🧠THE ROTH IRA IQ TEST🧠 Imagine this: You max out your Roth IRA every year for 45 years. You follow all the “smart” advice. You invest in the S&P 500. You get your tidy 10% CAGR. You retire with $5.5 million. CNBC claps. Dave Ramsey salutes. You feel like a financial genius. But here’s the math no one shows you: If you had just bought Bitcoin instead, same $7,000/year - you’d retire with $28.8 million. On a CONSERVATIVE estimate. Same contribution. 5× the outcome. Why? Because extremely conservatively, BTC will have a 15% CAGR, and the S&P limps along at 10%. Now let’s talk about opportunity cost: Every year you max out your Roth and choose the S&P, you’re voluntarily lighting future millions on fire in exchange for the smug comfort of being “diversified.” You’re tax-shielding mediocrity instead of asymmetry. You’re locking in fiat-denominated exposure to a dying empire while the parallel system (Bitcoin) front-runs the collapse. Bitcoin is finite, self-custodied, and on a 120-year monetization arc. The S&P is infinite QE hopium, backstopped by money printers, buybacks, and 401(k) inertia. You don’t need to pick stocks. You don’t need to time the market. You just need to understand exponential math and the endgame of fiat. So yeah, max out your Roth IRA. But if you’re buying the S&P instead of Bitcoin inside it, you’re not investing - you’re cosplaying as financially literate while hemorrhaging your time-value potential into BlackRock’s lobster pot. Repeat after me: “I will not subsidize mediocrity with tax advantages.” I will buy Bitcoin and let compound interest work on a finite asset, not a basket of terminally inflated zombie corporations. Your future self - sitting on $28M in untouchable Bitcoin - will thank you. This is not financial advice. This is financial entertainment.