Fernando Nikolić: What the Data Says About Adoption

What does Australia's proposed crypto reporting bill mean for Bitcoin transactions and self-custody? Jordan Dittloff, law graduate and former Libertarian Party Senate candidate, joins Honest Money to share why he has concerns about the draft legislation on crypto asset tax transparency. Jordan explains what he says the draft would require of exchanges, why he is wary of rules being set by regulation, and why he sees red flags. Anja shares her concerns about wallet transfers and the physical safety of Bitcoin holders. 📝 Submissions close 28 October 2026. Read the draft legislation and make a submission: https://consult.treasury.gov.au/c2026-813391 🎙️ EPISODE SUMMARY Jordan and Anja discuss what the draft proposes for digital currency exchanges, how it connects to international reporting frameworks, and why Jordan believes the detail being left to regulations matters. Anja explains why she questions the reporting of transfers to your own wallet, and why she believes the safety of Bitcoin holders deserves more attention. Jordan shares his view on unrealised capital gains and superannuation. The conversation then widens to the cost of government in Australia, libertarian ideas explained in plain language, the role of the state, community, and the rise of One Nation. 🔑 KEY TAKEAWAYS Jordan says the draft would require exchanges to report transaction information to the ATO Jordan is concerned the draft leaves much of the detail to regulations made by the minister Anja questions why transfers to your own wallet need to be reported Anja highlights personal safety risks if holder data is leaked Jordan suspects unrealised capital gains could be a future focus for crypto Jordan describes libertarianism as the premise that you are the best person to make decisions for yourself and your family Both guests encourage viewers to read the draft and form their own view ⏱️ CHAPTERS 00:00 Meet Jordan Dittloff 02:55 The Bill and the Rushed Consultation Period 03:22 What the Exposure Draft Does 07:38 Why Rules by Regulation Concern Jordan 10:07 Anja's Concerns on Wallet Transfers and Ministerial Powers 12:48 Safety and Self Custody Risks 14:13 Unrealised Capital Gains and Super 18:39 Cost of Government, Not Cost of Living 20:26 Are Australians Waking Up? 24:27 What Is Libertarianism? Jordan Explains 29:00 Why Bitcoin and Libertarianism Overlap 31:45 Beyond Left and Right: The Political Axis Most People Miss 35:38 Is Libertarianism Right Wing? 38:22 The Role of the State and Personal Responsibility 41:03 Northern Rivers, Community and the Welfare State 43:56 One Nation: Can a New Party Change Anything? 48:32 Where to Find Jordan 🔗 FEATURED LINKS Jordan Dittloff Victorian Senate campaign: https://www.libertarians.org.au/vic_senate Jordan on X: https://x.com/Dittloff4Sense 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The

What happens to your Bitcoin if you die without a will? Dale Warburton, founder of My Bitcoin Will, returns to Honest Money to explain why most Bitcoin inheritance plans fail, and how to make sure your stack reaches the people you love. Dale walks through a real Queensland example of dying without a will, why your will becomes public during probate, and why naming your Bitcoin in it could put a target on your beneficiaries' backs. He also explains why an access plan matters even more than a will, how inherited Bitcoin is taxed in Australia, and why your plan is never set and forget. 🎙️ EPISODE SUMMARY Dale and Anja discuss wills, letters of wishes, executors, access instructions, and the legal side of Bitcoin that every holder should understand before they need to. The conversation moves from what the state does with your assets when there is no will, to the key terms every beginner needs: probate, executors, letters of wishes, and testamentary trusts. Dale shares why he started My Bitcoin Will after a lawyer dismissed his Bitcoin, and what makes a will valid. The episode also covers power of attorney, keeping Bitcoin in the residue of your estate, where to store access instructions, keeping your plan simple, cost base and provenance records, when Australian banks might offer Bitcoin custody, and the first step you should take today. 🔑 KEY TAKEAWAYS Without a will, the state decides who inherits your Bitcoin Intestacy rules differ by state, even between neighbouring towns Your will becomes public during probate in Australia A letter of wishes stays private and can point to your access instructions Leaving Bitcoin in the residue of your estate protects your beneficiaries Never store access instructions with your seed material Inheriting Bitcoin is not a taxable event in Australia Get your access plan in place first, then your will ⏱️ CHAPTERS 00:00 Meet Dale Warburton of My Bitcoin Will 00:59 What Happens If You Die Without a Will 04:03 Wills, Probate, and Executors Explained 05:55 Letters of Wishes and Testamentary Trusts 08:02 Are Australian Lawyers Bitcoin Literate? 11:14 Why Dale Started My Bitcoin Will 15:32 DIY Wills and What Makes a Will Valid 18:33 Losing Mental Capacity and Power of Attorney 23:29 How to Describe Bitcoin in Your Will 28:04 Why Bitcoin Is Harder to Inherit Than Shares 31:11 Where to Store Access Instructions 37:29 How Inherited Bitcoin Is Taxed in Australia 39:51 Cost Base, Provenance, and Bank Custody 47:25 Do Single People Need a Will? 49:51 Your First Step and Keeping Your Will Updated 🔗 FEATURED LINKS My Bitcoin Will: https://mybitcoinwill.com/ Dale on X: https://x.com/Dale21M 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow. ⚠️ DISCLAIMER This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and sp

What does the Australian government really think of Bitcoin? According to Bayani Mills, CEO of the Australian Bitcoin Industry Body (ABIB), the problem is that it doesn't. Bayani joins Honest Money to explain how policymakers, regulators, and banks actually see Bitcoin, and why Bitcoiners need to show up if they want the rules to change. Bayani breaks down why Australia fell behind on Bitcoin innovation, how Bitcoin mining could help build energy infrastructure and lower power costs, and why AML and KYC rules create risky stockpiles of personal data. He also shares why he expects a pitch for a retail CBDC within five years, and why the RBA talks about Bitcoin so much for an institution with no position on it. 🎙️ EPISODE SUMMARY Bayani and Anja discuss government sentiment toward Bitcoin in Australia, Bitcoin mining and energy, KYC, debanking, and the road to a retail CBDC. The conversation moves from ABIB's recent event at Parliament House in Melbourne, hosted by Libertarian MP David Limbrick, to why so many Australian Bitcoin miners stay quiet about what they do. Bayani explains how regulators put up barriers instead of leaning into innovation, and how talent and investment went overseas as a result. The episode also covers AUSTRAC and data collection, the cost and effectiveness of AML and KYC, Project Acacia and stablecoins, banks reviewing customers' social media, the difference between inflation, debasement, and CPI, the shift toward independents, and how everyday Bitcoiners can get involved through meetups and ABIB working groups. 🔑 KEY TAKEAWAYS Most Australian policymakers only know Bitcoin through crypto and mainstream media ABIB engages government on Bitcoin mining, energy, and methane abatement More Bitcoin mining is happening in Australia than regulators realise Regulatory barriers pushed Australian talent and investment overseas AML and KYC rules create stockpiles of personal data that put Bitcoiners at risk Bayani expects a pitch for a retail CBDC in Australia within five years Banks can decide who they serve, and Australians have no right to a bank account Rules only change when Bitcoiners turn up and engage with policymakers ⏱️ CHAPTERS 00:00 What Does Government Think of Bitcoin? 01:47 Changing Hearts and Minds in Parliament 03:51 The Parliament House Event in Melbourne 06:35 Why Australian Miners Stay Quiet 10:36 Aussie Bitcoin Talent and Capital Flight 14:46 How to Get Involved With ABIB 18:52 KYC, AUSTRAC, Data Honeypots and Wrench Attacks 27:57 Does AML and KYC Even Work? 32:24 What ABIB Has Been Working On 36:14 Project Acacia, Stablecoins and the RBA’s CBDC Paper 39:43 The RBA Has No Position on Bitcoin? 42:05 The Digital Euro and Money as a System of Control 48:44 Inflation, Debasement, and CPI 50:46 Debanking and Political Dissent 53:55 Independents and Political Engagement 56:51 Bitcoiners Inside Government and Banks 58:23 Is Gerard Rennick Coming Around? 1:01:30 What Bayani Is Most Bullish On 1:04:13 Meetups and Tools for Bitcoiners 1:06:09 Methane Abatement at Local Landfills 1:09:10 Final Thoughts 🔗 FEATURED LINKS ABIB: https://bitcoinindustrybody.org.au Orange Label: https://orangelabel.io BTC Map: https://btcmap.org 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, think

How do you get paid in Bitcoin in Australia, and why might it be the best defence against inflation far worse than the official figures suggest? Adam Poulton, CEO of Get Paid in Bitcoin, joins Honest Money to explain how Australians can receive part of their wages in Bitcoin into self-custody, and why he calls CPI “a CP lie”. Adam breaks down why real inflation measured by the money supply runs closer to 8 to 10 percent a year, how house prices track money printing rather than CPI, and what that does to your wages, savings, and chance of ever buying a home. He also shares how Get Paid in Bitcoin works with payroll systems like Xero, why he was banned by a major bank for life, and why no change of government can outrun money printing. 🎙️ EPISODE SUMMARY Adam and Anja discuss getting paid in Bitcoin in Australia, real inflation, debanking, and why political fixes fall short. They also dig into why ⁨Dave Hughes⁩ and ⁨Karl Stefanovic⁩ feel so close to landing on Bitcoin as the solution. The conversation moves from how Get Paid in Bitcoin works, including its Xero payroll integration and self-custody by default, to why the gap between CPI and real inflation leaves workers falling behind every year. Adam explains how M3 money supply has grown around 8 to 10 percent a year for decades, and how that reshapes wages, retirement, and everyday life. The episode also covers Adam’s lifetime ban from a major bank, the debanking wave hitting Bitcoiners and business owners, the friction on cash withdrawals, the tobacco-tax Laffer curve, and why Adam believes Bitcoin, not a change of government, is the real escape from a broken monetary system. 🔑 KEY TAKEAWAYS Get Paid in Bitcoin lets Australians receive wages in Bitcoin, into self-custody It integrates with payroll systems like Xero for easy employer setup Official CPI badly understates what Australians actually lose to inflation each year Real inflation measured by money supply runs closer to 8 to 10 percent a year House prices track the growth in money supply, not the official CPI figure Australia creates hundreds of billions of brand-new dollars every single year Debanking is hitting Bitcoiners and business owners, Adam was banned for life No change of government can outrun a monetary system built on money printing ⏱️ CHAPTERS 00:00 Meet Adam Poulton of Get Paid in Bitcoin 01:15 What Get Paid in Bitcoin Actually Does 05:25 Self-Custody by Default 06:56 Bitcoin as an Employee Retention Tool 09:08 Why Wages Can’t Keep Up 13:41 CPI vs Real Inflation 21:30 Hundreds of Billions Printed Every Year 26:30 Is Australia Waking Up to Money Printing? 31:30 Why Dave Hughes and Karl Stefanovic Are So Close 39:13 Banned for Life by the CBA 41:05 The Debanking Wave Hitting Australians 43:37 Bracket Creep and a Broken System 46:26 WTF Happened in 1971 48:30 Why Political Fixes Won’t Work 53:01 The Tobacco Tax and the Laffer Curve 58:29 Bitcoin Price Outlook and Final Thoughts 🔗 FEATURED LINKS Get Paid in Bitcoin: https://getpaidinbitcoin.com.au Adam Poulton on X: https://x.com/adampoulton WTF Happened in 1971: https://wtfhappenedin1971.com 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical ins

Where is the Bitcoin price really heading, and does the power law still point to Bitcoin reaching millions? Stephan Livera joins Honest Money to explain his outlook on Bitcoin's price, why adoption is slower than he once believed, and what the power law model projects for the decades ahead. Stephan explains how his thinking on Bitcoin adoption has shifted over eight years, why he now meets people wherever they enter the funnel, from ETFs to self-custody, and what the power law suggests about Bitcoin reaching roughly a million dollars in the early 2030s and around ten million by 2045. Along the way he reflects on the long game of Bitcoin, surviving your first bear market, community infighting, and what the Coldcard hack really means for self-custody. 🎙️ EPISODE SUMMARY Stephan and Anja discuss Bitcoin's price trajectory, the power law, bear markets, and self-custody. The conversation moves from eight years of podcasting, through his long-term conviction on Bitcoin as money, to how he now sees adoption as a broad funnel rather than an all-or-nothing choice. He explains why he likes the power law as a grounding model over the debunked stock-to-flow, and what it projects for Bitcoin's price into the 2030s and 2040s. The episode also covers why the first bear market is the hardest and why dollar-cost averaging through it matters most, the exhausting community infighting around BIP-110 and spam, the quantum-security consortium forming around Bitcoin, and why, after the Coldcard hack, Stephan believes multi-vendor multisig is the real long-term answer to self-custody. 🔑 KEY TAKEAWAYS The power law projects Bitcoin near a million dollars in the early 2030s and ten million by 2045 Stephan favours the power law as a grounded model over the debunked stock-to-flow Bitcoin is not get rich quick, it is a five to ten year, multi-decade process The first bear market is the hardest, and DCA through it matters most He has evolved on "Bitcoin only" while keeping his long-term conviction Adoption is a broad funnel, from ETFs and custodians to full self-custody Community infighting over BIP-110 and spam burned out many builders After the Coldcard hack, multi-vendor multisig is his long-term self-custody answer ⏱️ CHAPTERS 00:00 Intro: Bitcoin's Path to Millions 05:09 Bitcoin Only, With Nuance 15:07 The Hybrid Car Theory of Adoption 18:21 Bitcoin as a Broad Adoption Funnel 23:45 Why Bitcoin Isn't Get Rich Quick 30:50 Do the Price Models Actually Work? 34:47 Surviving Your First Bear Market 37:30 Infighting, BIP-110, and Spam 43:45 Institutions and the Next Fork Fights 46:16 The Quantum Security Consortium 48:38 Self-Custody After the Coldcard Hack 52:31 The Continual Learning Journey 56:56 Community Questions: Lightning in Australia 01:01:43 Final Thoughts: A Multi-Decade Process 🔗 FEATURED LINKS Stephan Livera on X: https://x.com/stephanlivera Stephan Livera Podcast: https://www.stephanlivera.com/ 🔗 AFFILIATE LINKS Buy Bitcoin in Australia With a $10 Sign Up Bonus HARDBLOCK: https://hardblock.com.au/join/honestmoney Learn to Acquire, Secure, and Manage Your Bitcoin MINERACKS: https://www.mineracks.com/honestmoney Shop Signing Devices, Bitaxes, Nodes, Apparel, and More SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au Collaborative Security, Inheritance Planning, and Retirement Strategies THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling LOAN MY COINS: https://www.loanmycoins.com/honest-money 📌 ABOUT THE HONEST MONEY SHOW The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty. 🔗 CONNECT WITH US Subscribe for weekly deep dives into Bitcoin and money literacy. Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow.