• Jeff Swanson
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  • The Death of Fiat: Why Bitcoin Is Perfect Money

The Death of Fiat: Why Bitcoin Is Perfect Money

You've been lied to.

Not once. Not twice. But for your entire life, you've been systematically deceived about the most fundamental tool of civilization: money itself.

Right now — as you read these words — one of the greatest wealth transfers in human history is unfolding. And 99% of people are sleepwalking straight past it, clutching their melting dollars while the smart money quietly exits the burning building.

If you've ever felt like you're running on a financial hamster wheel, trading more of your life for money that buys less each year, this is your wake-up call. Because everything they taught you about money, saving, and retirement is about to get vaporized.

The Great Deception: A System Designed to Keep You Broke

Picture this: You're 25 years old, fresh out of college, ready to build wealth. Your parents, your financial advisor, maybe even your employer's HR department all give you the same advice:

  • Take 10–20% of your paycheck

  • Feed it into stock index funds and your 401(k)

  • Pray for that mythical 7-8% annual return

  • Work for 40 years

  • Maybe, just maybe, you'll have enough to retire

Sound familiar? This is the playbook they handed to your parents. And their parents. It's the same tired script that's been repeated for decades.

But here's what they don't tell you: This system was never designed to make you wealthy. It was designed to make someone else wealthy — using your money. Sure this plan works for some people but for most, this has not worked out very well.

While you're debating whether to max out your 401(k) or save for a house down payment, the financial world is shifting beneath your feet. The old rules don't just "need updating" — they're actively working against you.

The Invisible Tax That's Stealing Your Future

Let me tell you about the most devastating tax you've never heard of. It's not income tax, property tax, or sales tax. It's inflation — and it's the reason your money feels like it's disappearing.

Your grandfather could buy a cup of coffee for a nickel. Today, that same coffee costs $5. They call this "normal inflation," as if systematically destroying your purchasing power is just part of how economies work.

Here's the reality: Since 1971, the U.S. dollar has lost over 98% of its purchasing power. This means that something costing $1 in 1971 would cost about $50 today. That's not a bug in the system — it's a feature.

When the Federal Reserve prints money (which they've done to the tune of trillions in recent years), they're not creating value. They're stealing your wealth and redistributing it to those closest to the money printer: banks, corporations, and government.

Think about it: Your parents bought homes on a single income. You can barely afford rent with two. College cost a few thousand dollars per year. Now it's tens of thousands. Healthcare, childcare, housing — everything has gotten a lot more expensive.

But here's the kicker: Your salary hasn't kept pace. Individual wage growth has lagged behind overall inflation and productivity gains for most workers since the 1970s. If you earned $6,500 in 1971, you’d need to earn about $50,000–$55,000 today to have similar purchasing power. However, the average worker’s real wage (middle class real wages) has only increased about 17% since the late 1970s, so most workers have not seen their pay keep pace with the cost of living. Read more here.

This isn't economics. This is theft.

The Hamster Wheel From Hell

Here's how the game really works:

  1. They print money → Dollar supply increases

  2. You work harder → Chasing the same lifestyle your parents had

  3. They devalue your savings → Your dollars buy less each year

  4. You work more → Trying to stay ahead of the invisible tax

It's the hamster wheel from hell. And every year, they speed it up a little more.

The average American now works 25% more hours than in the 1970s but has 30% less purchasing power. You're literally working more for less, and the gap is widening every year.

Meanwhile, asset prices (stocks, real estate, bonds) get inflated along with everything else. The wealthy, who own these assets, get richer. The middle class, who hold cash and rely on wages, get poorer.

This is the wealth transfer happening right now. From your pocket to theirs. From savers to speculators. From workers to asset owners.

Enter Bitcoin: The Great Escape

Now imagine a different world. A world where your money couldn't be printed away. Where your savings actually saved their value. Where you didn't need permission from a bank to store or send your wealth.

That world exists. It's called Bitcoin.

Bitcoin isn't just another investment. It's perfect money.

For the first time in human history, we have money that is:

  • Mathematically scarce (only 21 million will ever exist)

  • Globally accessible (no banks or borders required)

  • Uncensorable (no government can stop it)

  • Unconfiscatable (if stored properly)

  • Programmable (smart contracts and automated systems)

Think of Bitcoin as the internet for money. Just like the internet revolutionized communication by removing middlemen, Bitcoin revolutionizes value by removing financial intermediaries.

No banks charging fees. No governments printing your wealth away. No waiting 3-5 business days for transfers. No asking permission to access your own money.

The Numbers Don't Lie

Let's talk facts. While your dollars have been melting away, Bitcoin has been doing something unprecedented:

Bitcoin's Performance:

  • 10-Year CAGR (Compound Annual Growth Rate): ~85%

  • 5-Year CAGR: ~63%

Compare that to:

  • S&P 500 10-year CAGR: ~11.5%

  • Gold 10-year CAGR: ~7.1%

Bitcoin’s historical CAGRs demonstrate why it’s often cited as the best-performing asset of the past decade. But here's what's really important: Bitcoin isn't just outperforming other assets. It's preserving and growing wealth in a way that's never been possible before.

If you had invested $1,000 in Bitcoin 10 years ago, your investment would have grown to over $413,358, reflecting the power of compounding at this high rate. That same investment in Gold would be $2,833. If you invested in the S&P it would be $2,974.

"But Isn't Bitcoin Risky?"

This is the question everyone asks. And it's the wrong question.

The real question is: Can you afford NOT to own Bitcoin?

Yes, Bitcoin is volatile. It goes up and down dramatically. But zoom out, and the trend is unmistakably upward. Every major dip has been followed by new all-time highs.

More importantly, what's the risk of staying in a system designed to erode your wealth? The dollar has lost 85% of its purchasing power in 50 years. That's not volatility — that's guaranteed destruction.

Bitcoin's "risk" is short-term price swings. The dollar's risk is long-term purchasing power annihilation.

Which would you rather have: money that might go down 50% temporarily but has historically recovered to new highs, or money that's guaranteed to lose 2-3% of its value every single year forever?

The Wake-Up Call

Here's something that should make you pay attention: The same institutions that called Bitcoin "rat poison" and "tulip mania" are now quietly buying as much as they can.

Who's buying Bitcoin:

  • Governments (El Salvador, others considering)

  • Corporations (Tesla, MicroStrategy, Square)

  • Pension funds (Quietly allocating billions)

  • Universities (Harvard, Yale endowments)

  • Wall Street (BlackRock Bitcoin ETF, Goldman Sachs)

They've done their homework. They understand what's coming. The question is: Have you?

When the world's largest asset managers launch Bitcoin funds and sovereign nations adopt it as legal tender, this isn't speculation anymore. It's recognition of reality.

This Is Your 1995 Internet Moment

Imagine it's 1995. Someone tells you about this thing called "the internet." They explain how it will revolutionize commerce, communication, and basically everything else.

Most people laughed. "Who needs email when we have fax machines?" "Why shop online when we have malls?" "The internet is just a fad for tech nerds."

We know how that story ended.

Bitcoin today is where the internet was in 1995. Early, but inevitable. Disruptive, but unstoppable. Misunderstood, but mathematically certain.

The people who "got it" early didn't just make money — they completely transformed their lives. The people who waited until it was "obvious" paid much higher prices or missed out entirely.

Perfect Money for an Imperfect World

Bitcoin solves the fundamental problem of money: How do you store and transfer value without trusting a third party?

Throughout history, money has been controlled by kings, governments, or banks. They could always print more, confiscate it, or prevent you from using it.

Bitcoin changes this forever. It's:

  • Decentralized: No single point of failure or control

  • Transparent: Every transaction is publicly verifiable

  • Secure: Protected by cryptography and massive computational power

  • Global: Works the same everywhere, 24/7/365

  • Finite: 21 million coins, period. No exceptions.

This isn't just better money. This is perfect money.

The End of Fiat As We Know It

We're living through the death of the current monetary system. Not because Bitcoin is trying to kill it, but because the system is killing itself. When you can print unlimited money, you will. When you can inflate away your debts, you will. When you can tax people through inflation instead of directly, you will.

But now there's an alternative. A opt-out button. A life raft. Bitcoin isn't trying to destroy the dollar. Bitcoin is simply offering you a choice: Stay on the sinking ship, or get in the lifeboat.

What This Means for You

If you're in your 30s, 40s, or 50s, you have a choice to make. You can:

Option 1: Continue playing by the old rules. Save dollars that lose value every year. Hope your 401(k) outpaces inflation. Cross your fingers that Social Security will still exist when you retire.

Option 2: Learn about Bitcoin. Understand why it's different. Start allocating a percentage of your wealth to the hardest money ever created.

This isn't about becoming a "crypto trader" or getting rich quick. This is about protecting and preserving the wealth you've worked your entire life to build.

You don't need to understand every technical detail about Bitcoin any more than you need to understand TCP/IP to use the internet. You just need to understand why it matters and how to buy it and store it safely.

The Simple Bitcoin Strategy for Regular People

Here's the beautiful thing: You don't need to be a tech genius or financial expert to benefit from Bitcoin. The strategy is remarkably simple:

  1. Learn the basics (what Bitcoin is and why it matters)

  2. Start small (1-5% of your portfolio)

  3. Dollar-cost average (buy a little bit regularly)

  4. Store it safely (learn about proper wallets)

  5. Think long-term (years, not months)

This isn't day trading or gambling. This is methodically moving a portion of your wealth from a depreciating asset (dollars) to an appreciating one (Bitcoin).

The same way previous generations bought gold or real estate to preserve wealth, this generation has Bitcoin. But Bitcoin is better than both: it's more portable than gold and more divisible than real estate.

Your Wake-Up Call

The wealth transfer is happening whether you participate or not. The question is: Which side will you be on?

Every day you wait, you're making a choice. You're choosing to keep your wealth in a system designed to erode it rather than moving it to one designed to preserve it.

This isn't financial advice — this is a mathematical reality. The dollar will continue losing purchasing power. Bitcoin's supply will remain capped at 21 million. The choice is yours.

The best time to learn about Bitcoin was 10 years ago. The second-best time is right now.

Ready to Take the Next Step?

If this article has opened your eyes to the reality of our monetary system and Bitcoin's role as perfect money, you're probably wondering: "What do I do next?" If that’s you check out this article, The Simple Bitcoin Strategy That's Beating Every Traditional Investment. This wil show you my 10% solution to building real wealth.