Best Time To Make Money In Crypto Is Now With Charlie and Miguel
Charlie and Miguel argue 2026 is the optimal crypto entry point, citing Bitcoin's breakout above $74,000 and the four-year cycle. They advocate dollar-cost averaging into Bitcoin, Ethereum, and Solana while holding stablecoins like USDC, noting Wall Street's ratio trading between gold and BTC. The hosts predict AI agents will dominate trading, urging listeners to learn skills now to charge $2,000–$3,000 for virtual assistant services before margins shrink. Specific advice includes buying privacy coins Monero and Zcash if they hit $300, using Trezor Model 5 cold storage, and allocating 80% to blue chips versus 20% speculation. Ultimately, they frame AI mastery and disciplined asset allocation as essential for navigating upcoming volatility and recession risks. [Automatically generated summary]
We're going to be talking about some money, cryptocurrency, as you guys know.
We got a bunch of stuff going on.
We'll get right into it, man.
Can you guys introduce yourselves to the audience?
Yeah, sure.
So my name is Charlie from Cultivate Crypto.
I'm the co-founder with Miguel of the Crypto Mindset course, which we usually come.
I think I saw man 805 in the chat.
I think he's in the Rumble chat, actually.
One of the smarter members of the audience says, hey, the crypto bros are back.
Lows are in.
So definitely time to get it.
But yeah, you can check me out on Cultivate Crypto on YouTube.
And yeah, we usually are here during the dip when everybody else in crypto is not on YouTube.
Definitely.
Yeah.
And my name is Miguel from Dollar Cost Crypto, the other half of the crypto mindset.
Like, yeah, like Charlie said, we love to come here basically when there's opportunity, right?
There's an opportunity.
It's a good time to buy.
But also, you know, we are, you know, my name is Dollar Cost Crypto.
I'm about like dollar cost averaging in.
You know, one of the big things we've been telling our guys on YouTube is, you know, now that Bitcoin's down like 50%, Ethereum's down a little bit right now, you can start a slow DCA right now on your favorite assets.
I'd say like Solana, Bitcoin, Ethereum, pretty much only right now.
But only 25% of the money, like let's just say you're buying $1,000 a month, you're buying like $250.
Maybe you're just this month Bitcoin, next month, Ethereum, some stuff like a strategy like that.
But the other $750, you put into stable coins, into USDC, because these lows are coming in the next four or five months.
And you need to optimize that money.
But at the same time, too, guys who are not making as much money that don't have like 100K ready to go or 50K ready to go.
When you don't have money, time is your friend.
So you need to start that little DCA now because like most people, if you don't apply the, if you don't put the money in the market, you're not going to have the money in a month or two, right?
So that's just kind of how it is.
So for a lot of my guys that are just like, you know, we got $500 a month, $1,000 a month, $2,000 a month, you need to start putting some in now, basically, because you need to stretch that muscle out because you get scared.
When those prices go down, you end up not buying, right?
Because you have to invest like a man, not like a female.
What does a female do?
A female waits to the finish line and fucks the winner.
But in crypto, right?
When everybody's all hyped up and the prices are all time highs, you're pretty much going to get fucked.
And that's the problem.
You need to be like counterintuitive, right?
You need to buy these assets when they're down in the dirt, when it's red, when no one's paying attention.
That's where you make the most money.
Right now, 2026 is probably the easiest money you're going to make because by the time we're in 27, you're going to be up on all those purchases.
It's just profit right now.
I mean, like we like, I don't know why people are saying this, but like, you know, we had streams back with Gary, you know, Gary GG33 back from 2022, 23, completely agreeing with him that it was going to crash in 26.
Absolutely, because it was the four-year cycle, right?
And I don't know why people are shocked about that.
Like we've told people, you know, I mean, you know, shout out to the cash out course, but you know, we got a lot of our guys to take profits on all their meme coins, all their altcoins in quarter four.
But, you know, this cycle long, we had a bit of a feeling that the volatility on Bitcoin Ethereum is, it wasn't going to be as catastrophic as past cycles, right?
I mean, in past cycles, you know, we've had, you know, we had Bitcoin go from like 20 grand to three grand or 69,000 to 15,000.
This time it's not going to go as low.
But this is why, like, personally, I didn't sell any of my Bitcoin Ethereum, but I did, you know, take profits on everything else, basically, even including Solana.
Yeah.
And the biggest thing to kind of like Bitcoin just broke out of kind of its accumulation area that it's been in since the end of January, or you could argue the beginning of February, depending on what prices you're looking at.
But it just started breaking out of that area today around 74,000, which has also solidified one thing on price, which means I'll explain in a little bit detail, but it's much easier if you're in the course to explain exactly why this is when I show the charts and everything.
But basically the 60-day cycle, which is made by Bob Lucas, definitely shout out to him.
He basically took that from Forex and traditional markets and then applied it to crypto, found out that Bitcoin runs on a 60-day cycle from low to low.
And then basically the last two months was a time to accumulate during, or last, I would say 30 days, 35 days was a time to accumulate in that area.
And we told our audience, for example, Solana is a good thing to accumulate in that area between about $81 to $90 Solana.
Today it's 95.
Bitcoin's going up towards about 78 to 81K here, probably over the next one to two weeks.
Then it will have a local peak based on the 60-day cycle.
If it goes a little higher, that's fine.
Maybe 84,000, 86,000 would be the highest I see Bitcoin going in that period.
But one of the catalysts for this move right now and why Bitcoin's now going to not go below 60K is because Ethereum came out with its staked ETF.
And so right now, that's the difference between Ethereum and Bitcoin's ETF, which are the two most profitable ETFs in history.
Bitcoin specifically is more profitable than gold's ETF, more profitable than every ETF Wall Street's ever come out with.
And so since they came out with the Ethereum stake DTF, now Bitcoin has somewhat of a challenger.
I think there's about $55 billion in Bitcoin right now, and there's about $12 billion in Ethereum, but that's Ethereum non-stake DTF.
So we're going to we're looking at the Ethereum stake DTF to basically equal or if not expand past the other ETFs.
So that means you probably in quarter two have a percentage of about $12 to $15 billion going towards Ethereum.
Now, that's not going to all get there at one time, but it's going towards their Bitcoin's had about, I would say, a billion and a half, almost $2 billion run into it by Wall Street over the last three weeks as well.
So that's also basically solidified the bottom, made the breakout.
And some people are like, well, Bitcoin's not performing as well in wartimes.
It's a store of value.
I thought it was going to store value.
But basically, the way Wall Street's looking at it is gold and Bitcoin are both stores of value that are competing for liquidity.
Right now, liquidity is tight on everything, right?
And so what Wall Street is doing basically is they're, what do you call it, ratio trading between Bitcoin and gold.
So gold recently started going down.
Bitcoin is now breaking out, coming up.
When Bitcoin local peaks here in the next week or two, gold might also then kind of come back down a little bit.
So they're going to kind of see some.
Both of them can't be at their peak at the same time, essentially.
They can.
They often have been correlated in that way.
But right now, because liquidity is tight and Wall Street's really just looking how can they make the most money.
That's what they're doing during this time.
And so we now have a bounce in what we call a bear market, which means this year, like Miguel said, this is the fourth year of the four-year cycle.
It's mainly a down year.
This, you know, these uptrends don't last forever.
But what you can do is basically, if you know the 60-day cycle, if you basically pay attention to when that low is in, when you're accumulating, you can basically get a pretty good idea within a band of a couple of weeks when you should be selling and then basically come back down.
And then depending on where the low of the previous cycle was and the high of the cycle is, that'll tell you whether we're going to go back below the cycle low or we're going to go to a higher low.
And right now that previous low in February was at 60K.
And because we have the high past the midpoint of the 60-day cycle, which right now is day 38.
So we're past day 30.
We're making new highs.
That means when Bitcoin comes down, it's 90% likely.
It's never perfect, right?
But it's 90% likely to hold the 60K low.
And then I also have on my channel the Cultivate Crypto Algo, which has a buy signal on Bitcoin's weekly that just got confirmed at 66,000.
And so that's also an area that we see defended.
So 60 to 66,000 is going to be a hard place for Bitcoin to go below until sometime maybe in May.
That would be the earliest that I see it going down to that level.
So that means if you get any dips here towards the end of this month, beginning of April, that's a buy opportunity.
And that's why we're coming here with the course.
66 and below, pretty much.
I would say 72 and below.
Okay, 72 and below.
So you threw a lot out there, but for the people that are kind of just tuning in, what is crypto?
Why should people invest in it?
Super basic.
Yeah.
I mean, basically, it is the, I would, I mean, I call it, I mean, the modern day like greatest investment like area in the whole planet, basically.
It's the biggest wealth transfer in history.
We've seen assets like Bitcoin, Ethereum, even Solana right go from literal, like I remember buying Ethereum for $8 back in 2016.
Wow.
Right now it's what, like $2,300?
Yeah.
Right.
It's all-time high was $4,800.
That first cycle, it went from 25 to 50 cents.
It topped out at $1,400.
Bitcoin, where I saw it, when I got it, you know, where I got in, it was like $400 or $500.
It went up to $20,000.
This is back in 2017.
And like something even like Solana, like Solana in the cycle, like when we came, when we did the mega course last time in quarter four of 2022, Solana was like $7.
It went to 300, right?
And, you know, this is kind of like some of the research that we do for guys is like we go over like, okay, during a bear market, a lot of projects shut down.
And we, and one of the big things that we're doing in the background is figuring out, okay, what's surviving?
What's got the financial backing?
Is the community still alive?
Sure, the chart's wrecked.
We're not talking about Bitcoin and Ethereum.
We're talking about like the alts and stuff, right?
But also we give guidance on when's the best time to kind of buy into Bitcoin and Ethereum.
One of the big things that we did or I did as well with Charlie is, you know, we gave recommendations when to stop buying Bitcoin, which I know for the Bitcoin Maxis, that's crazy, but we were telling guys to buy Bitcoin back in 22 and 23 at $15,000, $25,000, mostly around that range.
And where I told our guys to kind of stop DCAing was around $52,000, which was a very, very powerful psychological level because that's the trillion dollar market cap for Bitcoin.
And that's still in profit right now.
All that Bitcoin that we bought is still in the money now.
This is why it's not hard for a lot of our guys to hold our Bitcoin or Ethereum.
Like we bought Ethereum at $700 and it went up to $4,800.
It crashed back down.
It's still at $2,000.
Even back in 25, remember when it crashed to $1,400?
We were all calling each other and everything like that.
That's still in profit right now.
Still in profit right now.
Damn.
And this is why it's so important during those flash crashes when things go bananas to buy.
But it's the biggest wealth transfer because basically Wall Street's basically accepted, okay, crypto Bitcoin's here to stay.
The tech is real.
They're slowly starting to adapt it right now.
Wall Street's throwing hell of money into it.
I mean, like I said, not all the money that's in Bitcoin Ethereum's ETF right now together is what?
Almost $70 billion.
That's just the money that's there right now.
That's not total volume of inflow outflows.
Total volume is probably like almost 200 billion that's been going into in and out of Bitcoin and Ethereum for the last two years since January of 2024.
And like, you know, if you look at price as the main reason of why you should get into an asset or something, Bitcoin and Ethereum year on year, their average over their entire lifespan has beat every other traditional asset in the market, like hands down.
So if you're looking at Bitcoin Ethereum as a long-term store of value, they're going to go up.
I mean, you'd be stupid to think that Wall Street's just going to adopt it this cycle and abandon it next cycle.
If you listen to Larry Fink, the CEO of BlackRock, he's like real world assets, tokenized securities, equities, stocks, that's what we want to go for 24-7, 365 market.
He's hell-bent on that.
That's why BlackRock has put so much money into it.
And then you had Stanley Drunken Miller, who's pretty good at different hedge funds and very successful on Wall Street.
And he basically said, I hate that Bitcoin exists because I'd rather have that money go towards gold.
But the fact that it does exist means it's going to basically stick because the brand is going to stick.
And then also he said, stable coins, he said in 10 to 15 years is going to be what everything in banking runs on simply because they're way more efficient and they're way faster and they're way easier for people to use than anything in finance right now.
And so one rule, this is the best part.
One rule in terms of price, right?
So the one rule about Bitcoin and Ethereum is the more stable coins that come into the market, the higher the price goes.
Why?
Because now that money is on the blockchain, easy to spend on Bitcoin Ethereum and people tend to do that more.
And so because stable coins are going to go towards Ubiquiti here in the next 10 to 15 years, you're going to have Bitcoin running towards gold's market cap.
Bitcoin's market cap right now is $1.5 billion or less, $1.2, something like that.
And probably what, $1.5 to $2 billion somewhere in there?
Trillion.
Sorry, my bad.
Yeah.
Just add an extra zero.
No, or a couple of zeros, right?
But basically gold around 35 trillion, something like that.
Of course, it'll probably go towards 50 and Bitcoin will go towards like 10, 20, 30 in the future.
I would say by 2033 to 2040, you're going to get your first million dollars per Bitcoin.
And that, so that's all, you know, price.
If you're like, hey, I just want to get into this to make money, beautiful.
But if you also want to store your money in there and have it as a place that can't be confiscated, right?
If you have your money in the bank, government doesn't like you, come in, shut you down, right?
Any country in the world, that's possible.
Whereas with Bitcoin, if you have that money or Ethereum too, you can use that all across the world, all across DeFi, borderless, you know, trustless, you know, store value that you can use.
What is a stable coin?
Medium Term Bitcoin Outlook00:15:00
And can you identify the stable coins for the audience right now?
Yeah.
So the two biggest stable coins are USDT, Tether, and USDC, Circle Stablecoin.
And Circle's more related to like Coinbase, JP Morgan, those types of ones.
And what's a stable coin?
So stablecoin is it's stable to a local currency.
So in this case, it's USD dollars.
So $1 per token.
And so it's kind of like an IOU for your dollars.
So similar to a bank, right?
If you're using it.
It matches fiat currency.
Exactly.
Exactly.
All stable coins now, at least the major ones like Tether and USDC, those are the big two ones.
Those are the ones you want to use.
Tether, USDC.
Personally, I use USDC more.
Where does Bitcoin and Ethereum fall into it as the two most popular?
Okay, so will those be considered?
I would say the blue chips that are never going to go away.
Basically, Bitcoin, Ethereum are here to stay.
All stable coins are built on Ethereum.
And we're going to have central bank digital currencies probably first.
The first ones are going to be Israel, Saudi Arabia, and the EU are going to have your first stable coins.
It's all going to be built on Ethereum or Ethereum layer twos.
So USDT and USDC are going to be built on Ethereum networks.
They already are.
They already are.
And any new ones are going to be built.
But Tether is like, I would say like 60% of the stablecoin market, if not more.
USDC is like 25%.
And who's the last 15?
Everybody else.
Okay, everybody else.
Trump has one, USD1.
PayPal has one.
But they'll get bigger in the market and everything.
But USDT has such an advantage over everybody else.
I mean, how much money are they making per year is like insane.
It's like they're basically the most profitable company on the planet per employee.
So just so the audience, so for the audience, stable coins are basically coins that are pegged to some type of fiat currency.
Yeah.
Right.
Some government currency.
And then the blue chips are the coins that aren't going to go anywhere.
And it would be fair to say Ethereum, Bitcoin.
Is there anything else outfall in that realm?
Solana's getting to the third spot, but it hasn't solidified yet.
It hasn't solidified yet.
So I would say after 2026, Solana is still going to be around, still going to be useful.
The main thing with Solana is the first cycle, its tech needed to kind of get tested a lot.
Now, this cycle, there wasn't as much going on on it.
So it's kind of a meme coin chain.
So it had some utility, but mostly towards the crypto side.
In the next cycle, that's when Wall Street starts adopting stuff that's not Bitcoin because they wanted to get as much Bitcoin as possible first, and then they're going to go towards Ethereum, then Solana.
Gotcha.
So it would be fair to say the blue chip coins are the coins that aren't going to go anywhere and that traditional finance institutions are starting to buy at least one, because they have a certain like some, some banks and some people they basically can just buy it.
There's no problem, right?
Yeah, but there there is, like some institutional funds and some retirement funds, where they have like, the industry or the asset they're buying has to be at a certain size right, so it's really only like bitcoin and Ethereum for the all.
The largest funds are the only ones that they can really buy in bulk, because they basically, if they bought any smaller coins, they would just move the price too much and own too much of the supply, so it just becomes a huge like problem.
Basically, I think yeah, the state of New Hampshire, I believe, because there's a about three or four states now that have digital asset treasury reserves um, New Hampshire was one of the first ones, along with Arizona, to get a uh, basically bitcoin strategic reserve for the state, and what they put in the rules was basically any uh digital asset that's worth over 500 billion dollars in market cap is uh, basically able to be bought by the state.
So that's only bitcoin right now, that actual you know U.s States are willing to buy once.
There's only Etfs on bitcoin and Ethereum at this point, right?
No, there's plenty more, there's more.
SUEI had the first staked Etf before Ethereum.
Solana has uh, its Etfs for sure that are going to get money ported to them next cycle.
Uh, then you have a few others.
DOGE has one as well, Ripple as well but um yeah you're, that's a good distinction.
So now people know what a stable coin is versus range of coins, correct.
And I want to say one thing about the stable coins.
So this just started happening very recently.
Now they I mean they started disclosing this now, but it's become sort of a de facto one is something like a usdc.
What they do with the dollar that you deposit right, so mostly, most of the times, you're just buying on Coinbase.
They give you the coins and that's it right.
But what they're doing with the coins is they, they take the coins and they're you.
They're essentially just buying us debt with it.
So they're getting anywhere from three to four percent yield on it.
And this is why these companies are making so much money, because they, as soon as you give them your dollars, they're just turning it into into US Treasuries and then just living off the dividends.
This is why they're so.
They're so fucking profitable, I mean.
I mean.
I mean, what is?
I believe Tether has like what?
A hundred billion dollars, I mean, or more.
Yeah like, I mean they're, it's a massive, massive amount of money they're making um, and they're taking that investment money they're making, buying more crypto, more bitcoin, more more gold.
Tether, its company itself, is the single largest holder of gold as a private like corporate entity and crypto also part of Rumbo as well yeah, part of Rumbo as well.
They have.
They have US T GOLD right yeah, and so they're.
They're doing all these innovative products but, but basically stable coins.
Um, the Us has basically pushed this out.
This is why Russia was kind of tripping about it.
Is that basically fine?
If if, let's just say, if the world governments are starting to get shaky on the United States and they don't want to buy our debt anymore, the global citizen will buy the debt unknowingly, through crypto.
So it's been.
It's been a strategy like the big.
The big thing the governments have been doing is, if this crypto thing is going to exist, it's going to be priced in dollars right, so it already.
Like crypto, the more viral it gets, the more it kind of rugs local currencies, it brings that into dollars and then those dollars get converted into into into basically U.s.
Treasuries, which basically fund the government.
So it's all this giant circle now and this is why, like there's all, there's all these like laws trying to pass, because right now banks are super scared Because if they allow Coinbase and Kraken and Gemini and Crypto.com to just give free yield away on these stable coins because they want to be competitive and just want to get these customers, there's like $5 trillion of deposits that want to jump into crypto.
And then the banks are scared because that'll cause like a bank run on them.
So people are scared.
Sill of crypto.
The concern, times are hard.
They need to make money right now.
Right.
But are you saying because of where crypto is going with the government and the banks, you should get in now before it gets to that point?
Yeah.
So what point should they buy?
Yeah.
So it's a long-term play.
And then the thing with crypto that's confusing to people, and you don't have to play each of the timeframes, but it's a short timeframe and then medium and then the longer timeframe.
The long-term timeframe of five years plus, anybody should be buying basically at these prices because we're over 50% off, or we were over 50% off, 40% off now, probably something like that.
But we're very, very cheap.
Good long-term buy, you know, keep DCAing down into the lows throughout the year, right?
If you look at it medium term, let's say quarter two to quarter three, because of what I said earlier about the 60-day cycles, 60K to 67 or 66K being an area that's likely to hold, if not a little higher, we see in Q2, because the Ethereum stake DTF come out, more possible inflows coming into Bitcoin than that pushing the rest of the crypto up.
So which one should they be buying?
I have been recommending Solana between $81 to $90.
Most of our audiences bought in that area if they've been paying attention to our shows in the last one month, basically.
And then we think the Bitcoin swing will go up to about 78 to 81,000 here in the next one to two weeks.
Ethereum, I would say 25, 2,600.
Solana, 110 to 120.
So if you're buying any of those coins, Bitcoin is the one that you're conservative in the medium term because you just want to buy more, but you don't want too much volatility either way.
Ethereum is kind of a little bit more volatile than that, but not by a whole lot.
And then Solana is the way more volatile one.
So it gives you the most reward, but it also gives you more risk too.
But the reward is worth it.
If you're paying attention to what we're saying at the course, you'll be, excuse me, you'll be taking profits and then you'll be buying back in lower again on different coins.
So that's what we recommend in the medium term there.
In the short term, right?
Like if you're trying to trade like once a week on these coins or something like that, that's way too frequent in our opinion, just because most people aren't paying close enough attention to be able to do that.
We do teach the ability to do that if you want to.
But most people, I would say, better to say stick at the medium term to the long term.
Just buy things when they're low, take a little bit of profits, maybe on 10% of the portfolio when we get a bit of a bounce here and then buy more as it goes lower throughout the year.
But we've already been in a bear market since the middle of October.
It's the middle of March now.
We have basically until October, November as the longest possible time.
The longest possible, the longest, most likely time to find a low.
So, I mean, we're already halfway through it.
Yeah.
So if I buy Bitcoin or I buy crypto now, what can I sell for profit?
And then, and obviously, guys, we'll do phone lines as well.
Yeah, phone lines for you guys.
I don't say the course, but like just for the audience right now.
So for the audience, right?
If you're just trying to make like a, so if you're trying to have like make sure that you actually get some decent returns, you basically, whatever you kind of like buy within the next now to the next four months, you basically could sell it sometime in the middle of 27 if you just really wanted the quick flip and just get the returns, right?
Because like as an example, right, like we saw when we bought the lows on Bitcoin, right?
Between like this, you know, November, December, and January, February of 23, about a year, about a year later, it was touching about $40,000 to $50,000, $60,000, right?
And from $15,000.
So if you buy, if you buy close to $20,000 even if you just bought a $20 grand, you know, you can make a 2.5x and stuff like that.
The thing is, it's almost like a ball underwater.
Like you dump a volleyball underwater.
The lower the price goes, the more explosive it shoots up and it wants to get back to a nice price.
Bitcoin likes to be above a trillion-dollar market cap.
So, like, what I'd recommend for people right now, just advice, just because people keep asking about what coins do I buy, put 80% of your money that you're willing to put into crypto into Bitcoin and Ethereum.
That last 20% into more speculative stuff.
And I mean, this is very important.
Can you say that again for them?
Because, like, for all the people that sit there and say some dumb shit about you guys show coins or anything like that.
Right.
Okay.
So, right, 2026 is a very special year, right?
It's because this is the year where Bitcoin and Ethereum hit those prices and then they pop off from there after that.
And then it's more of a like the like it's almost like you only get one chance.
It's the chance, right?
And this chance is the next four to six months.
So you have four to six months to buy as much Bitcoin and Ethereum as you can.
But this is why I'm recommending is like, you know, you put 25% of what you're trying to put in a month now into Bitcoin and Ethereum.
And then that other 75%, you put it into USDC on Coinbase or on or a stable coin to have it ready.
So when those prices really crash, bam, you buy and you basically get a ton of Bitcoin and Ethereum.
And then if you really need the money in 27, you can just get out and you double to triple your money.
And that's, but obviously, if you, if you wait until 28 or 29, you'll make much more money.
But you know, if someone needs the cash, it's kind of like a one-year wait or less to make some decent money.
But it's just a lot of fun.
So this is your opportunity because obviously the barrier has been really high for entry for both of them, right?
I mean, I mean, remember, Bitcoin was $100,000 last year.
Yep.
Right.
And then Ethereum, I think it hit a high of, was it close to 3K?
Five.
Oh, yeah.
Well, I mean, last year, I'm thinking it hit 5K just for quick fulfillment.
It was like 48.
Right now, sitting at like 22 or something like that.
Yep.
So, yeah.
I mean, this, so this year is the year to pick up these two, as you guys would say, blue chip coins.
Yeah, exactly.
Like he said, Wall Street likes to buy Bitcoin anywhere near the trillion dollar market cap, which is about $55,000 per Bitcoin.
So anytime we go below $55,000 to $50,000 during the rest of this year, you kind of want to be a kid at the candy store.
You don't want to, you know, blow your load all at once, right?
But you want to basically be not afraid to buy it in maybe more chunks.
And so, but your thing is, you said anything below 72K is a good, is a good.
Yeah, I would say like there's, I got these levels for like, okay, kind of high-end early buying to kind of middle of bear market, end of bear market buying, and then like worst case scenario buying.
So I would say 55K to 70K.
That area there is your first buying tier area of if you're in that zone, you're in your good initial DCA area.
That 25% I'm talking about.
And like I said before, we're probably not going to go anywhere into that area by a lot until the next time I would say would be sometime in May or June.
And then maybe go.
So you expect another dip for sure.
Yes.
Oh, yeah.
100%.
Because we are definition by definition of bear market.
The only thing that would change is if Bitcoin got back above 98K, then you could start arguing, okay, maybe, but it's probably very unlikely that it gets back above that level.
In Q2, I see it going as high as probably about 86 to 95K, somewhere there is probably where Bitcoin could get to.
And if that happens, the Solana is in a pretty good spot above 130 or something like that.
So we have a good bounce here in the bear market where we can make some money, cultivate some crypto.
Because where I got the name for my channel, because I started my channel, the first video in March of 2019, in January of 2019, I really, you know, built the channel and everything before I went live.
And in 2018, before I started the channel, where I made a lot of money in crypto, was basically trading Ethereum at the bottom of each 60-day cycle because it had more volatility than Bitcoin.
And I didn't trust the stable coins that much at that time because there was a lot of drama around them.
And they weren't helping the government at that time.
But if you buy the beginning of a 60-day cycle low, you have anywhere between 14 to 40 days generally of upside, depending on where you are in the bear market.
And since we had such a big downturn, this is why we got this up move right now.
But if you keep compounding your Bitcoin as you go into the bear market, so you make these small trades where you get like a 25% gain, a 30% gain, 40% gain, you compound the Bitcoin you have.
So the goal for cultivating crypto is to compound your Bitcoin and Ethereum on top of themselves over time because the dollars will come because they are going to beat the fiat dollar over the well, over the long term.
And that's the thing that people can't get their mind around a lot is they're like, oh, it's crashing now.
Clearly, it's not a store of value.
It's like, look at it over a five plus year period.
And that's a different story.
And I wanted to answer that question in the YouTube chat right there.
He's like, how is it now the best time to buy Bitcoin when it was 10K cheaper a week ago?
Well, if you're watching the channel, you would have bought it.
Yeah, exactly.
We've been screaming at the top of our lungs on our channel from the last week of January through the whole month of February into now.
Buy, buy, buy.
And everybody else in crypto is going on vacation, not doing streams, not doing live streams for hell no, right?
Nobody's giving out this information for free on YouTube.
Everybody is like, okay, it's a bear market.
Time to dip for about a year, year and a half.
Then they come back when you're going towards the previous all-time highs.
Next time we get above 100K, oh yeah.
Recession Bubble Pop Risks00:15:27
Sorry, guys.
I've been sick for the last two years.
September when you came last year, it was really low.
People were like, oh, it's a scam.
Don't buy crypto.
Yeah.
And then it hit into 100.
So you said to buy in the low, and they still were like, oh, it's a scam.
And we made money.
Yeah.
Yeah.
So, and we're going to open up the phone lines here in a second, guys, so you guys can ask your questions.
So obviously there's a lot of, you know, geopolitical events going on right now.
We got obviously what's going on with Russia, Ukraine.
That's been going on for four years now.
We know that we're in the middle of a war right now in the Middle East.
We bombed Iran and Trump is trying to find an exit ramp, but it doesn't seem that way.
There's an energy crisis.
A barrel of oil is selling at probably over $100 right now internationally.
So, which is obviously very bad.
How does that play into the crypto market?
And how is that affected?
Yeah.
So the thing I'll let Miguel kind of go extend that.
But what I kind of said a little bit earlier was because you have Wall Street kind of playing back and forth between gold and Bitcoin, they want to go towards a store of value, but they don't have enough liquidity to kind of go to both.
So when I would say when volatility hits off in geopolitical stuff, money does come towards Bitcoin as well as gold.
But right now, because liquidity is tight, it's only going towards one or the other and just kind of jump in between them.
So that's why you're kind of seeing that inverse volatility.
Gold, because I've been looking at the markets throughout this entire conflict, like with the price of a barrel of oil and everything else like that.
And gold hit like a pretty high, I think like a week or two ago, like 5,300, almost 5,300.
So it's probably on the downtrend for a little bit.
And then let's say once we get, what do you call it, later in this month, it might get an uptick and Bitcoin comes down a bit.
So right now with the conflict, it's fair to say when there's conflicts like this, people are trying to get a lot of money.
Gold and Bitcoin are operating almost like an on an inverse basis.
Correct.
One goes up while the other goes down and vice versa.
And then until we get, so a big liquidity event that's happening.
Well, it's already happening right now.
You know, we've already gone about like roughly, roughly like $200 billion of inflows in terms of straight up money printing from the Fed.
But the problem is that's only sustaining things.
That's adding liquidity to the market, but they're not cutting interest rates.
We have a Fed meeting on Wednesday and like cashy and polymarket basically have it at like 99% chance it's not going to cut right when they should be cutting.
I mean, Trump is, I mean, this has been the one thing that's like, what caused, like, you guys know this.
We've been in a recession.
We've been, we, we go into a recession and then we get out of it and then we're back into recession.
We keep going back and forth into a recession.
I mean, everybody knows it.
I mean, everyone's been feeling it.
I mean, every streamer person I know is like tell me the same thing.
You know, everyone's talking, you know, you talk to people, you know, you know what's going on right now in the streets.
And one of the main reasons why this happened, right?
Like when did the bear market even start in crypto, right?
It started in January of 2022.
What happened?
The Federal Reserve started increasing interest rates for the, basically for the first time in like 10 or 12 years.
We were at zero for like a decade, you know, point, you know, 20, a quarter of a percent, right?
But zero basically, right?
We're free money.
And they increased it to 5.25%.
That means when you buy a house, they add a VI, you know, they add a VIG on top.
So you would imagine, you know, people were, people maybe with good credit were getting 7%.
A lot of guys, a lot of people were getting like 9% on these loans and that just crushed the market.
And over these last three years, that's what's bled the market out because it's not cheap anymore to borrow money.
So then people start getting a little shisty with stuff.
And then, you know, interest payments start going up.
A lot of corporations, you know, they were living, they were like almost zombie corporations without these cheap loans.
And now they're having to reborrow money at the higher rate.
And now they're bleeding cash flow.
This is why like a lot of the top S ⁇ P 50, if you just remove the bottom 400 companies, they're just basically break-even or losing money.
The top 100 companies are really making all the money.
And in reality, it's really just the MAC seven.
And it's crazy.
I saw a statistic somewhere where it seems like a quarter of like when you buy the S ⁇ P 500, about a quarter of it's really just like the top 10 companies.
So every dollar you put into the SP 500, it's really just like it's 10 companies.
That's profitable.
That are profitable, but just because they're so large in market cap.
I mean, just to go to an earlier point, right?
We talked about there's a really big event.
And so like there is a little risk in the market right now in terms of like, there's going to be an AI pop.
AI is not going anywhere, but there's going to be a stock market crash with it at some point, right?
Because the whole economy is like intertwined with it, right?
And the biggest finesse that the Fed could do right now is we're going to get a new Fed chairman between May 12th, May 15th, right?
Trump's going to put a new guy in.
He's already promised he's going to cut interest rates by 100 basis points, 1%.
That's really big, right?
And then from-I don't think they'll be able to do it now, though.
Well, I mean, Trump can vote.
Like, that guy's out.
Jerome Powell's out.
But here's the kind of the fuck shit Jerome Powell could do.
He could just stay in the board of governors.
He could take a seat.
Historically, it's been like, hey, this is an option you can do.
But most people, once their term's done, they just leave.
And they do the circuit and make their money on the calls.
Right.
But this guy is going to try to cut rates by 100 basis points.
From there, we're going to see how much more he can actually pull off because it is needed.
So that is kind of a big boost there for the economy.
That extra one.
I mean, I was literally talking to Waller.
He's like, I can't wait to refinance.
Waller's doing some big, shout out to Waller.
He's doing some big moves right now.
But there's a lot of big real estate money that's just willing to, you know, that wants to get, if those rates come down, we're about to go through a refinance boom.
These people, you know, like if you're already kind of cash flow positive and you're able to just lower that down, the cash flow only goes up.
The money goes up.
I mean, especially on the bigger guys, the guys who owns like 500 doors, 1,000 doors.
Oh my God, they're about to make a fortune.
As well as where's the last big amount of money Americans have?
So I'm not talking about boomers or older extras.
I'm talking about people who bought a house between 2010 to like, let's just say 2019.
Most Americans that bought in that cohort.
It's in their homes.
It's in their homes.
In equity.
They have $100,000 to $300,000 in equity.
It's tempting at that point because if the interest rate gets low enough, a lot of guys are going to pull money out.
And this is where like, this is why this next bull run in equities and stocks that happen over these next four years, it's kind of weird how it's 1929, 2029.
It's like, it's rhyming.
It's rhyming a little bit, you know?
But there's three really big IPOs.
The biggest IPO in history, a bigger, bigger than a Saudi Ramco is happening, which is SpaceX mixed in with, you know, AIX, basically, which is Elon Musk's AI company.
So he's essentially fused his rocket company with AI in order to basically get liquidity.
And that's going to be a trillion-dollar plus IPO, right?
And then the next thing, OpenAI, also going public.
That I'm not too sure in terms of the market cap on that, but it's probably going to be $600 to a trillion dollar market cap.
You got Entropic, same thing.
So you basically have three of the biggest IPOs for an AI company coming out all within the next six months, right?
Originally, OpenAI was going to go public in September.
Entropic, which was a company that was basically started from guys who worked at OpenAI, left, made their own company.
They basically said, hey, in June, we're going to go public.
And then OpenAI said, oh, fuck that.
And now they're front-running them.
So now there's a race because there's only so much liquidity.
Like, you know, we've been talking about liquidity.
There's only so much money.
Like, if all these three companies out, let's just round it up.
Let's just say it's $3 trillion.
You obviously can't take out $3 trillion, but there's going to be $100 to $200 billion of money getting taken out.
And who's going to take the majority of it?
Elon.
Elon's going to take a ton of that.
You think he's not going to take like $50 billion, $100 billion over the next year off of that stock when it goes public?
Oh my God.
It's so much money.
And this is why that could pop the bubble for a little bit.
And this is where we can actually get a really big low because, you know, crypto and equities and everything, we're now kind of like this now.
Right.
So if stocks take a really big dip, that is, there's one of the world's biggest opportunities to buy because it's going to get repumped up.
They're not, they're going to print money again.
They're already printing money.
They're printing $40 billion a month right now.
Is this considered the great reset?
Or one of them?
It's starting to.
Like, we're starting to get it right now.
I mean, it's, I mean, AI is really the AI part is the one that's really pushing because most people are like, you're using, you'll use crypto to invest, but if people lose their jobs, I mean, they're going to try to push UBI at some point.
Yeah.
It's not going to happen right now, but in the 2030s, this is why you're right, all your billionaire friends and stuff like that.
And Gary, us, like, we've been saying it for a long time, these central bank digital currencies are coming.
And if you don't get, if you don't learn how to use this digital money and you don't get on this investment grind and you don't start a business, you don't like take it, you know, take control of your life, you got like five years.
Yeah.
You got five years before things get really rough.
You say three?
Even less.
There's a chart I have here actually in the chat.
Mo and Bills, you can bring it up real quick.
This shows Antropic's actual schedule for job market share after they bring about AI.
And this is fucking scary, guys.
This is what they predict is going to happen to our market from AI alone.
So yeah, one thing we do do in the crypto mindset course is we have added about two to three webinars.
We have 15 live webinars, 20 full webinars, five pre, excuse me, five plus pre-recorded webinars.
Then we have flash webinars throughout the quarter.
Basically, we have two to three webinars that are AI focused.
Plus, I would say two pre-records for AI.
So we're going to keep that in there.
Why?
Because survival in a bear market is not only investing, cultivating crypto dollar costs, averaging into your crypto, all that type of stuff, but then also you need an income stream, right?
And so AI is one of the best ways right now, we believe, to kind of create another income stream for yourself.
So that way you're not like, oh, damn, I'm getting bled by the market.
Oh, I'm making some money on a side hustle doing making money on the internet in some fashion or even just improving your station at your company, right?
You can basically use AI to your advantage if nobody else in your company is, get a promotion based on what you do with that and like get half of your other employees fired.
You didn't like half of them anyway.
But like, you know, that portion of a few webinars, we have my brother who's a C AIO, which is a CIA, CEO for AI section, right?
like a CTO as a chief technology officer, basically.
He wrote a book called Turning on Machines, which you can find.
The author is my brother, Zach Engler, E-N G-L-E R.
So you can take a look at that book before the webinars as well, because he'll be giving a few webinars.
He helped Dairy Queen basically get into a lot of their AI systems for people at franchises.
Dairy Queen is crazy.
I know, right?
And a bunch of other companies.
Yeah, there's biotech companies.
Pharmacy companies, all sorts of companies try to get into this.
So he goes around and basically teaches people about that.
So he's going to focus during the webinars, how to make a little bit of money with a side hustle, how to start that out, how to get introduced to AI if you're an army, all that type of stuff.
Because we believe not only for earning income is that important, but crypto is also going towards a lot of AI agents trading, buying back and forth.
One thing that I've said on my channel quite a lot is that you're going to get robo-taxis getting paid in stable coins, Bitcoin, Ethereum.
Tesla's probably going to accept Doge at some point.
Vegas right now, where we're living, has a ton of automated Zeus cars, which I believe is owned by Amazon.
You're going to get Waymo.
You're going to get Waymo, yeah.
Yeah, Waymo, you're going to get Tesla as well.
And so Vegas, I think, is going to be one of those cities where you don't need an Uber anymore.
You basically pay in crypto.
So that's going to be kind of your first use case.
Robots eventually will get there too.
But you're also going to get software-based AI agents that do to crypto what low latency trading did to investment banking from the 90s to the 2000s.
So long story short, in the 90s, you used to like, let's say, what's his name?
The guy from Wolf of Wall Street.
Jordan Belfort.
Jordan Belfort, you know, when he first started, had to like pick up the phone and be like, hey, I need a broker.
You can get me a good price on something, right?
Trying to buy his coins or not coins, stocks.
Stocks and different assets, right?
Commodities.
And then you have to call him again to sell and do all that, right?
That's very slow.
So you're not going to get the best price overall versus when low latency trading came in.
You had all the bots.
Everybody in Wall Street basically built their banks as close to, you know, what do you call it?
The NASDAQ and everything is possible.
So that way they could have the fastest trades.
And then what happened was you cut out the humans for the most part.
Now humans just buy and sell or buy and hold the S ⁇ P.
They don't really trade it quite as much because the machines, the low latency trading, just so freaking fast.
And so that's what's going to happen to crypto over the next 15 years.
You're going to still have the organic parts of crypto because there's so much that still hasn't been built yet.
So those areas are going to be the stuff that's more volatile, easy to trade by humans, make money there.
But like for a lot of the Bitcoin trades and some of the bigger cap stuff, you're going to have AI agents, probably a lot of them built by Wall Street, some of them built by crypto firms, starting to kind of compete with humans in the market too.
So understanding how to do that is important.
Even building one yourself, like if you have, let's say, a team of five agents helping you trade, probably going to have a lot more advantage than a lot of other people.
Right.
I mean, like, I mean, we're basically, I mean, we're using AI to recreate things we've already recreated in the past.
Like, like as an example, right?
Like, this was huge during the time, like 2000, getting out of the financial crisis in 2009.
People used to like knock on doors on like blue collar businesses.
Hey, let me, let me put you on the web.
Let me give you a website.
Let me give you a phone app so people can actually go on your website.
Let me give you an automatic like voicemail chat and stuff and basically modernize your business.
People are going to do that with AI.
That's going to be a huge thing for the next, I would say it's going to be a good business.
Of course, it's going to go away because at some point, someone's going to create a product that just does it all.
But there's people probably like, you're probably a kid right now.
If you learn AI pretty well, you can probably charge $2,000, $3,000 to a local business and just say like, hey, we can give you like a virtual assistant that can handle your emails.
We'll make you a brand new website.
We'll make sure you're AI compatible.
We make sure it's like there's an AI call center and stuff.
Can talk to somebody and it's an agent and they can refer you to certain places and just built out that side of their business for plumbing, electricians, you know, like, I mean, and also like white-collar jobs and stuff.
So if you learn AI right now, there's a lot of money to be made.
You could be a young guy and make a ton of money, but it's only it's sort of like how guys who got into drop shipping early on made a ton of money and then they sell the courses.
And then, you know, it gets kind of like edged out.
And the guys who did those courses in the beginning made a ton of money.
And then there's a ton of there's a ton of competition and then margins are gone.
It only the biggest players win.
The same thing's going to happen right now.
And that's so if what I'd recommend to guys when looking to AI, look at what people did early on with mobile phones and then try to find that the AI version of that because you can make a fortune.
You literally could just copy the same playbook.
Just do the AI version of that business.
We're literally, we're giving the zoomers are getting a gift.
We're repeating the 2010s again.
Just look at whatever happened early on for AI, copy it, make the AI version, do it now.
Do it now.
You could charge businesses and make a bunch of money.
There's no college degree for that.
You just need to learn how to do it, get a good sales pitch, talk to people.
Let me put you into the 21st century with AI.
Live Dividends and Bonds00:09:49
Okay, how much?
Two, three grand.
And you pay me like $300, $400, $500 a month, depending on the size of the business.
If it's a big business, you maybe you can lock in, you can pay $10,000 a month.
And then, especially if you can help drive their sales, look at their analytics in the background.
It's just, it's a money maker.
We do got to open up the phone lines because we're getting tight for time.
So number is 646-490-0394.
You guys can call into the show.
Mo's opening up the lines right now.
Get your super chats in as well, guys.
This is going to be the QA.
You guys are right all the jobs are not gone.
They're going to turn away.
They're going to turn around, but a lot of people are just going to fumble because they're not going to accept it.
Yep.
And we got like 2,600 guys in here between the platforms and stuff like that.
We're live everywhere.
YouTube kick, whatever.
Want to get this message out to as many of you guys as possible.
Obviously, there's some crazy opportunities here.
And you guys know we don't normally sell anything, right?
But obviously, we believe in this course.
I've been able to really increase my crypto portfolio just by listening to these guys.
I bought a bunch of Solana literally the other day when it dipped off advice from these guys.
And up like a significant amount.
Did the price of Solana just cross $100?
I think it might have.
Yeah.
And you guys saw me.
I'm very transparent.
I'll show you all my thing.
$95 now.
$95 right now.
Okay.
Yeah.
It's probably going to cross $100 here in the next couple of days.
So I bought Solana, guys, for example.
Perfect.
Matter of fact.
Yeah.
So I bought in at $78,000 and I and now I'm up like $5K right now.
So I spent, I bought like $20 something worth and I'm up like $5,000.
And I just made this purchase like a week or two ago.
Let's go.
So, you know, you just got to take action, honestly, is what it comes down to, guys.
You got to take action, make things happen, pay attention.
And, you know, dollar cost average, I'm like they said.
So, but let's go ahead.
646-490-0394.
If you guys want to cut the line, just super chat in the last four digits of your phone number.
And it's a great opportunity to, you know, ask some questions.
We haven't done a Money Monday in a while.
So do we want to hit the phone lines or super chats first?
Since we just announced it.
Chats first to give the guys time to call in.
Yeah, sure.
646-490-0394, guys.
Get your questions in while you can.
And we do have after hours coming up.
Many W's.
This is for Charlie and Miguel.
Thoughts on loaded lines.
That's what I'd have to look up.
I haven't seen that project.
I haven't seen it either.
It sounds like an NFT to me.
What about Zcash?
Zcash is actually in a good spot.
I looked at the chart today.
It has a buy signal as long as this week closes green for Zcash.
So we have what, six days left until the weekly close.
If it closes green on Zcash, basically the buy period for Zcash is under $300.
It can pop back up to probably about $400 or so.
So it'll go up maybe like a 30% increase, maybe a little bit more.
It's possible.
It's at 278 right now as I look.
Yeah, so it's about 185.
Oh, beautiful.
Thanks for Gary.
Yeah, yeah.
No, you're in a good spot.
I wouldn't sell it right now.
Let it bounce back up.
Anything under 300 is the number?
Anything under 300 is decent right now.
Oh, yeah.
But like, yeah, it's probably going to pop up here in Q2 along with Bitcoin and everything else.
It won't hit a new all-time high, just like Bitcoin, then it'll roll over.
So, yeah, it'd be good to take profits on it at the time.
There are two privacy coins to buy is Monero and Zcash.
Those are the only two to buy right now.
Now, obviously, when later on, when they really dip down, soak it up.
If you are in the privacy game and you just want to be a part of that hype cycle, because there's going to be a privacy coin hype again, there you go, right there.
That's important.
If you're doing transactions, you don't want to be.
And recently, the United States government recently said Tornado Cash, which was a mixer, basically.
The United States government actually admitted recently, they said, actually, privacy and crypto is actually really, really useful.
So, we're actually not going to look at what Tornado Cash did as a criminal offense.
In October, they're going to retry the guy who got put in jail because of that, because basically he's the dev is software.
He wasn't custodying any coins.
And so they're like, that's actually a useful thing.
Sorry, bro, for putting you in jail for a couple of years, but they're probably going to let him out sometime next year.
He just launched a program and just let it people use it for free.
That's all he did.
It wasn't like he was like the Silk Road where he was actively selling drugs or trying to hire hitmen to kill people because his girlfriend cheated on him.
Wow.
Yeah.
All right.
TPC Films.
I'm up in Ethereum, and that's thanks to the last Money Monday, Myron Refresh out of Taxes.
And one ETH was $1,800.
And Myron bought some on the spot.
And so did I.
And I wouldn't have known of that chance to own one ETH if it wasn't for the Money Mondays.
Thanks for always giving us great content.
That's my ball.
My fellas do on HR.
Beautiful.
Good stuff, bro.
Make the money over here.
That's awesome, bro.
I mean, right now, I'm telling a lot of my guys, the stretch goal.
And what a stretch goal is, you don't have to hit it, but it's just something like a nice goal to hit for most guys.
10 Ethereum.
Yep.
It's doable, especially if it does.
10 Ethereum and 1 BTC, I think, is completely attainable for every single one of you guys, and you should work towards it, is getting one Bitcoin and 10 Ethereum.
Yeah, eventually it's going to be probably sometime in the 2030s.
Most people are going to have a really hard time getting 0.1 Bitcoin.
Yeah.
Damn.
Yeah.
It's going to get to a point where if you have a whole Bitcoin, you're like, they're going to call you a whole Bitcoiner.
A whole Bitcoin coin.
Or a whole coiner.
Yeah.
A whale?
No.
Eventually down the line, I mean, one Bitcoin will be worth, like I said, at least a million dollars between 2033 and 2040.
It'll probably be worth one to five somewhere in there once we get into the 2040s.
And so obviously the dollar will be worth probably about 25, 30% less at least than what it is now.
Might as well.
Some people never sold.
Yeah.
2021.
Yeah, there's a Bitcoin.
There was a Bitcoin whale last year who bought, I don't know how much percent, maybe like 5% of the Mets because he sold a billion dollars worth of Bitcoin that he'd held for the last 10 years or so, last 10 to 15 years.
I mean, when you have that much, at that point, what do you do?
You just like put it in and live off dividends?
That would be nice, but this guy just cashed out and bought some of the Mets.
The banks, so JP Morgan's now allowed, you have to go to the big, you know, the big city.
Can you get loans on that?
Yes.
Yes.
Now you can.
You couldn't.
Four years ago, you couldn't.
Free loans.
Yeah.
Because it's a loan.
Yeah.
But usually how it works out.
Similar to real estate.
But my question is, like, for all these people that have like lots of cryptocurrency that they're just sitting on, like, how do they get active cash flow?
Do they just live off dividends or?
If they do that, yeah.
So Ethereum?
Yes, you can.
Ethereum, you can earn about 3% to 4% yield on Ethereum.
Bitcoin's a little harder.
Basically, you either lend it out, which I don't recommend.
Most of them basically just sell a portion when the price is high and live off that.
And then they basically take that money to a money manager.
And then they basically buy bonds, they buy treasuries, they buy dividend stocks, and then that's how they get their money from cashing out.
But also, people take loans.
So let the crypto go up, pull out a portion, and then put it into some more, I guess.
Cash flow.
Yeah, something that would cash flow at a very more, I guess, stable rate.
Correct.
And then live off those dividends.
That's what they do.
And then when the prices on Bitcoin get lower, they buy back all the Bitcoin they sold, not have extra.
And then every cycle, they're just getting every cycle.
They're richer and richer and richer.
I see what you're saying.
It's a money.
Interesting.
Okay, yeah, because I've always wondered, like, how do these crypto bros, like they're not selling courses or whatever?
Like, how do they live off what they do?
So I guess you're saying they have a bunch, sell off some, invest that into stocks that pay them good dividends, maybe a REIT or something like that.
And then.
Yeah, and some of them might also invest in crypto projects that are early.
That one they got to be very careful with when they do that, of course, because that's more like a VC.
That's more volatile.
Yeah, 5% failure.
So they use the crypto for the growth, pull it out.
So at that, whatever they might have invested, and then put that into something more stable, live off dividends of that.
What about buying bonds?
Yeah.
So, okay.
So the strategy I said was the strategy to do during 2017, 18, 19.
Then when the interest rates went up in 22, the strategy was just to buy bonds because basically they're 100% backed.
Literally a million dollars at the peak, right?
What I was telling people this, at the peak, a million bucks was paying you $52,000 a year plus.
So they would buy a 10-year treasury.
Let's just say $10 million, right?
They'd get half a million dollars every single year for 10 years.
And at the end of the, and at the 10 years, they get their 10 million back.
Or they could sell it.
And this is the cool thing is when the interest rates go down, the bond, the purchase price goes up because it's still, so if you were trying to go in the market to buy a bond that pays half a million dollars, it's now more, you have to put more money up.
Let's just say the interest went down.
You have to put up 12 million to get that half a million or 13 million.
So there's an arbitrage there when interest rates go down.
And obviously when they do that, if they do a 10-year, they lock that interest rate for just like a house, right?
So if the interest rates, like if they do cut rates over the next two years, a guy that's bought that 10-year treasury, it's got seven years left on it, but they might be able to sell it for a two, three million dollar profit on top and they keep all the yield they kept.
There's a whole trillion dollar bond market where you can sell off treasuries that still have runway.
And some guys bought it, locked in that high rate at 5% yield at 30 years.
Oh, so they sell the dividends they're earning.
Yes.
Well, no, no, they sell the whole bond.
So it's like, I'm getting, it's like, imagine I have this house that's cash flowing me every single month.
And then eventually like the price of the house goes up.
Then you want to buy it?
Yeah, sure.
And you buy it.
And then, so I just like literally made, I kept like, I keep all the rental income until I sell it.
And then I also get my money back, my initial money plus more.
And that's what some people are doing with bonds.
This is a big strategy.
This is why like bond companies are about, if interest rates go down, companies that buy and sell bonds and make a fortune because let's just say the bond's a dollar.
If the interest rates go down, it'll go to $1.25.
If the interest rates go even go lower, it'll go to $2.
And the bond price will keep going up because that dividend stays in place.
Damn, you lock in that yield.
Yeah, it's like, it's like people are selling off their 0% interest loans on mortgages because they just want to get out of it, basically.
You know, the people are just saying.
People are doing like weird self-financing or seller financing.
Those loans are actually pretty valuable because it's like those properties cash flow because the interest rates basically zero.
You know, you pay 3%.
Automating Jobs with AI00:02:42
You got it in nothing.
All right.
Let's get through.
We can hit the phone lines for one now because I'm sure there's probably people waiting.
Remember, guys, cut the line.
Put the last four digits of your number in the super chat.
We'll try to get as many as you guys can because obviously we're short for time.
0171.
You are up.
0171.
Yo, that's me?
Yeah.
Yep.
That's you.
What's up, man?
Oh, wait, I'm the first one.
What's your question?
So just quick thing.
The two guys in the back were talking about using AI to is it echoing?
I'm sorry.
No, we got you.
Just hit us with a question quick, though, bro.
My bad.
They were asking, they were saying about AI, how you can leverage it for using it for businesses.
How can we leverage it again?
So let's say I'll just go with the simplest route as an example, right?
So let's say you're working in a company.
Let's say you're doing marketing.
Let's say you're doing sales.
Probably marketing is a little bit more applicable.
But whatever you're doing, if you want to get a raise, right?
If you really go after AI and you're like, okay, how can I automate maybe portions of my job?
How can I automate some of my coworkers' jobs to make their jobs easier?
How could I automate any of these things in the office?
If you can figure that out, promote it to your company, they start using it.
It's likely that they'll probably give you a promotion and they could, I mean, I wouldn't guarantee that this happens.
It's probably not the best thing, right?
But they could end up firing some staff for that.
So because they're more efficient, essentially.
Yeah.
It's been happening.
Jack Dorsey's company had, I think, 5,000 people in it.
They laid off 2,000 people in February just because they've been so good at utilizing AI.
So that's just one round.
So you would charge like 230K for a first business.
If you were like converting a business, but you don't like first you'd have to like first try it on your own or with the small business.
Hey, can I just do this for free for you?
Of course, like in the beginning, you got to do it for free or charge nothing to figure out how you can do it.
And then eventually you might figure out like, oh, I'm really good at getting like the revenue up on like missed calls.
Cause like, you know, like a plumber gets these calls in the middle of the night, but they're just like they're not, they're not like getting it.
So you can create like an AI agent that'll throw a phone number that can pick up these phone calls.
And then from there, you just ask, you, you go on a business owner and ask them, okay, do you have any software you can recommend?
Well, I mean, yeah, in the course, we'll definitely go through it.
I mean, Google with Gemini, Google with Gemini is a good platform.
Perplexity is a good platform.
Chat GBT is a good platform.
Claude is a good platform.
There's a lot of them that are coming out pretty much at a fast rate.
So it really depends what you're using.
Like if you're, let's say, going into deep research on something, Perplexity is best for that.
XRP Cycle Opportunities00:08:19
But Gemini and ChatGPT are often ones that I think are easier for people to use.
Also, if you use Google or Gmail or all this, Google Drive, all that type of stuff at your work, everything through Gemini can be automated.
So you can automate all the boring shit in your job too, just to make your life easier.
Okay.
Let's go to next person, bro.
What do you got to do?
We've got a lot of people on the line, dude.
Yeah, one more time.
Yeah, we got to go to next person.
Let's go.
Who's next?
0900.
0900.
Go ahead.
0900.
You're up.
Hey, what's going on, guys?
What's up, man?
My main question is about Cardano.
It's at 29 cents a share.
How about the coin?
What's your thoughts on it?
It's going lower.
Yeah, it's definitely going lower.
Charles Hodgkinson, great, great founder.
He's back in crypto.
He's still in it.
He's still moving, shaking.
He came out with Midnight, which I think is another token that eventually will do well.
But since we're in a bear market, it'll probably be like a year or so before that really starts popping off.
But yeah, Cardano, I don't see it dying because it stuck around so long.
So it will go lower.
I would say it's easier to trade Solana for the time being.
But yeah, once we get closer to the four-year cycle low in the second half of this year, that's when you want to try to load up on some Cardano, possibly.
Or I would say there's 10% of coins that basically bottom before Bitcoin, which is not, most of them don't.
And then you have, I would say, 30% of coins or so that bottom with Bitcoin and Ethereum and Solana all at the same time.
And then you have the rest of the coins, which is like 60% of all altcoins, bottom anywhere between three, six months, or even a year after Bitcoin does.
So if you're going into something like Cardano, which is a mid-tier altcoin, then I would say you're probably going to want to focus on buying that more heavily near the Bitcoin low or three to six months after.
So you can kind of hold off on dollar cost averaging deeper on that until we get later in the cycle.
You could focus on Bitcoin, Ethereum, and Seoul at this point.
Yeah, because usually Cardano bottoms way later than Bitcoin and Ethereum.
They're great.
It's a great project.
It usually does very well, but you have to get that bottom there.
Um, the other, here's the other thing: it's it's not bad.
He launched at midnight, which was good, and he, you know, he airdropped into a bunch of news.
Very active, very active.
That's what we like to see.
The founder's active, he's streaming, he's passionate about it.
He's still here.
Um, he looks you know much older than he actually is.
He's in his 30s and he looks like he's in his 50s or 60s.
Yeah, but um, the one little problem of why, like, like right now, it's at 29 cents.
I believe it's low of 22 or 23 was like 24 cents, so it is going to make a new low.
But one of the reasons why that's probably happening as well is because now since he has two tokens, you have confusion of which money, which like people are going to DC, like, even if just the money, some guys are just omega Cardano, some guys are like, I'm only going to do midnight.
Some people might do a little of both, but because it's not that those DCAs aren't concentrated, it kind of allows like the people who are selling it off because they're panic selling to allow the coin to go lower.
So, maybe it goes to 18 cents, possibly.
But, you know, it could really, you know, it could really run, you know, because Cardano is at some point going to get an ETF, I believe, and everything like that, along with like Chainlink, Uniswap, Litecoin's going to get one.
There's a couple of these coins that have been around since like 2017 that are going to get their run.
But, you know, you have time to buy it.
You have time to buy it.
Well, my last question is about XRP as well.
Like, it looks like it's fluctuating a lot.
What's your thoughts on that?
It's going lower, too.
Yeah, kind of same idea.
I think it can probably be holding up decently well, but it probably drops quite a bit more.
And it's going to have one of those moments where it kind of pukes on the price once we get closer to the four-year cycle low.
So it's probably going to have one of those more violent moves to the downside.
But it does have an ETF that will get bought up by somewhat by Wall Street next cycle.
So it's definitely one to pay attention to.
And people who know me on here, you know, I shit on XRP all the time.
But I'm a money maxi, right?
I am, if it goes low enough, I will buy it.
I will buy XRP.
I know it's Haram, I know, but like, I will buy it because it, now that a lot of these infrastructure plays that the government's putting in and Coinbase cracking, Gemini, crypto.com, PayPal, you know, JP Morgan, all the banks are all putting their infrastructure, their stablecoin money in.
We might actually get a little run in XRP this cycle.
So I'm willing to go on here.
Yeah.
All right.
Yeah.
Who's next?
0536.
You're up.
0536.
Hello.
I got 600 and a half cash.
I was dump it onto crypto what coin one.
Sorry.
You're breaking up.
You got to say that one more time.
I got between $6 if I should dump it.
Nigga, are you in a tunnel, bro?
I think he's saying he's got about $6,000 in cash.
$600 or $6,000?
Can you guys hear me better now?
Yes.
Okay, say it one more time.
I got between $600 and $1,000.
Oh, yeah, should I dump it all into crypto?
If so, what coins in one and around how much into each coin?
We'll definitely do that in the course.
I would say your best bet right now is Solana.
It's a little bit higher than our buy that we recommended to do because it's at 95, 96 bucks right now.
We recommended below 90.
I believe it will get above $100 here.
So it's not a bad one.
I wouldn't dump everything into it if that's pretty much what you're working with and you're not going to be adding new money into that later in the year.
I'd probably do like 30% of that or so, like basically like a few hundred bucks trade.
You can swing trade that along with the 60-day cycles.
If you watch Cultivate Crypto on my channel, I talk about that pretty much five days a week, if not a little bit more.
And yeah, if you're in the course, then definitely we'll be trading with you guys during that time.
But you basically have a bit of an opportunity now.
The next opportunity for the buy period will be the last week of March, first week of April, somewhere within that period, most likely.
So, yeah, I would say then if you make a little profit on it now, then when you sell it, let's say towards 110, 120, maybe a little bit higher, then I would buy back again.
And that might be in the next one to two weeks, and then buy back again in about three weeks to a month.
And then we'll have another bit of run.
But yeah, it's much better if you're in the course because we are live.
We've been live on YouTube, you know, all year, all Q4, everything like that.
But during the course, so for the month of April, we'll be out of YouTube and we'll be focusing 100% on the crypto mindset course, which is what we're talking about here.
All right.
All right.
So I'm 16, so it's good to dump it.
Oh, bro, you're not going to be able to do it.
Not all of it, but some of it into crypto.
Yeah, some of it.
And then I would say second half of this year, probably once we get towards about Q4, that's where you can be like, okay, I need to shovel it in.
And I would say if you're 16 this summer, focus on making as much cash as you can.
So find ways to make income, mow lawns, do whatever the heck you need to do, walk dogs, anything that you need to do, just gain cash, gain cash, gain cash.
Then when we get towards Q4 of this year, that's going to be a much easier time where you can dump it all into crypto essentially.
And then you'll have some longer term assets to hold.
Bro, and you're so lucky, man.
When you're 25, bro, if you stick with investing, I can't imagine where you're going to be when you're 25, dog.
Oh, my God.
You're going to have a lot of fun.
Yeah, I already got like $1,200 into crypto.
And then I sell stuff on Facebook.
And I also do landscaping, too.
Beautiful.
Mow those lawns, bro.
That's how I got started, bro.
Yeah.
Nice looking lawnmower.
Yeah.
Crypto definitely motivates you to want to make more because you want to get more Ethereum, more Bitcoin.
$1,200 right now will get you half an Ethereum.
That's awesome.
You know, keep stacking it, brother.
All right.
Thank you guys.
No problem.
Likewise.
All right.
One more?
68366836.
DeFi Wallet Security Basics00:06:01
Yeah, my question is what's the thought of wallet security?
Yeah.
I just put the law on it.
And I was wondering if it's safe to keep it on my mobile phone.
Well, so he said like he's he bought the wallet that you recommended.
So I'm guessing it's a treasure you bought, but like he still has like a wallet on his phone.
Is it safe to keep crypt on the phone?
You can keep a little bit of crypt on your phone, but if it's like, if you have like saved up quite a bit and you like, I only recommend Trezor as a cold storage device, the Trezor, the Model 5, not the 7.
I like the 5 that doesn't have Bluetooth.
I don't trust Bluetooth for shit for cold storage devices.
And leave your money on there.
Something I call a virgin wallet means you only use the wallet to send coins and receive coins.
So you send money there as like a vault and you leave it there.
You don't connect it to any websites.
It's not on your mobile phone.
It's on your either a home laptop or home computer.
And that'll pretty much like cover your basis and you be safe.
And then basically any phone call, text message, or anything that anyone talks to you about crypto in terms of like, hey, let me help you with some, I'm from Coinbase.
I'm from Coinbase Help Center and stuff.
It's all bullshit.
Anything that has to do with like, hey, let me talk to you in person.
It's all no one's going to call you.
Yeah.
So it's live.
So they're just trying to steal your money.
Gotcha.
So yeah, thank you.
No problem, man.
Cool.
Yeah.
And security and risk management are massive things in the course.
I would say if you're looking to get into the course, basically what you can expect is that, like I said before, we have 15 plus live webinars, five plus pre-recorded webinars.
We're calling this the Q2 2026 crypto mindset mega course, simply because we're going to be packing a lot of webinars in there.
On Wednesday last week on my channel on Cultivate Crypto, I recommend everybody to go watch the interview that I had with the founder, co-founder of Aerodrome, as well as the CEO of Dromos Labs.
If you go and watch that, you'll get a real good sense for what's happening in DeFi right now.
We're going to have him on a flash webinar in April, probably towards the end of April.
With us, we have other founders.
So basically, the way it's structured is you guys have until this Sunday, which is March 22nd at midnight Pacific Standard Time, to get in through the Fresh and Fit link here.
Then once you're in, between then and when we start the webinars, which will be around April 3rd or 4th, once we get to that period, basically the period between there, the 22nd to let's say the 4th of April, you'll be in the crypto mindset course chat.
You'll be able to get your wallet set up.
You'll be able to get your exchanges set up, understand the basics of DeFi, really kind of get the lay of the land here.
Then when we start webinars, we're going to start webinars for with what's happening in the market right now.
What do we expect over the next three to four months?
How are we going to play that?
What contingency plans are we going to have for stop losses, stuff like that?
Then we get into the basics from there.
So start with the most relevant information.
We have a top 50 coin list as well.
So that way it shows you what coins to mainly focus on during the quarter.
Then we have a portfolio breakdown of how to basically risk manage that.
We have a risk management webinar, which we highly recommend everybody takes as well to make sure that you don't lose money first.
Then we go through the basics.
And this is just like the first five or six webinars.
We go through technical analysis, which I do.
And then we go through fundamental analysis, which is Miguel's specialty.
Then we have on-chain data with one of our colleagues.
And then we have AI as well.
So those are kind of the four quadrants that we think everybody should understand to be successful right now in crypto.
That's the first, I would say, third to 40% of webinars.
We do two days on, two days off.
So we'll do the fourth and fifth at 7 or 10 a.m. Eastern, 10 p.m. Eastern on each of those days.
So that we take the fourth and fifth and then we take the sixth and seventh off.
And we'll go back and forth between those until we finish the 15 live webinars or a little bit more.
In the middle of the webinars, we then kind of, so we get you your basics, your foundation, everything that you need to know now.
Then we bump you up in the middle webinars, which is basically what do we think are some of the more profitable chains?
What kind of coins might have trading opportunities within those?
How can you do some flips over some swing trades, not day trading, not leverage trading?
We don't recommend those because most people lose money doing those types of things.
Then at the very end, the last, I would say, quarter or third of webinars, we bring in people who are doing projects.
So like Aerodrome co-founder is one of those.
We have some people from other chains as well, Ethereum-based stuff, because Ethereum is pretty much where everything's being built for stable coins.
And so we bring in different experts and we really turn on the jet.
So I would say if you're brand new to crypto, the first half will be really valuable to you.
If you're already in crypto, the second half will be the most valuable to you.
All of it's valuable, especially because nobody that I know at least has a comprehensive view of all four of those skills.
And so we will be filling gaps in your knowledge, whether you're experienced in crypto or whether you're not.
And we have a lot of like hedge funds and different companies like that coming in and being like, hey, I'll pay $9.98 one time for a course where I get another basically research team for me.
I don't have to, you know, I can sift through the information and see, okay, about 30% of what these guys say really jives with what I do.
And so I'm going to use that information, right?
And the other 70%, maybe it's useful, maybe it's not for them.
But you have people who are very experienced coming into the course, finding ways to basically get cheap research from it.
And then you have people who are brand new to crypto.
It's like a two-week to a month boot camp where essentially we give you everything you need to know about crypto.
And if you're, what do you call it, brand new to crypto or if you're just barely getting experience with it, within that month, you're going to be your local expert in crypto by the time you get done with it.
So it's one of the best boot camps.
Coding boot camps don't really do it right now.
It's AI and crypto is where you're going to make the most money over the next few years, in our opinion.
Two-Week Crypto Boot Camp00:00:51
All right.
Well said.
Okay.
Where can I find you guys and course schedule?
Yeah.
So you can find me at Dollar Cost Crypto, YouTube, Instagram, Twitter, everywhere.
That is social media.
And in terms of the course schedule, we'll be releasing it very soon.
But basically, courses start in early April, I would believe like April 3rd.
Yep.
Yeah.
All right.
We got any more chats?
I think we do, right?
Anonymous.
SCRC, 11.5%.
Nice.
Sure.
Strategic.
All right.
We got Octobers coming out right now with some girls in about 10 to 15 minutes.
All the girls are here.
Thank you, Miguel and Charlie.
We're all here.
Peace.
Clawbot.
Okay, I ran, I ran so far away I just ran, I run for