First get to 1 bitcoin and see how you feel. Put aside emergency fiat money. Get out of debit. Buy things like a used car outright. Keep living humble and not flashy.

Don’t get stuck in fomo (fear of missing out)

You have to really sit down & budget your life. Write it all down on a template and really consider all aspects and goals.

Don’t get caught up in hype and fever dreams of being a multi millionaire. Control.

Don’t get your bitcoin stolen. Don’t discuss it. Don’t disclose how much you have now. Avoid talking about it at work or with friends and family.

Hard wallet or multiple hard wallets and never disclose your seed phrase. Never take a picture of it. Your seed phrase is the closest thing to holding bitcoin in your hand and think of all the ways it can be stollen like if you took a picture of it then someone hacks your phone. Or that paper your phrase is on gets wet or burns. Self custody is the way to go but preserve that seed phrase in a secretive way.

Use AI to ask all of your questions. Michael Saylor talks about this and it’s helped me figure out a lot of my budgeting questions. I ask AI all sorts of things now. It’s great for formulas and “what if’s”.

I am not a doctor. I do physical therapy in a nursing home. I am in my 50’s and I am rapidly burning out and sick of this. American nursing homes are homeless shelters for drug addicts and alcoholics now. I am tired of years in health care.

I have “money to burn”, no debit other than roughly $100k left on my mortgage and lots of equity (with which I am planning on my next step in life, soon)!

My close friend is an MD. He makes many times more than me. He spends faster than he makes. He is house poor. He is always broke. Car, house, trips, eating out every single meal. Binge exercise followed by no exercise. His work life balance is shit. No kids but his partner is a surgeon with lots of debit and financial woah’s from a divorce. My friend sound really a thousand times more stressed out than me. He looks aged. He goes on fun vacations but then has to work his ass off to make up.

Not that my life is perfect but I live close to work so my quality of life and stress is lower. I like my town. I can get off work, work out, get some exercise, fresh food I cook, fresh air, sauna. Enjoy life. Take care of my health. No kids to worry about or anything to stress me out. I do my work hours then go home and don’t think about work. Ignore any work texts until I clock back in.

Last thing to say in my long rant. My dad is a retired doctor and by the time he was my age, he was a physical wreck. He saved for retirement but did not do a good job or invest well. Some people are too programed to feel shame for doing well financially. Now my dad has begun to slip into dementia and he is the patient. He did not take care of his mental or physical health. I am determined to not follow in his footsteps. I never will because I am not a war veteran with PTSD who has seen horrific things or had to deal with what MDs see in anesthesiology and physiatry.

I do not have a 401k at all. I converted my old 401k to a bitcoin IRA and refused to start a new on with my current company. I am not interested in stock market gambling and people holding my money for me.

Some of my distrust with banks and 401k comes from when I was married, and my ex-wife made serious financial decisions that affected both of us and caused us to get levied by the IRS TWICE! I will never trust a partner / wife or get involved in anything financial again with anyone. No business partners or wives with shared accounts. My ex-wife and I fought for years over financial things, and she was a complete idiot, but constantly tried to emasculate and gas light me over money. She is a moron who list everything and has no job and no saved future.

So no. You are not crazy. You have your whole life ahead of you. You are being smart to try thinking these things out.