Bitcoin wealth levels and primary focus: Stage 1: You have less than $1 million worth of BTC Primary focus: Capital Accumulation Get to $1 million worth of BTC as quickly as you can. Today that's 8.69 BTC. Soon it will be 6.15 BTC. Then 1 BTC. Stay laser-focused on your business until you bank your first 7 figures. Do not waste your finite time and attention thinking about trading in and out of assets at this level. You should be stack-only. Focus on being useful to others like the robots are coming for your job. Because they are. Don't think the path you're on will get you where you need to go? Then change your path. Channel your efforts into opportunities with uncapped upside and use various forms of leverage (personal brand, AI tools, code, relationships) for non-linear growth. Just remember: Working harder isn't the answer. You can accelerate your capital accumulation if you work smart. Just make sure your upside isn't capped. One unit of input should lead to multiple units of output. And your work should ideally compound like your assets. Where to start? Helping other people make more money in their business is a good rule of thumb. E.g. AI is a new tool that few people know how to use effectively. So help them leverage AI in their business. There's a million niches within that one obvious idea. You can figure it out and make anything happen. If you want to. Stage 2: You have between $1-$5 million worth of BTC. Primary focus: Capital Allocation & Preservation At this point you should increasingly focus on your own investor psychology, mindset, and risk management. You have some momentum at this stage. Keep it rolling. Keep stacking Bitcoin and milking your personal cashflow. But realize that you're closing in on escape velocity. And your main job is to not screw it up. BTC's 40-50% CAGR means you're looking at adding $400-$500K to your net worth on autopilot. When taking taxes into consideration, that's like earning close to $1 million per year in income and saving all your after tax income. Something that very few people ever manage to do. This is the point where your BTC starts to make money faster than you likely can through your own effort. Which means you should shift a portion of your time into mastering your investing psychology. You need to be mentally prepared for likely market scenarios. You need to have a plan. You need to know yourself, and know how you'll react when volatility strikes. Do you need a cash pile that helps you sleep at night? How long of a runway do you need to not panic sell the next dip? These are questions you must address. You're on your way to generational wealth. And you cannot afford to screw up at this stage. Stage 3: >$5 million in BTC. Escape velocity. Focus on Time Allocation. Many people in the fiat world don't see $5 million as "enough" to retire. But that's because inflation is usually outpacing the returns of their "safe" investment portfolio. But if you have $5 million in BTC, you're adding ~$2 million to your net worth each year, and it's compounding (as long as you have a long time horizon). You can spend $20K-$25K a month and still watch your wealth accelerate. At this point, you should take a minute to recognize that the future is uncertain. AI and robotics will soon change everything as we know it. And you will never have as much time as you do now. At this point, you need to be deliberate with how you allocate your time. Imagine you only had 5 years left to live; would you be spending your days as you are now? What would you change? You've essentially solved the money problem. Now your focus should be on how to live well in a way that doesn't require extreme extravagance. That way when you get to $100 million net worth in the next decade you know how to enjoy your good fortune without relying on ever more money to do so. Find activities that you enjoy and that you can compound over the long-term. Do things that make you feel alive and don't lead to a "hangover" later. Prioritize your health and family. Congratulations, you've won the money game. And your reward is that now you get to pick a new game to play. Choose your next adventure wisely.
Caveat: Do NOT use AI for your personal brand. It's very obvious to anyone with a brain. You may think you're fooling people - but you aren't.
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