I am 48 years old.
Most people my age are not thinking about Bitcoin.
They are thinking about their mortgage. Their pension. Whether they saved enough for retirement.
I think about those things too.
But I also think about a number: 0.1
The Question Nobody Is Asking
Everyone asks the same thing about Bitcoin.
What will the price be?
$200,000? $500,000? $1 million?
I stopped caring about that question.
Because there is a more important one:
In thirty years, how hard will it be to own even 0.1 Bitcoin?
That is the question that keeps me up at night.
Not because I am afraid.
Because I think I already know the answer.
What Fixed Supply Actually Means
There will never be more than 21 million Bitcoin.
But that number is already a fiction.
Somewhere between 3 and 4 million Bitcoin are gone forever — locked in wallets whose passwords died with their owners, sent to addresses nobody can access, lost on hard drives buried in landfills. Gone as completely as if they had never existed.
The theoretical supply is 21 million.
The effective supply may be significantly lower.
We live in a world where everything can be produced in greater quantities if the price is right. More houses. More gold. More oil. More of almost anything.
Bitcoin is different.
No matter what happens — no matter how high the price goes, how many institutions buy it, how many governments want it — the supply does not move. And every year, a few more coins disappear quietly into inaccessible wallets, shrinking the effective supply further.
Right now, roughly 94% of all Bitcoin that will ever exist has already been mined. Subtract the lost coins, and the number of Bitcoin that can actually change hands may be closer to 17 million — perhaps less.
And yet most of the world has not seriously tried to buy any.
That combination is worth thinking about very carefully.
Why 0.1 BTC — And Not More?
Here is the honest truth:
I cannot afford 1 full Bitcoin. Not without making reckless decisions with money I need elsewhere.
And I think most ordinary people are in exactly the same position.
1 BTC has become a goal for the wealthy or the very early believers.
But 0.1 BTC?
That is still hard. It still requires discipline and sacrifice and a willingness to think in decades, not months.
But it is achievable for a regular person with a regular income who takes it seriously.
That is why I find the number so interesting.
It sits right at the edge of possible.
I Am Not Doing This For Myself
My children are young.
When they reach my age, I will either be very old or gone.
I have no idea what the world will look like then.
I have no idea what Bitcoin will be worth.
But I think about a specific scenario:
Imagine Bitcoin becomes genuinely important — a global reserve asset, a store of value used by billions, something that nation-states compete over.
In that world, 0.1 BTC is not a small amount.
In that world, most people never had the chance to accumulate even that.
Now imagine that future version of my children, who has that 0.1 BTC, thinking about their parent.
The parent who thought twenty or thirty years ahead.
Who bought it quietly, while it was still possible, while most people were distracted by the price.
That image is worth more to me than any price target.
What If Bitcoin Fails?
It might.
Governments could regulate it into irrelevance. A superior technology might replace it. A critical flaw might emerge that nobody has found yet.
I accept all of those possibilities.
That is why Bitcoin is one piece of a larger strategy — not the whole thing.
But here is the asymmetry that matters to me:
If Bitcoin fails, I lose a relatively small, calculated amount.
If Bitcoin succeeds, and I never bothered to accumulate any — that is a mistake my family cannot undo.
The downside is limited. The opportunity cost of being wrong in the other direction is not.
Scarcity Is Not a Price Story. It Is a Competition Story.
Right now, most of the world is not competing for Bitcoin.
What happens when they are?
What happens when central banks hold it? When pension funds allocate to it? When the next generation of investors — who have grown up with it — begin accumulating seriously?
The supply does not respond to demand.
There are no emergency reserves. No government can order more to be produced. No company can issue new shares.
The only thing that changes is how hard it becomes to own any.
We may be living in the last era where an ordinary person can quietly accumulate 0.1 BTC without it feeling like a significant sacrifice.
I do not know that for certain.
But I act as if it might be true.
This Is Not a Get-Rich Story
I want to be clear about something.
I am not writing this because I think 0.1 BTC will make my family rich.
Maybe it will. Maybe it will turn out to be worth very little.
I am writing this because the act of accumulating it — slowly, deliberately, with a long time horizon — has changed how I think about money, time, and what I am building for the people who come after me.
Most financial advice is about the next five years.
This is about the next fifty.
And I think that shift in perspective, regardless of what Bitcoin does, is worth something on its own.
The Question I Never Want My Children To Ask
There is a version of the future where my children look at a small hardware wallet and think: this changed everything.
There is another version where they look at it and think: this was nothing.
What I know is that there is no version — if Bitcoin succeeds — where they ask:
Why did you own this?
The only question they might ask, the one I am trying to make sure they never have to, is a different one entirely:
Why didn't you buy more?
Maybe 0.1 BTC will turn out to be insignificant.
Maybe it will become one of the most valuable assets an ordinary family could own.
I don't know.
Nobody does.
But when I think about my children 30 or 40 years from now, I'd rather risk owning a little Bitcoin than spend decades wishing I had.
Because if Bitcoin succeeds, I don't think they'll ever ask why I owned some.
The question they might ask is why I didn't own more.
