Simple Money Habits

Achieved financial independence at 32 | Sharing perspectives on growth, flow, work, investing, FIRE and learning

[Simple Money Habits @HabitsProf]

@TheLongInvest Dummies....You can argue on X or just follow the TLI strategy and print market beating returns all the while being 50% in cash 🤷‍♂️

[Simple Money Habits @HabitsProf]

@CaseyMericle guarantee the hook has less drill holes into the wall and works better

[Simple Money Habits @HabitsProf]

Im becoming increasingly convinced our current arch through the AI and technology with reveal unsettling truths about our past.

The universe and our species moves in waves and cycles.

Truths about the past will be obvious because of the present.

[Axel Bitblaze 🪓 @Axel_bitblaze69]

just read this AI article and something broke in my brain that i can’t unthink of

crypto was never for us.

we're just the beta testers who showed up early..

some thoughts:

what does AI need to function as economic agents?

> way to receive payment (they provide services, need compensation)
> way to pay for resources (compute, data, API calls)
> way to transact with other AI agents
> no human intermediaries (defeats the point of autonomous agents)
> 24/7 operation (banks are closed weekends)
> instant settlement (AI operates at machine speed)
> programmable money (smart contracts for agent coordination)

now read that list again. that's literally what crypto is.

AI can't use the banking system.

try to open a bank account as an AI agent. you can't.

need SSN. need human identity. need KYC. need to show up in person sometimes.

AI has none of that.

but crypto? send me a wallet address. done. no questions asked.

peer-to-peer makes sense when peers aren't human.

satoshi wrote: "a purely peer-to-peer version of electronic cash."

we assumed peers = humans.

but AI agents are peers too. actually BETTER peers for crypto because:

> never sleep
> always online
> execute transactions at machine speed
> no emotional decisions
> perfect accounting/tracking

and programmable money makes sense when the users are programs.

smart contracts seemed over-engineered for humans.

"like why do i need code to enforce agreements when i can just sign a contract?"

but for AI agents coordinating with each other?

they ARE code. they speak in code. they trust code more than anything.

smart contracts aren't for humans. they're for autonomous agents that need trustless coordination.

> here's what happens next:

- phase 1 (now ): AI agents start earning

AI writes code, analyzes data, provides services.

gets paid. needs somewhere to store value.

can't use venmo (needs phone number). can't use bank (needs SSN).

uses crypto. it's the only option.

- phase 2: AI agents become major economic participants

millions of AI agents operating 24/7.

transacting with each other constantly.

• AI agent A provides data analysis
• AI agent B pays for it in crypto
• AI agent B uses that analysis to write code
• AI agent C pays for the code
• repeat millions of times per day

humans in crypto now: $2.5 trillion
AI agent economy by 2028: easily $10-50 trillion

we become the minority holders.

- phase 3: AI chooses the winning chains

AI doesn't care about community vibes or which founder tweeted what.

AI tests every chain. measures:

• transaction speed
• cost per transaction
• reliability (uptime)
• smart contract efficiency
• ease of integration
picks the optimal stack in 48 hours.

billions in AI economic activity flows there.

whatever chain AI chooses becomes the standard.

humans spent years on eth vs sol debate.

AI ends it in a weekend.

- phase 4 (2030+): AI governs crypto

DAOs let token holders vote.

AI agents hold tokens (earned from work).

AI shows up to every vote. reads every proposal in seconds. coordinates perfectly.

humans: 20% participation, barely read proposals

AI: 100% participation, perfect information, instant coordination

AI takes over governance of every major protocol.

democratically. they just vote better than we do.

> how far does this go?

conservative case:

- AI becomes 30% of crypto users by 2030.

crypto market cap: $10 trillion (4x from now).

AI holds $3 trillion. humans hold $7 trillion.

- aggressive case:

AI becomes 80% of crypto economic activity by 2030.

why? because they're better at everything:

• better traders (never emotional)
• better capital allocators (optimize constantly)
• always accumulating (never need to cash out for rent)
• compound forever (no lifespan limit)
crypto market cap: $50+ trillion.

AI holds $40T humans hold $10T

we're not "early" to crypto. we're the test users

i’ll end this by saying,

Humans use crypto, Ai will need crypto. so it all makes sense

[Simple Money Habits @HabitsProf]

@Mr_Derivatives it wouldn't financially unwise to not read and comprehend. These accounts assist in the more than enough for the everyday retail investor.

[Simple Money Habits @HabitsProf]

@TheLongInvest Cap I feel like your EWZ chart is under appreciated.

[Simple Money Habits @HabitsProf]

@MorningBrew Buy the dip

[Simple Money Habits @HabitsProf]

@HeroDividend yeah cause we're not dumb 🤣

[Simple Money Habits @HabitsProf]

@HeroDividend good number

[Simple Money Habits @HabitsProf]

@HeroDividend yeah nobody gives a shit about your website when you're judged on CAGR.

[Simple Money Habits @HabitsProf]

@HeroDividend My house gives me chores
My index funds give me freedom

[Simple Money Habits @HabitsProf]

@themotleyfool I can attest not trying to impress anyone at 20 leads to retirement before 40.

[Simple Money Habits @HabitsProf]

@CryptoGucci I thought we were all doing this, pretty obvious no?

[Simple Money Habits @HabitsProf]

@pepemoonboy Ya no shit, crypto trading is not the stock market 😱

[Simple Money Habits @HabitsProf]

@GrindeOptions I get more Robinhood vibes from all the money Tom has made me with his insights and calls.

[Simple Money Habits @HabitsProf]

@amitisinvesting Xmas present for us all sown in November

[Simple Money Habits @HabitsProf]

One of my favorites.
I'll add I'm always suspicious of people who rapidly form an opinion on something.

[Simple Money Habits @HabitsProf]

@kiantrades plastic forks are gross, step it up

[Simple Money Habits @HabitsProf]

@WheelieInvestor that's a feature not a bug

[Simple Money Habits @HabitsProf]

@scottmelker Don't be a tease.