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I'm stacking Bitcoin for my kids' future instead of trading, and the hardest part isn't what you'd think

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I've been a dad for years now, and somewhere along the way I realized I wanted to leave my kids something real. Not just money, but actual wealth that could compound over their lifetime.

I'm not rich. I don't have some seven-figure salary. But I made a decision about few years ago to stop trying to "beat the market" and just... accumulate. Specifically Bitcoin. No trading, no leverage, no trying to time dips perfectly. Just consistent buying.

Here's what I'm actually doing:

My goal is 9-10 BTC over the next 15-20 years. At today's prices (~$115k), that's roughly $1M. But here's the thing, I'm not thinking in dollars. I'm thinking in whole coins. Five years ago you'd have needed 90 BTC for the same dollar goal. Today it is 10 BTC, and in another five years, maybe 1 BTC will be enough. The point is owning the asset, not chasing a dollar target that inflates away.

I set aside a fixed percentage of my income every month. Some months it's painful. Car repairs happen, medical bills come up. But I've learned that if I skip even one month, it breaks the rhythm and I never catch back up.

The two things that almost derailed me:

  1. Fear when the portfolio grew: Once I hit about 40% of my goal, the volatility started to hurt. Waking up to a 20% drop feels different when it's real money you've been building for years. I had to retrain my brain: drops mean I get to stack more sats for cheaper. Still working on that mindset honestly.
  2. Boredom around the initial months: The process is boring as hell in the beginnings. It's not exciting. There's no dopamine hit like trading gives you. I got tempted to "just try" a 5x long. Didn't do it, but the urge was real. Consistency is way harder than I thought it'd be.

I'm not saying this is the only way or even the right way. I'm not a financial advisor and I'm definitely not telling anyone what to do with their money. But for me, the question became: what's the point of gambling my way to a short-term gain if I lose it all on the next bad trade? I'd rather own something I can't get liquidated out of.

My kids are still very young. They won't touch this for 15-20 years. That time horizon changes everything.

For other parents here: Are you doing anything similar? Or do you think this is too risky/naive? Genuinely curious if anyone else is taking this "boring consistency" approach or if I'm just coping.

submitted by /u/SwimmingClear9819
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