From Small Town to $500K Portfolio | DIY Investing & Bitcoin

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In this episode of the podcast, I sit down with Michael, a Blossom investor with a DIY portfolio of over $500,000 and a clear mission: optimize total returns through disciplined DIY investing.

Michael shares his journey from growing up in a small town to becoming a confident, self-directed investor with a strong foundation in computer science, technology, and critical thinking. He breaks down how his mindset evolved—especially during the COVID era—when he transitioned fully into DIY investing and leaned more aggressively into technology stocks and Bitcoin.

We dive deep into portfolio management, why total returns matter more than dividends alone, and how patience plays a massive role in long-term success. Michael also offers a thought-provoking perspective on Bitcoin as a potential alternative to bonds, the evolution of money, and why today’s debt-based financial system may be fundamentally broken.

As a father, Michael is especially passionate about financial literacy for the next generation. He shares how he’s preparing his children for financial independence by teaching discipline, consistency, and real-world money lessons—learning not just from success, but from failure too.

🔑 Key Takeaways
How a small-town upbringing shaped Michael’s financial mindset
Why a computer science background improves investing decision-making
The power of DIY investing for long-term wealth building
Why total returns matter more than dividends alone
How Michael structures a portfolio of stocks, ETFs, and Bitcoin
Bitcoin’s role as a hedge against inflation and a bond alternative
Why holding cash and bonds may lose purchasing power over time
Understanding debt, inflation, and the modern monetary system
Teaching kids financial literacy, discipline, and independence
Why consistency matters more than timing the market
How success and failure shape better investors

Do you see Bitcoin as a legitimate alternative to bonds in a long-term portfolio—or is that a step too far? 💭🤔

Chapters:
00:32 Introduction to Michael and His Journey
04:35 Early Influences on Financial Mindset
10:30 Education and Its Impact on Investing
14:20 Transitioning to DIY Investing
20:25 Building a Diverse Portfolio
26:34 The Role of Technology in Investing
32:25 Bitcoin as a Portfolio Alternative
40:50 The Evolution of Money and Debt
43:44 Bitcoin as a Hedge Against Inflation
47:22 Investment Strategies and Portfolio Management
51:10 Teaching Financial Literacy to the Next Generation
57:04 Preparing Children for Financial Independence
59:13 Rapid Fire Questions
1:04:40 Surprise Questions
1:05:53 Closing

This content is for entertainment and informational purposes only and is not financial, investment, or tax advice. I’m not a licensed advisor. All opinions are my own or my guest’s. Always do your own research and consult a qualified professional before making financial decisions. Investing involves risk, including the loss of principal. Past performance is not a guarantee of future results. Information is accurate as of the posting date and may change over time.

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