11 years of finance content. 2 Millions Community Founder of SmartViewAI. No. 1 at Binance Blockchain Awards 2025. Crypto, stocks, money habits. Not advice.
Michael Saylor's company bought another $138 million of $BTC last week, its biggest purchase in five months. Strategy now holds around 846,000 Bitcoin with a cost basis near $64 billion.
Every time this happens I get the same question: should I copy him?
Here is what people miss. Strategy buys with money raised from the stock and bond market, on a multi decade view, with no rent to pay and no margin call. You and I buy with savings, with a job, with a family, with a life that has monthly bills.
Same asset, completely different risk.
Copying the asset is easy. Copying the time horizon and the balance sheet is not.
Own Bitcoin if you believe in it. Just own it in your size, not his.
Do you think corporate buying like this changes the cycle, or is it noise?
Spot Bitcoin ETFs just logged seven straight days of net inflows, around $2.4 billion in the latest week. Here is what that actually means, and what it does not.
What it means: regulated money, meaning pensions, advisors and funds, is buying $BTC exposure through the stock market. Every dollar in requires the ETF to buy real Bitcoin.
What it does not mean: it is not a guarantee of price going up. In 2025 we saw weeks of inflows while price still fell, because ETFs are one buyer among many.
How I use the data: consistent inflows during a correction tell me long term holders are not the ones selling. That helps me sit still. It does not tell me when to buy.
One number, one context, no story. That is how you read flows.
The five people in every crypto group when the market dips 8% in a day.
1. The Buyer: "Best gift ever, loading more." Has 2,000 rupees left. 2. The Prophet: "I told you all last week." Did not post last week. 3. The Ghost: Very active at the top. Now offline. 4. The Philosopher: "Zoom out." Has been zooming out since 2021. 5. The Accountant: Quietly checks allocation, adds a little to the plan, goes to sleep.
Be the Accountant. It is boring and it works.
Which one are you, honestly? I have been all five at some point.
Markets spend Monday to Friday digesting the US jobs report and positioning for CPI on Oct 14.
Crypto side: token unlocks keep hitting the tape. Last week $HYPE had an unlock worth around $900 million, and whales were moving coins to exchanges ahead of it. Unlocks do not always mean a dump, but they always mean more supply. Check the unlock calendar for anything you hold.
Macro side: 10 year US yields above 5%, gold cooling near $4,100 to $4,200 after a massive year, oil in the low 90s. All three feed into the Fed decision on Oct 28.
Stocks: earnings season starts Oct 13 with the big US banks.
My plan: less trading, more watching, and cash ready for levels I actually like.
Sunday routine. 30 minutes. This habit changed my results more than any indicator ever did.
Minute 0 to 10: Open the journal. Every trade this week. Entry reason, exit reason, emotion at entry on a scale of 1 to 5. Minute 10 to 20: Find the pattern. Which trades broke my rules? Was it size, time of day, or news? Minute 20 to 25: Look at the week ahead. Fed speakers, CPI dates, token unlocks, earnings. Mark the hours I will not trade. Minute 25 to 30: Write one sentence: what I will do differently this week.
That last sentence goes on a sticky note on the monitor.
No new strategy. No new coin. One fix at a time.
Do you review your trades weekly, or only when something goes badly wrong?
I started making finance videos in 2015. Eleven years and several cycles later, these are the lessons that survived every one of them.
1. The people who got rich were rarely the loudest. They were the most consistent. 2. Every cycle has a new "this time is different." It never is, and it always is, at the same time. 3. Nobody remembers your winning calls. Everybody remembers when you were honest about a loss. 4. Education compounds slower than a pump, and lasts a lot longer than one. 5. The best investment I made was not a coin. It was learning to say "I do not know" on camera.
Still learning, still here.
What is one lesson the market taught you the hard way?
Stablecoins are the most used product in crypto and the least understood.
What they are: digital dollars. 1 USDT or 1 USDC is meant to equal 1 US dollar, backed by cash and short term treasuries held by the issuer.
Why they matter: Chainalysis says stablecoins now make up 96% of person to person crypto transfers within countries. Cross border stablecoin payments grew 77% in a year. This is real money movement, not speculation.
What changed this month: the Fed proposed rules for payment stablecoins. Regulation sounds boring, but it is exactly what lets banks and businesses use these rails at scale.
Risk to remember: a stablecoin is only as good as its reserves. Stick to the large, audited ones. A 20% yield offer on a "stablecoin" is the oldest trap in the book.
Do you use stablecoins for savings, trading, or payments?
The emergency fund is the least exciting thing in personal finance. It is also the reason some people survive a crash and others do not.
Rules I follow:
Size: 6 months of expenses. If your income comes from trading, freelancing or content, make it 9 to 12. Where: split between a savings account and a liquid fund or short FD. Instant access matters more than returns. Not: crypto, stocks, gold, or anything that can drop 30% in a week. When to use: job loss, medical, urgent family need. Not a dip, not an airdrop, not a "sure" trade.
When the emergency fund is full, you stop making fear based decisions in the market. You can hold through a red month because rent is not depending on it.
How many months of expenses do you have set aside today? Be honest, no judgement here.
Simple leverage math that every new futures trader should see before the first trade.
At 10x, a 10% move against you wipes the position. In crypto, 10% moves happen in a day. At 20x, it takes 5%. That is a normal candle. At 50x, 2%. That is noise. At 100x, 1%. That is the spread on a bad day.
Last week alone, over $250 million in long positions were liquidated when $BTC slipped under $83K. Most of those traders were not wrong about direction long term. They were wrong about leverage.
Leverage does not increase your edge. It only increases the speed at which you find out whether you have one.
I keep leverage low and position size small. Boring, and I am still here.
What is the highest leverage you have ever used, and how did it end?
Gandhi Jayanti today. One line of his I keep near my desk: "There is more to life than increasing its speed."
Sounds odd for a market that never closes. Think about it for a second.
Most of my worst trades came from speed. Fast entries, fast size increases, fast revenge after a loss. Most of my best decisions came from waiting: waiting for a level, waiting for the monthly SIP date, waiting for a plan to play out.
Crypto is a 24 hour market. That does not mean you need to be a 24 hour trader.
Slow money compounds. Fast money usually just moves from your wallet to someone else's.
What is one thing you are going to do slower this month?
The US jobs report drops today at 6:00 PM IST. Here is how to read it in 60 seconds.
Three numbers matter:
1. Jobs added (nonfarm payrolls). August was 162,000. A strong number means the economy is still running hot. 2. Unemployment rate. Last read was 4.1% and slowly falling. 3. Wage growth. Rising wages keep inflation sticky.
Why crypto cares: a strong report gives the Fed room to hike again on Oct 28. Higher rates make bonds attractive and pull money away from risk assets like $BTC and growth stocks.
A weak report does the opposite, until it gets weak enough to bring recession fear.
Markets want a Goldilocks number. Not too hot, not too cold.
I do not trade the first 15 minutes after the release. The spike and reverse trap is real.
Do you stay out during news, or do you trade the volatility?
"The stock market is a device for transferring money from the impatient to the patient." Warren Buffett said that decades ago. It applies to crypto more than anything.
Look at the last week on Square. One trader bought $QNT after it doubled in a morning and watched it give back 40% by evening. Others got liquidated on $HYPE longs during the unlock. Patience was not the trade of the week for them.
Meanwhile, the quiet person who has been buying a little $BTC every month since 2023 is fine. Not rich, just fine, and calm.
New quarter, new page. Here is the only trading plan format I have ever managed to stick with.
One page. Four lines.
1. What I trade: two or three markets I actually understand, not twenty. 2. Max risk per trade: 1% of the account. Not per day, per trade. 3. When I do not trade: big news hours, after two losses in a row, after midnight. 4. Weekly review: every Sunday, 30 minutes, journal open.
Everything else is noise. Indicators, alpha groups, signals, they all sit under these four lines.
Most accounts blow up not because the strategy was bad, but because line 2 and line 3 were ignored on one bad day.
Write yours in the comments. Four lines, that is it.
Uptober is here. Let me give you the real numbers, not the hype.
From 2013 to 2025, Bitcoin closed October higher in 10 of 13 years. The average October return was close to 19%.
Then October 2025 happened. $BTC started the month near $119K, went above $126K, and a US China trade shock sent it toward $105K. October closed about 4% down and a seven year green streak ended.
What I take from this: seasonality is a tendency, not a guarantee. It tells you what usually happens, not what will happen.
If your plan only works when October is green, it is not a plan. It is a hope.
Are you positioned for a green October, a red one, or both?
Q3 closes today. Before Q4 starts, I ask my portfolio five questions:
1. What did I buy this quarter that I cannot explain in one sentence? 2. Which position is bigger than I planned because I kept adding on dips? 3. Did I follow my stop loss rules, or did I move them? 4. How much did I pay in fees and taxes, and did I track it? 5. If I had done nothing for three months, would I be better off?
Question 5 stings for most traders. It stung me in my early years too.
An honest review beats a new strategy every single time.
Take 10 minutes tonight and answer these for yourself. Which one was hardest?
Today the US releases PCE inflation, the number the Fed actually watches.
Quick context, because this matters for every asset you hold:
The Fed raised rates on Sep 16 to a range of 3.75% to 4%, the first hike since 2023. Their own projection has PCE inflation at 3.7% this year against a 2% target. The 10 year Treasury yield touched 5.23%, the highest since 2007.
When safe government bonds pay over 5%, every risky asset has to compete with that. Gold, stocks, $BTC and everything else.
A hot PCE print today keeps the pressure on. A cool one gives markets room to breathe before the Fed meets again on Oct 27 and 28.
I am not predicting the number. I am making sure I understand why the market moves when it comes out.
Do you check macro data before trading, or only the chart?
At 12% a year, roughly what Indian index funds have averaged over long periods:
10 years: about 11.5 lakh (you put in 6 lakh) 20 years: about 50 lakh (you put in 12 lakh) 30 years: about 1.75 crore (you put in 18 lakh)
Look at the jump from year 20 to year 30. The last 10 years add more than the first 20 years combined. That is compounding, and it only works for people who do not interrupt it.
Every time you stop a SIP to chase a pump, you restart the clock.
I hold crypto too. This boring engine runs underneath everything else.
How long has your longest running SIP been going?
Past returns are not a promise of future returns. Education, not advice.