A collection of my educational 🧵 on personal finance and Bitcoin 1/

@KidBold Add one more, please, Deep Work by Cal Newport

I’m ending 2025 with a portfolio of 3 Nigerian stocks. My focus in to keep adding them then as they keep getting overlooked and trading at a discount. I either win or win a lot years from now leveraging on compounding effect + patience.

Compounding is what happens when we stay consistent with tiny little habits and with time, they stack and the result is phenomenal. Habits compound. Good and bad.

You need to have a proper defense strategy set up in your portfolio. Doing this means you always have uninvested cash (liquidity) in your brokerage account and have cash for emergency. It also means having all types of insurance (home, car, health and job)

A single minded focus on a goal beats trying to do too many good things at the same time. You’re probably familiar with the saying; “all roads lead to Bitcoin,” but you probably don’t believe. Keep watching from the sidelines.

I’m proud of the incredible work these devs are doing on freedom technologies. Just 5 years ago when I sent this message to @ihate1999, we didn’t have a room, now there’s a whole room full of you! See you in Mauritius! I’m looking forward to this!

Bitcoin has outlived and survived any major threat against it and this time won’t be different. The question is, are you patient enough and strategically positioned or you’re just a maxi or even just a degen?

Learning to manage risk in investment and finance is an underrated risk my retail investors. They like to blame the market and everyone else when we experience pullback in the market but like to take the credit and flaunt fat PnL when the market is booming. ;-)

Bitcoin is experiencing a mini bear market and loads of people are crying at the moment. Skill issue. SP500 and even the NGX is currently experiencing a pullback. All normal in the market. The worst thing to do is panic sell

BTC is in a downward trend & it has maintained 30% correction and it doesn’t look like it is done yet. $86.9k

The way Twitter algorithm works now, if you seek out certain posts, it’ll serve you more like it as it becomes a feedback loop. If you often browse sensational and pessimistic posts, you’ll get more of it.

Start small and never invest more than you can afford to lose. /end

When you buy an ETF, you don't actually own the Bitcoin. You CANNOT use it to pay for things. You CANNOT send it to your own private wallet. You are trading the control of self-custody for the convenience of a traditional, regulated investment product.

[3] No "Yield": Unlike a stock, Bitcoin doesn't pay a dividend. It's a speculative asset. You understand why it’s often suggested to make it 1-5% of your portfolio (don’t be greedy).

Before you invest a single dollar, you must understand the risks: [1] Extreme Volatility: This is the big one. Bitcoin's price can (and does) drop 20%+ in a single day. You must be prepared for this. [2] Regulatory Risk: The rules for crypto are still evolving globally.

At the same time, you gain exposure to the potential upside if the asset performs well (and spot Bitcoin ETF $IBIT has done 89.4% CAGR in 1.86 years).

So, why that 1-5% figure? The idea is asymmetric risk. Bitcoin is a highly volatile, high-risk asset. But by keeping the allocation small (1-5%), you limit your potential downside. A total loss would not destroy your entire portfolio.

Management fee The main cost is the "Expense Ratio." This is a small annual fee (e.g., 0.20% - 0.30%) that the fund charges for managing the ETF, securing the Bitcoin, and handling compliance. This is the price you pay for the convenience.

How does it work? It's simple. These specific ETFs buy and hold only one asset: physical Bitcoin. When you buy a share of the ETF, you are buying a share of the fund that holds all that Bitcoin in a secure, regulated-custody solution.