Latest posts
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Crypto-Backed Loans vs Traditional Loans — The Risk Nobody Explains Clearly
Crypto-backed loans trade one risk for another: you keep your coins, but a price drop can force the lender to sell some of them. The numbers below are assumptions that show the arithmetic. The encouraging part is that the risk is calculable. You can work out your own trigger price before you borrow, and the…
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Splitting Crypto 50/50 in a Divorce? You’re Not Actually Splitting It Evenly
Splitting crypto 50/50 by face value does not split it evenly, because two assets with the same face value can be worth different amounts after tax. Crypto with a low cost basis carries a built-in tax bill that cash doesn’t, so a settlement that splits by face value alone may not be an even split.…
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Hiding Crypto in a Divorce Is Easier Than You Think — Here’s How Courts Catch It
Hidden crypto in divorce can seem safe because there is no bank statement in the mailbox. The reporting and legal commentary tell a more encouraging story: courts and investigators have several practical ways to find digital assets, and there are clear steps a spouse can take to prepare. This post covers one documented case, the…
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How Many Retirees Actually Hold Crypto in 2026?
Few retirees hold crypto, based on the surveys I could verify: relatively few older Americans report owning it, and that is useful context if you’re a retiree wondering where you stand. Below I walk through three sources: a Gallup poll, a Federal Reserve survey and an SEC Office of the Investor Advocate working paper. None…
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How to Legally Protect Your Crypto Before a Divorce Ever Happens
The approach I’d take to protect your crypto in a divorce is transparency, not concealment. Below I stick to what I could verify in one state’s statute, Rhode Island’s Uniform Premarital Agreement Act, and label the rest as my reasoning. Divorce and property law differ by state, so treat this as one worked example of…
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Set It and Forget It — Target-Date Funds vs. Crypto for Lazy Investors
On effort alone, a target-date fund asks less of you than a crypto portfolio does, and that is good news if your goal is to set something up once and get on with your life. Below I stick to what I could verify from Vanguard, the SEC’s investor education site and the IRS, and I…
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Crypto in Retirement Accounts: Advisors Adopt, the Public Hesitates
Crypto in retirement accounts is where advisors and the public point in different directions: the survey data I could verify shows advisor adoption has grown, while most of the public still calls crypto in retirement plans risky. Here are the verified numbers, then my own view. The Case For: Adoption Among Advisors The Bitwise/VettaFi 2026…
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Your 401(k) Match vs. a Crypto Bet — Which Pays Off Faster?
In a 401(k) match vs crypto comparison, the match comes first. If your employer matches your 401(k) contributions, it is the first place I’d put money before choosing between other options like crypto. The reasoning is arithmetic, and I’ll show it with assumed numbers. Then I add what the Department of Labor and the IRS…
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Can Paying Subscriptions With Crypto Actually Save You Money? We Did the Math
Whether paying subscriptions with crypto saves money comes down to arithmetic you can do yourself, and the encouraging part is that the arithmetic takes only a few minutes. What’s left is the formula, worked examples with assumed numbers, what the CFPB and IRS say that bear on it, and my own view. The Formula That…
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Self-Directed IRA and Crypto — The Legal Rules Nobody Explains Clearly
A self-directed IRA can hold crypto with the right custodian, according to the SEC’s Investor.gov, which lists crypto assets among the assets self-directed IRAs can hold. What matters next is the set of tax-code rules on prohibited transactions. This article reports what the statute says and labels my own reading separately. It is not a…