⚠️ RISK DISCLOSURE: Bitcoin is highly volatile. Only invest what you can afford to lose entirely. This is education, not personal investment advice. I am not recommending Bitcoin as an investment. I'm sharing my personal approach and educational framework. Consult your financial advisor about your specific situation.
Hey Reader,
Last week, I helped a retired sergeant major discover $47,000 in unclaimed VA benefits he'd been missing for years. The same day, he asked me about Bitcoin. My response to both situations was identical: 'Strategy beats timing, every time. Here's the thing—whether we're talking about maximizing your military benefits or allocating to Bitcoin, most veterans focus on the wrong question...
After extensive research and portfolio modeling, I've concluded that a 3-5% Bitcoin allocation makes sense for many investors—including veterans with 10+ year time horizons. Here's why:
Portfolio Diversification Math Modern Portfolio Theory shows that adding uncorrelated assets can improve risk-adjusted returns. Bitcoin's correlation to stocks? Just 0.2 over the past five years. To bonds? Nearly zero.
This means even a small allocation can improve your portfolio's Sharpe ratio (risk-adjusted return).
The Institutional Shift
BlackRock now manages $40+ billion in Bitcoin ETFs
Major corporations hold Bitcoin on their balance sheets
The military's own TSP is exploring digital asset options
When institutions move, it signals maturation, not speculation.
Bitcoin Is For Preppers, Veterans, Democrats, and British Royalty
A Model Framework: The 5% Rule
Here's a hypothetical approach (not advice, but a potential strategy):
Core Portfolio (93%)
Stocks: 60%
Bonds: 20%
Real Estate: 13%
Alternative Assets (7%)
Bitcoin: 5%
Ethereum: 1%
Gold: 1%
This allocation leans into Bitcoin's potential upside without going into "degen" mode.
The Veteran's Advantage
You have unique advantages for Bitcoin investing:
TSP's lifecycle funds vs. Bitcoin correlation
How VA disability payments (tax-free) affect investment strategies
Capital gains considerations for military retirees in lower tax brackets
WARNING
Critical Warnings (Please Read)
Bitcoin isn't for everyone. Take this Risk Tolerance Check:
Never invest more than you can afford to lose entirely. This isn't pessimism—it's prudent risk management.
How to Start (The Right Way)
Step 1: Figure Out What You're Doing
If you decide Bitcoin fits your strategy:
Step 1: Education First Read "The Bitcoin Standard" or my free guide (reply "BITCOIN" to get it)
Step 2: Choose Your Platform
Beginners: BlackRock or Bitwise Bitcoin ETFs
Intermediate: Coinbase or Kraken
Advanced: Self-custody with a hardware wallet or multi-signature configuration (Unchained Capital)
Step 3: Dollar-Cost Average Instead of investing $1,000 at once, invest $100 monthly for 10 months. This reduces timing risk.
Step 4: Set It and Forget It Check quarterly, not daily. Emotional investing destroys returns.
The Bottom Line
Bitcoin is a tool, not a lottery ticket. Used strategically at 3-5% of your portfolio, it's a calculated asymmetric bet. The downside? Limited to your small allocation. The upside? Potentially significant over 10+ years.
But remember: No investment, including Bitcoin, is guaranteed. Your financial plan shouldn't depend on any single asset performing well.
Your Bitcoin Questions, Answered
Get instant access to "The Veteran's 5% Bitcoin Framework"—the same strategy I use to balance opportunity with security in my own portfolio.
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