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Earn Out Loud
Hey friend,
Your cryptocurrency is about to become a whole lot easier to leverage in the real world.
Last week, the FHFA (Federal Housing Finance Agency) ordered Fannie Mae and Freddie Mac to prepare to formally accept cryptocurrency as an asset when buying a home.
Yep, cryptocurrency is taking another step away from decentralized models, and one step closer to mainstream financial systems.
The Road to “Real”
Since its inception, crypto lived outside of traditional financial markets; rightfully so.
Traditional finance didn’t know what to do with it.
It wasn’t backed by any real-world assets.
And many traditional investors saw it as nothing more than a number on the screen.
Now, it’s clear that it’s following the typical technology adoption process:
First, a small group of individuals adopts the new “thing.”
Second, businesses begin adopting it.
Third are the financial institutions.
Finally, regulators built rules around it, making it easier to “control” inside of America’s ecosystem.
By the time everyone agrees the tech is “real,” it has been used for years.
Early Birds Catch Worms
That’s why I started allocating 5% of my investments to Bitcoin ETFs in June 2025.
Cathie Wood, CEO of ARK Invest, wrote a staggering stat in her research around the Bitcoin Valuation Model: Between 2012 and 2025, Bitcoin ballooned 2,099,900%.
Her firm believes Bitcoin has a 2030 price target of roughly $2.4 million.
Source: ARKInvest.com
What’s Driving Bitcoin?
Cathie’s firm listed six drivers that influenced their forecast.
I believe only two are worth mentioning today:
Institutional investors allocating more money to Bitcoin
The US government establishing a strategic Bitcoin reserve
The first point is a simple principle of supply and demand: As institutional buyers demand more ownership of this limited asset, price increases will follow.
The second point is the precursor to exactly what’s happening in the housing market today: Government ownership leads to acceptance of the tech across government programs, which then leads to mainstream economic adoption (i.e., Fannie Mae and Freddie Mac).
Why This Matters to Investors
ARKB stock declined by 46% between 2025 and 2026.
After hitting a high of $41.70 in 2025, ARK Invest’s Bitcoin ETF, ARKB, just fell to $21.28 in July 2026.
And whenever a stock falls, investors ask: "Should I buy the dip?"
The key to investing in speculative assets like Bitcoin is to pick a small percentage, like 3% to 5%, of your portfolio. This exposes you to the opportunity without overleveraging yourself.
Right now, the investors driving the stock down are focused on short-term headwinds.
Meanwhile, the government has already shown you its long-term plans for crypto. That’s where I’m focused as a long-term investor.
I encourage you to do your research on Bitcoin. Click here to read the ARK Invest research paper.
Big Beginner Insight
A big mistake in investing is focusing only on the technology.
Sometimes, a better question is: Who’s beginning to trust the technology?
When banks, payment networks, regulators, and mortgage institutions start preparing their systems for it, it tells you something is happening.
It doesn’t remove the risk.
But you should also consider preparing for it.
Keep investing in tech that shapes our future,
-Isaiah from Earn Out Loud
I'm 63 With $1.5M. Can I Spend $10K a Month?
You’ve saved $1.5 million. Now comes the real test.
Can it produce $10,000 a month, or will that pace drain your portfolio?
Most retirees do not get a clear answer until it is too late.
The issue is not just how much you have. It is whether your portfolio was built to pay you, not just grow.
That difference can determine whether your money lasts decades or starts breaking down early.
Sequence of returns, taxes on withdrawals, healthcare costs, and whether the 4% rule still applies all play a role.
Fiduciary advisors created a breakdown showing what drives sustainable income and why the same $1.5M can produce very different outcomes.
If you have $1M or more invested, do not guess.