't only rely on the bank itself, but it is you who will play a huge role in keeping your assets safe. Therefore, I kinda disagree with this one, while agreeing that gold could be a good way of storing your wealth at the same time.


I don't understand what you mean by you losing fast when you put your money in real state. Properties don't rot nor stole , the value of it appreciate over time. Sure, business is like gambling, it doesn't always means success, but real state is one of the businesses/investment that bears lesser risks compared to other business models.

If we can avoid debt, of course we can manage the income we have well, but for some entrepreneurs, of course they take loans for their business needs so that they can grow with the additional capital they have and also they understand well the risk management of the loan they will take for their business and they will be able to repay the loan.

Yes, you are right, every entrepreneur will of course take a loan to develop their business and this depends on the business they are running and I don't think there is anyone running their business who doesn't have a loan because it is very difficult to be able to run a business with little capital.

It's interesting to see posts like these, but the reality is 99%+ of the world are still happily using traditional banking and finance structures that work very well. Your point about "banks don't work" is silly and a blatant lie, because it is what is currently underpinning the world economy, so you seriously misunderstand how things work if you think that is true. There is definitely space for decentralized currencies to replace normal paper based currency, but we are still in the infancy of it right now and it has not quite been mastered yet. You don't need to worry about what people are doing with bonds, because they've been doing it for centuries before you were born and will do so centuries after you are gone.

You can cashout gold anywhere in the world, even if it is a place which is yet to see electricity because gold is known to as an assets for humans that much long.

Online banking is made for your convenience and to reduce the resources used by banks so its not meant for as an investment but you can trust banks upto a certain level because the money you deposit is insured so if anything happens you won't lose them 99.9% of the time.

You said your not an economy experts yet you try to sound like one  who is convincing and at the same time confusing. Yes, all bitcoin enthusiast trust in bitcoin if not they wont venture into it at the first place. We wished the future of money could be bitcoin and that everything should be done privately without any third party. Still at that we dont want anything that will link bitcoin and the government. I am more comfortabe with the way it is now, ll i want is more adoption am not too conerned about countries making it a legal tender.

The value of bitcoin is fast arising to gold and real estate. With the proof of market capitalization. Currently you cannot say the real estate system is expereincing a debt economy. Even if it is, its just for a short period of time. The ROI in real estate is exponetial. You know what that means and you can be a billionaire in 5 years if you plan your real estate journey properly.

There is revolving advantages and disadvantages between the above real estate assets and the Bitcoin including the gold.
Contrarily, assets has a more reliable potential that can always beat the inflation and deflations. It is basically not flexible to volatility such as the gold and the because but yeah, it is potentialed to lost (destroyed/damaged) or looses its values risk at the times of crisis while Bitcoin and the Gold is at under the control of its holder meaning it beats the mayhems of economy crisis could trigger.

The worse banking errors to be experienced is when you are denied in the bank with one excuses to the other such as the network issues, insufficient funds at the bank the transactions delays such as the queues, the government at its autonomous objectives that overrules.
The funny side about fiat of the bank is that your own personal money in the bank is never yours untill it gets to your hand.  The financial regulatory authorities has a dominion and unquestionable to the general public because the fiat at the bank is under the governments control.
I most times believes inflations is always and alleged program projected to enrich the governments and its related authorities more .

What I like about you is that you clearly state that you try to stay away from debt. Where as most of the businessmen are burdened with various loans you are planning a business without taking loans, loans are full of money if the money is not paid back on time then the relationship is never good and good relationships are wasted for money. All the small businesses I have seen are saddled with various debts. Big businessmen take loans through banks and small businessmen take loans from different people the position is different but the meaning of the two is the same. In reality there are many businesses you need to make sure which business is right for you and find the right system to make that right business.

So you think that real estate is debt economy, but BTC, gold and fiat currencies aren't a debt economy? Really?
Many investors borrow money to buy BTC or gold. Isn't this debt economy as well?
Fiat currencies are based upon fractional reserve banking, which is debt economy in a nutshell.
Capitalism is based upon loans and debt. Crypto is simply another form of capitalism. You can't take away debt and loans from the crypto industry.
I agree that mortgage loans help for artificially pumping the real estate prices. The problem is that no government in the world has the balls to ban mortgage loans completely. I guess that North Korea is the only exception.

Brother, I don't know what country you live in but in the US I rarely see houses or land passed down through generations anymore--and I think that's primarily because the government taxes its citizens to death, and if they're left with real estate when they die, it's actually a burden if any heirs have to pay all the taxes and whatever else comes with taking on a property.  My gut tells me only the wealthy own land for more than one or two generations anymore.

It's too bad, because what you said is true.  If shit hits the fan (like the power grid goes down or some other catastrophe), having a home and land of your own would be an extremely desirable thing.  Oh, and a nice cellar to store all the prepper stuff.

Every asset is advantageous if a person is confidential about its saving, gold is also a good asset if it is kept for extensive time same is the case with real estate which when time will progress then it will build up in its value but the main difference between all this asset is the volatility which means that Bitcoin is more volatile as compared to real estate and gold.

The major function of real estate is that there is no doubt about it actuality in future but we don't know that whether Bitcoin will alive or not as many countries have not yet accepted it where as gold and real estate is used for investment purpose from centuries. According to my experience the better way to earn money is to build a house and then give it on rent to others so in such situation if you are not ready to do a job then your rented home will help you to get income during unhealthy situations.

I am agree with the success of Bitcoin but real estate and gold is a understandable by every individual whether he is younger or elder but in our country Bitcoin is still a hidden investment opportunity maybe people are fearful of its volatility or maybe they are the like better real estate more than Bitcoin.

The issue is that real estate is very expensive and only the rich have the money necessary to buy a property outright, so the majority of the people out there have no other option but to ask for a loan and pay their house for decades.

However if you are responsible with your money and you can save a small amount each month, you could use that money to give extra payments towards your mortgage, and while at the beginning this may not seem to do much, you could end up paying your home much earlier, which is always nice as you will not have to worry about such a huge debt from that moment on.

Gold has found a place in society long before fiat currencies were created and now gold is still one of the things that is able to maintain value. Banks are trying to offer gold investments with applicable terms and conditions, I mean the amount of trust in gold is still increasing among the wider community at this time. Crime in cyberspace regarding online loans is unavoidable and many people are even trapped by this system and if someone does not have control over their finances then the money will never be productive.

Getting involved in a debt economy will complicate our economy and this should be avoided because indirectly getting involved in unproductive debt will create new problems. Real estate is good for people who have large amounts of money because this sector is also quite promising to double your money from profits. The policy to maintain financial freedom is completely in the hands of each of us, but whoever is able to take advantage of it will be the winner.

You are right that it is not at all advisable to enter into any long-term investments using borrowed money. Because the loan money must still be paid within the specified time. Meanwhile, long-term investments will not necessarily bring profits when the loan has to be paid. So yeah, we have to avoid borrowing for long-term investments. Not only in Real Estate but also in other long-term investment instruments. Even in bitcoin. And that's why currently more people are investing in bitcoin because it doesn't require large capital. We can even accumulate little by little. Likewise with gold. We can buy little by little. This is different from Real Estate, where you have to immediately prepare large amounts of money. And of course investing can only be done with money that we won't use for a certain period of time.

It depends entirely on where you live in the world.  Real Estate is often a fantastic investment, and owing debt is not necessarily bad at all.  I believe your view is a bit flawed here.

I mean you mention btc, gold, no real estate. Well what about traditional investment?  No one should be buying gold, silver, bitcoin etc if they don't have a proper retirement portfolio such and IRA of 401k.  Investing in the stock market is to to be investing in actual real world physical companies.  Far too many people start buying bitcoin before having any sort of traditional investments ..DONT DO THAT.

Gold has been around for centuries. It’s served as money as well as a valuable piece of jewelry. While a lot of nations may depend on dollar for there reserves, gold continues to be one means by which reserves are kept for all nations of the world. Gold has been the future of many generations and would persist in this order. That’s because, it agrees with the systems of the government of our time.

BTC on the other hand is where we’ve got a complete different scenario. With the case of utilization still widely debated and the whole idea looking like a revolution to what is consistent with our world today, BTC might take some time before it is given its space in our world.
With it working by the consensus of the people, I’ll say it’s agreeable to persist.

You are right not to trust cash because we all know that inflation in many countries has risen in recent years. Especially for a long time in cash money is a big mistake. Until recently, this was not a big problem in my country, but the depreciation of cash money reached incredible levels with an increase in inflation, which showed us that it was a mistake to stand in cash.

The real estate issue is changing in my country. It is a very advantageous investment that has a lot of disadvantage at times. It is really difficult to predict the time when this will be advantageous or disadvantageous.

All mentioned are great be it btc or gold or cash. In case of cash in Nigeria many already changing to $ in other to preserve value or mark margin, smart moves, but what of countries with stable currencies that's why real estate comes in because most of the time aside from Natural disaster it will appreciate or retain value even during distress sales

In Nigeria as well I always advice people to put their fate in real estate and Bitcoin as cash in bank is not advisable but with all good things said they all have their drawbacks

Of course Real Estate is definitely the most desired thing in this case. But the problem is that not everyone is able to enter this sector. So in reality not many people enter this sector. Unless you are upper middle class. Or if you are in a village some distance from a big city. Because in the Real Estate area it can still be reached by all groups. But in big cities entering Real Estate investment is not very easy. Because it requires large capital.

But we should have a goal there. Because demand for Real Estate will definitely continue to increase from year to year. And the price will continue to rise from year to year. But we can't expect any short-term gains from this one. Because this is only for the long term. And for comfortable and strategic areas far from conflict and war.

But don't let us force ourselves by entering Real Estate with borrowed money. Well it is not recommended because it takes a long time to get profits. I also like Gold as much as OP. But I also don't dare put a lot of my assets in gold. Gold for me is better to save as an emergency fund. Because gold is easy to cash in and everyone is always willing to accept it.

Well the real estate will be very volatile it's like long wick short wicks.
It's best to wait few years with real estate i know a lot people will fomo in real estate but market will be very volatile same thing with cars the used cars.

The assets that I trust most at the moment are more about Real Estate and Property. Although I don't have many yet. But I would like to have more in the future. Because the price growth is clearly visible from time to time. And sooner or later property will always be needed by people. Considering the human population which continues to grow rapidly at this time. Physical gold is my second choice. Because in terms of storing value, gold is number one compared to others. But way I make storing it, which must always be safe, really difficult for me. the third currently is digital assets such as bitcoin. I chose bitcoin based on the development of the digital world and the technological era which continues to develop rapidly. Sooner or later everyone will adopt it. I believe it. So I accumulate it from now on. I only use banks and fiat in daily transactions and they are still useful today. And everything can coexist in the future.

For me I trust Bitcoin/Gold but I don't trust cash. Most of the world's economies suffer from inflation, so I cannot trust cash anymore. Yes, cash is better than banks and electronic accounts, and I prefer to use it in daily transactions, but it cannot be trusted in the long term because it constantly loses its value.

As for real estate and property, I think that real estate and property are a good field for speculation, at least here in my country. I do not know much about real estate in other countries, but here in my country, real estate is a very good field for profit and speculation, and some here consider it a safe haven and buy real estate to preserve the value of their money.

It's an interesting topic because people have always been lost between assets that have 3 basic properties: liquidity, stability and appreciation and there's no asset that excels in all 3.
For instance, real estate is stable and can grow in value pretty well, but it requires maintenance that take some of the profit and usually aren't very liquid. You need time to sell a house and get all get all the papers signed. If you buy a car it's going to most likely lose value, so it won't have appreciation at all, but the market will be pretty stable and liquid. If you choose to buy a rare painting, most likely it's not going to be a liquid item and won't generate incredible profit, but will offer decent price stability. Bonds, just like bank deposits offer a bit of appreciation, decent stability and decent liquidity. The problem is that if you account for inflation you come to a conclusion that you're not making any money, just enduring.

What you own depends on your character. I'm a bit of a prepper so for me liquidity is the most important, appreciation is second and I care the least about stability, therefore bitcoin is an ideal asset for me.
I have some liquid and some illiquid assets and out of my liquid ones almost everything is in bitcoin. I have some money in the bank and some cash, but all my fiat money is not even 10% of the value of my bitcoin.

My father, who was raised in a socialist state, used to have 80% in a bank, 15% in cash and 5% in gold. This shows how different we are as people and as whole generations.

OP's view of investing in real estate is based on his country or experience. Some countries pay very high property taxes which can make the business unprofitable. But in some countries, property taxes are considerably low which can make the business lucrative. An example of a troubled or unprofitable real estate sector is the Chinese market. Many real estate business owners in China are currently going through a hard time that is crumbling the sector.

Banks are not trustworthy because they are under the control of the people and the government. Bitcoin gives you total control over your funds if you keep them in a non-custodial wallet because you have full control over your private key. Bitcoin has also proved to be a good hedge against inflation in most countries that are going through high inflation. It will be unwise to keep your money in banks where it will gradually lose value over time. Bitcoin is safer, more convenient and more profitable.

Online banking generally works really well in my country, so people don't face many issues with that. As for gold, I'd be somewhat afraid of a robbery to buy and store it somewhere, not to mention that it doesn't appreciate in value much and there isn't much point getting into gold if you don't have a significant amount to invest. It's also harder to sell fast, compared to cryptos, and it can't be used for anything directly, unless it's jewellery one can wear.
I disagree with the op's prediction of future money being backed by gold or Bitcoin. We're already past the gold phase, and Bitcoin is way too volatile for that to make sense.

Btc legal franwork ? ...btc is listed on instutional exchangers and there is a lot long story about London USA Market exchangers regards btc and eth...Im not gona go into full details but btc is not funny asset for very influential people the smart money owners.
Even If they take btc away from the most important exchangers wich is allready connected "market-center system" there will be a lot info before it happens and they have to give notice to the very wealthy and important instutions before they can remove btc.
To taking in all those facts i know my funds are safer in btc then in bank.

"btc / gold and cash" have solid security to trust these types of financial assets?

BTC  -this is an asset whose future within the legal framework remains in question because it goes against the interests of regulators.

Gold - after the price drop in the 80s (if I’m not mistaken), it has still not recovered to its previous levels.

Cash - just cut paper, the value of which is easily nullified with the new monetary reform.

everything is in a  gray area when you are  constantly alert but on the other hand try to advise yourself by  keeping it with a third party. Isn't that the same as giving up your rights? Gold and real estate have risks even Bitcoin has the same risks, here we cannot  play safe if we are not ready to face the risks. Because if there is a safe choice then  everyone in the world will experience wealth equally. Therefore there is always a risk for those who dare to bet.

Likewise with mortgages if you look at the profit cycle during the covid 19 pandemic it is clear that there is a big bubble that provides multiple profits. When placing any investment if you are able to understand the market situation and conditions then you can play in it. Now that the era of digitalization is almost familiar Bitcoin is the top of the chain where everything will lead to the same point.  Mass adoption has shifted towards increasingly expanding people access in the world,  they just need to make a  decision and be ready for all the risks.

Debt is just a tool like the other assets you have. Staying away from debt religiously is not a wise move. If you take advantage of the low interest rates, debt is a very good way to get rich. I probably owe 30% of my total net worth to the debts I took in the past before the central banks started raising them. When I did that, the rates were low and the prices were skyrocketing. Now the inflation is a bit slowed down because of the high rates but do you know what didn't happen? The prices haven't come down and they won't come down. (low inflation != price drop) They will still go up and more slowly now. That means every loan I took made me profits. Thanks central banks. I owe you one.

OP, you got the idea wrong on real estate. This is an asset that will always increase in value because humans needs shelter to hide their head and start a family. All three assets that you mentioned are very good asset and anyone that has an investment in all has overcome poverty. Bitcoin is the new one amongst the other and and due to its volatile nature, it has become one of the best but I don't think that it has been approved as a safe haven yet. I don't think that they will stop to use real estate as collateral as long as we are using fiat, it will be impossible because banks and government are in charge of fiat, if bank wants to give you a loan, they will always prefer house property, because they can easily use the property of sell it off and get their profit. Unlike bitcoin that is volatile in nature. What you said about gold is true because it is already a safe haven.

In terms of investment, Gold is already proven and tested by the public, so yeah. But, I'm not really sure if Bitcoin will be on that same level because what if there will be a banning that will happen again on Bitcoin? There are reports that a bank can go bankrupt and this scares the people but not all banks are like that.

There are people who don't trust their selves on handling their own money, because they lose it easily. There is also a worry about being robbed inside their homes. So, they can trust others to handle it. The banks serves different purpose than Bitcoin and Gold, so expect that there will always be people who will use them.

Someday I hope to get into real estate because it is an aspect that is always evolving. IF you look at the building structures from let’s say 30 years ago, you can tell the difference. And who is making all that money? The real estate investors of course. And yes, you can also live in it like you said, but I’ll rather get into it to make the money in it. Who knows what houses from the next 100 years would even look like? Real estate is always evolving.

Yep, if we only talk about material wealth, I think it is never enough to understand the whole nature of this issue.
So what really is the core of wealth that we seek here? Is it simply material things, things like knowledge, spirit, health... are also part of the wealth of each of us? Instead of just wanting to improve material things, the crowd often ignores what remains and lacks the balance of life. Like the way I come into contact with people who have millions of dollars in accounts, but they still cannot be satisfied because they do not understand the balance of life, blindly chasing after material things such as money, gold, real estate... even bitcoin... I think it's just an opinion that people don't see yet because then they can have/don't have to continue using the material to search for the rest.

Couple of my observations where I am aligned with your thoughts and not aligned:

1. Gold will always remain most trusted source as it's there for centuries and will continue to remain. The only challenge is the storage and security If you are holding physical gold. We have Sovereign Gold  and this is better option as you get little annual returns as well. Gold may not be in par with inflation but it is certainly most safest investment.

2. I strongly disagree with your views on real estate. It gives you a place to stay, you can rent it out, collaborate with builders or business. It gives you multiple stream of income.

Gold is trusted by all as it has been used for investment since ancient times, but Bitcoin is still new compared to gold but still it has gained a lot of popularity in a very short period of time.Gold is still backing money as countries print their own currency based on the amount of gold they have. The banking system may have flaws, but we are also provided with a lot of facilities and as far as the safety of our money is concerned, I think our capital is safe in the banks.

Some banks may not work online ,but many banks are working well online, and they are treating their customers well.Bitcoin is also considered to be the most secure, but I think wherever you store your bitcoins there are still risks of hacking. So you should worry about protecting your money in Bitcoin more than the bank, because one mistake on your part can cost you your assets.
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I also agree that the future will be governed by Gold and BTC.  People have lost faith in the banking system as banks in many countries have gone bankrupt.  So people prefer to keep their money under their own control. Also investing in gold and BTC is safer than anything else.

Except everybody would be able to build their own houses, real estate would always be a lucrative investment. Of course, it can crash, but it's one of the investments I know that will always be relevant in this world.
Real estate like every other investment has the possibility of crashing, stocks crash, just a few years ago, Bitcoin was at $16k from an ATH of $68k+. It's not different from real estate.

People would always need a place to live, an office space, a place for their businesses and events, hotels and restaurants would always be a thing. As long as these things are still in demand, real estate will always be a relevant investment.

There's no single investment without a risk, the risks may differ but there still risks.

I also think so, if the amount of bitcoin remains fixed forever and will not change then I believe a country's currency will be supported based on that country's ownership of bitcoin. we will soon enter 2024, my prediction is that before the price of bitcoin hits its ATH, we will see how many altcoins will follow its price. For the past few decades, gold and property have always been used as measures for rich people. In the next few years, Bitcoin owners will also definitely be included in the middle class category.

Everyone one of them have advantage and disadvantage, but I do agree that cash is still the king.


That's been the history of real estate and housing in the US. I'm sure you know of some famous people who uses DEBT to buy houses and sort of invest on it during downturn. But I say that strategy is not for everyone.


Of course, we don't want DEBT in any shape or form, it will just pull you down and as I have said on the other thread, there is a big risk on getting a loan or debt to start your business.


I'm also not a expert, but if bonds will mature on 2026, possible that those money will flow to Bitcoin as it has been proven to be a good hedge? We will see.

Digital payment methods are convenient because you don't have to count the change, don't risk getting fake notes, all the money that you need are on one plastic card and if you lose it, you can block it and issue a new card, while losing a wallet full of cash has near zero chances of seeing it again.


Real estate generates income. Even if the prices will crash, people will still rent it and the prices will go up again after some years. It's not a purely speculative investment like Bitcoin where you only care about the price.

that is why i think real estate is a good investment you can live in it and pass it down to your children and if they want, they can sell it at some point

land is a fixed supply which is why real estate is considered to be a safe investment you just have to pick out a good location

I trust btc / gold and cash.
It's too bad many of us experinces a lot banking errors like the online banks don't work and cybercrimes in otherwords our money is not in safe and all those online bank wallets not always working good.
Gold offcourse If you can hold it where good place to storage i trust physical locations for example London and i can get credit on my gold collateral aswell

I don't think real estate and property is area of speculation i see real estate as place where to live and good for people to have some place to live as home.
The real estate prices don't make any sense because they are in the DEBT ECONOMY i stay away from debt economy yes you could make good profit but since debt economy bubble can pop it can trigger fast and you might not get out you can lose fast.

I stay away debt and i don't play or speculate things what not backed of any value.
One day all those debt economy gamblers will learn Lesson hard way , yes you can make money like taking the mortgage and then renting out ....but here is the thing it's like a gamble you can win a lot but can lose fast.

Future of money sound money after ETF approved all the way Will finish of funny money but Money will be backed by real assets with limited supply.
So now the countries buying gold and btc , why because they know that debt based economy not sustainble.
I belive future of money Will be backed by BTC and gold and If you want to borrow money you need gold or btc collateral.

Now Im wondering what they will do with all that bonds wich will have maturity on 2026

Im not economic expert i just think people have lost their guard too confident to trust something what does not have solid security.