Brian Hedderman

Whovian that also likes DC and Marvel, proud Australian, Electro-Mechanical Technician, likes Fairy Penguins, #TeamSweetiepieFTW

[theficouple @theficouple]

The IRS does not know how much you owe in taxes.

They can’t know until you report your income to them.

A great CPA can tell you exactly what you will owe.

Don’t be a fool. Get a CPA.

[theficouple @theficouple]

Unpopular opinion:

If you make $160,000 a year but live paycheck to paycheck?

You have a spending problem, not an income problem.

[theficouple @theficouple]

78% of adults in the US make less than $100k per year.

Don’t let the internet fool you.

Making $100,000 or more per year is still a great achievement.

[Mark Moss @1MarkMoss]

Too many are focusing on Bitcoin's price, and missing the building going on underneath...

Tether just wired self-custodial wallets directly into robots, leading a $1.4B round into NEURA Robotics. And it wasn't just a "Crypto" round... The co-investors are: Amazon, NVIDIA, Qualcomm, Bosch, Schaeffler, and the European Investment Bank.

Industrial capital and a stablecoin issuer in the same cap table.

What Tether shipped into the deal matters more than the dollar figure.
- Wallet Development Kit: self-custodial wallets embedded in the robot.
- QVAC: an edge-AI runtime that runs on the machine, not the cloud.
- USD₮ going native on Bitcoin via RGB.

So this brings the Wallet, brain, and settlement asset, all in the hardware.

This lays the groundwork for an autonomous agent, a robot, a fleet, and a software process, without having a human to approve the payment.

MACHINE TO MACHINE MONEY:
No human in the loop. So it needs a settlement layer that doesn't ask permission: self-custodial, final, programmable, on a Bitcoin base layer.

Why does this route to Bitcoin instead of a Visa or ACH equivalent?

Because permissioned rails have an off-switch and a human gatekeeper by design. An economy of millions of agents transacting 24/7 can't run on rails built to be paused. Censorship-resistance stops being ideology and becomes a spec requirement.

Now this is a direction sign... it's a funding round and an architecture announcement, it's not live today, so...

Treat this as it is... an asymmetric bet.

But one thing to think about here, and it's something I laid out in my keynote at Bitcoin Mena back in 2024...

Every other Bitcoin demand thesis is from humans, but this is Machine Demand.

Watch demand on this into 2027!

https://t.co/4YKdKzCoSB

[Sydney Trains & NSW TrainLink Info @TrainsInfo]

Your old Opal card could still have money on it! 💰

If your card is unregistered and hasn’t been used for 5 years or more, you may need to take action to keep or claim your remaining balance.

Find out more at https://t.co/5SG0r8fNGO

[Robert Kiyosaki @theRealKiyosaki]

YOUR BEST ASSETS!!!!

Your reputation is your best asset and the other is the respect of people you respect,

How are your best assets doing?

[theficouple @theficouple]

A person with:
- No debt
- 2-3 rental properties
- Portfolio of good index funds

They always end up 10x richer than someone who trys to pick stocks & time the market.

...and it's not even close.

[theficouple @theficouple]

People think you need $5 million to live like this:
- Private chef: $800/mo
- Luxury apartment: $2,500/mo
- Organic food: $1,000/mo
- Luxury car: $800/mo
- Exotic vacations: $1,000/mo
- Private health insurance: $1,800/mo

~$2 million portfolio can easily cover all of it.

[Mark Moss @1MarkMoss]

Bitcoiners pushing to "force" BTC for spending today are missing the historical progression and could actually end up subsidizing fiat.

Gresham's Law, then Thiers Law... in that order

Bitcoin built its value because people HODLed it, not in spite of it. Scarcity + voluntary holding = the moat.
Everything else (institutional ETFs, nation-state buys) is downstream of that.

The HODLers created the demand signal that made everything else possible. If velocity magically spiked tomorrow without more scarcity-driven conviction, you'd just get more volatility and weaker hands.

This is Gresham's Law in effect, but... when we've reached the tipping point, Theirs Law kicks in, and then BTC will reach the Medium of Exchange (MoE) stage.

What are the tipping points?

- Demand side behavior changes
This is something @parkeralewis explained deeply; as someone building merchant payments, we need the merchants to demand BTC to hold it, not just to convert back to fiat.

- Fiat credibility collapse
either through rapid inflation, capital controls become ineffective, or censorship

- Network and Adoption
Significant portion of global trade settles in BTC without fiat intermediaries. People think in and quote prices in sats rather than converting fiat.

Forcing BTC MoE before these risks "subsidizes the fiat network effects." How?

Every time you spend Bitcoin today (pre-shift), the typical flow is:
Sell BTC → receive fiat → spend fiat.

You're injecting fresh demand and liquidity into the fiat system. Banks, payment processors, governments, and the entire dollar network get more transaction volume, more fees, more data, and more reinforcement of their network effects.

You're literally subsidizing the enemy.

HODLing, by contrast, starves fiat of capital. It keeps supply locked, strengthens the scarcity moat, and forces the fiat system to compete on merit (which it can't).

Once the shift happens, the same spending action strengthens Bitcoin's network, because the money flowing is now the good money, and fiat is the one being rejected.

So...

HODL the scarce asset, spend the inflating one, and let the asymmetry work for you.

Forcing velocity prematurely just props up the system we're replacing.

The question is... Are we closer to the Thiers’ Law flip than most realize?

[theficouple @theficouple]

For anyone who is married:

It's not "your goals" and "my goals" it's our goals.

The same is true when it comes to money.

Couples who become middle class millionaires?

...They don't split the bills using Venmo.

[Peter H. Diamandis, MD @PeterDiamandis]

The thing nobody tells you about exponential change is that it feels like nothing is happening right up until the moment everything happens at once.

[theficouple @theficouple]

Quickest ways to become a millionaire:
- Investing in index funds: ~15-20 years
- Invest in real estate: ~7-10 years
- Invest in your own business: ~5-7 years

Most millionaires aren't lucky. They're just patient.

[theficouple @theficouple]

To buy a $200,000 duplex we thought we needed a $40,000 down payment.

Then we learned we could use a 3.5% FHA loan, have a $7,000 down payment & get paid to live rent FREE.

...Because, real estate 🏡

[theficouple @theficouple]

This year we closed on our dream home 🥳

House hacking our rentals for 5 years made it possible.

It's one of the fastest ways to build wealth with real estate.

Comment "story" for the full breakdown

[Mark Moss @1MarkMoss]

MSTR is not Bitcoin.

They are a public company navigating public equity markets

The BTC sale was maneuver to signal rating agencies and credit analysts, demonstrating the tools they can and would deploy to protect pref holders if needed.

In that sense, the sale is not a change of heart, you can see this in the sample size, it’s a signal the company is willing to monetise part of its Bitcoin reserve when its capital structure demands it.

[theficouple @theficouple]

Personal milestone:

As a social worker I earned ~$40,000/yr for much of my career.

Our dividend portfolio will soon pay us ~$40,000/yr whether or not we work

The first $100/mo is hard. The first $1,000/mo gets easier.

..Then the dividend snowball takes off 📈

[Robert Kiyosaki @theRealKiyosaki]

Don’t drink financial planners Kool- Aide when they tell you US Bonds are safe. There is nothing safe….from stupidity.

Remember even gold, silver, and Bitcoin can cost you money if purchased on hype.

Best watch the cash flowing.

Today many major US Bond holders, like Japan and China are dumping their bonds to buy gold and silver.

What does the cash flowing tell you?

Always remember your greatest asset lies between your right ear and left ear.

You’re smart enough to feed your asset carefully.

[theficouple @theficouple]

We own 6-apartment buildings in Upstate NY.

Each property:
- Worth ~40% more than we paid.
- Bought with 10% down (or less)
- Fixed-rate mortgage
- Cash flow + tax benefits

When it comes to wealth?

Buy and hold real estate is undefeated.

[Robert Kiyosaki @theRealKiyosaki]

WORSE THAN WAR in IRAN

Death of the US Dollar?

Iran began accepting payment for oil in Chinese Yuan. What does that mean to you and your future and the future of the US dollar?

I strongly encourage you to invest about and hour in your financial education.

I strongly suggest you tune into Ray Dalio’s podcast “Iran just killed the petro dollar.” This is the biggest news in world financial history and no one is explaing it save for Ray Dalio.

Ray keeps it simple and offers concrete actions almost anyone can take to not become a victim of this massive change and crisis in money.

Please do not hesitate to tune into the wisdom Ray Dalio offers, wisdom very few will tune into.

Remember your best investment is your investment into your financial education….education our schools will never cover.

Take care.

[theficouple @theficouple]

I used to dream of being a CEO driving a Range Rover to my office.

Wearing a Rolex, living in a massive house etc.

Now I admire the solo-preneur:
- Hiking mountains on random Tuesdays
- Living mostly off investments
- Making $8,000/mo working 2-3 days a week

#dreamlife