…because it’s never too late to achieve financial independence

Photo by Harli Marten on Unsplash

Investing is all about time and money. You can make a fortune if you invest enough capital, enough time, or both, but when you have neither, it gets a lot harder.

In this article, I’m going to make the case for investing in bitcoin for those who are already retired or near retirement age.

It’s never too late

Arguably, when you pass the 55 mark, you’ve probably got more time behind than ahead, that’s just the way it is. However, do you know how long you’ll live? …


Do they know something we don’t?

Photo by Nadir sYzYgY on Unsplash

I don’t know you, we’ve never met, but for the sake of this argument, I’m going to assume you haven’t bought any Bitcoin yet. Not judging, just saying.

You’ve heard about the crypto world, you have done some research and you have asked your brother-in-law (who seems to be an expert in just about everything) about this mysterious yet enticing world of cryptocurrencies.

But for some reason, you haven’t taken the plunge. It’s too expensive, it’s risky, it’s a bubble, bad for the planet and all that palabra.

But deep down, you keep wondering…


If you don’t love it by now…

Photo by Alex Radelich on Unsplash

Bitcoin is not for everyone, some people will never get it and that’s ok. They will keep thinking it’s a scam, a bubble, and a useless invention that serves no purpose whatsoever.

They might be right, but they could also be very wrong.

The question here is:

Can you afford to be wrong this time?

Risk management

As any macro investor will tell you, if there is a chance of a new trend, technology, or market succeeding, it’d be very risky ignoring it completely.

For example, if you think that autonomous cars have a non-zero…


Fragmento de mi libro publicado en Amazon

Hoy escuché una entrevista en la cadena CNBC y me llamó la atención lo que dijo el invitado:

“¿Cómo le vas a explicar a tus nietos que fuiste testigo de la mayor transferencia de riqueza en la historia de la humanidad y decidiste no participar?”

Esto es Bitcoin, una revolución que va a cambiar el mundo y que tenemos la inmensa suerte de estar presenciando en vivo y en directo.

Somos pobres. Hay que afrontar la realidad. No es culpa nuestra. Trabajamos duro, cumplimos las reglas, pagamos los impuestos pero… El sistema que…


8 Changes coming your way you should not ignore

Photo by Hadija Saidi on Unsplash

If you can remember a world without the internet, digital photography, or Netflix, then you’ve been around.

We witnessed so many quiet revolutions taking place, so many technological changes and so many disruptions that by now, we should be used to it.

But we aren’t.

We still keep thinking that the future will be a slightly improved version of the present but mostly, things will actually stay the same.

But they won’t.

I remember how most people didn’t get the internet in the 90s, didn’t get smartphones, digital photography, social media…


Empieza a construir tu bote salvavidas

Photo by Cathy Mü on Unsplash

Una de las cosas que más me sorprende cuando hablo con la gente es que la mayoría todavía piensa que van a cobrar su pensión completa y que van a poder disfrutar de una cómoda jubilación.

Tengo malas noticias. Las pensiones están en quiebra, el mecanismo está roto, tiene graves fallos estructurales. El sistema de pensiones actual fue diseñado en Alemania en los años 30 cuando la esperanza de vida era de 65 y la edad media de la población era de menos de 30 años.

Casi un siglo después, los papeles se han…


Fix your time preference

Photo by Robert Koorenny on Unsplash

Most people think the way to riches comes from a decent salary, penny-pinching through life, and investing in a decent pension fund.

But this is exactly why most will die broke.

Making money is all about investing in yourself, taking risks, cultivating your entrepreneurial side, and understanding leverage.

It’s almost impossible to become wealthy from a salary for several reasons, the main one being time. There are only 24 hours a day so even if your hourly rate is very high, by the time your discount expenses and taxes, you are still scraping by.

Time preference

Low-time preference is the ability to…


Plant a tree now. Wait for 20 years

Photo by Yavor Punchev on Unsplash

You might think you’ve missed the boat. You could have bought Bitcoin @ $1, $10, $100, $1000 and $10,000 but now @ $50,000 it feels like it’s too late.

But remember, everyone that bought at those prices also thought it was too late. I had a chance to buy @ $200 but didn’t, then it went to $500 and I finally bought some. But I couldn’t help thinking that I had missed the proverbial boat.

This is the never-ending story. …


La mayor apuesta asimétrica de la historia

Photo by Andy Kelly on Unsplash

Lo has escuchado en las noticias. La gente habla de ello en el bar. Escuchaste a los críticos y a los defensores. Sientes el miedo pero también la tentación. Comprendes los riesgos pero aún así has decidido que quieres aprovechar esta oportunidad.

¿Y ahora qué?

¿Cómo se compra Bitcoin? ¿Cuánto he de comprar? ¿Que otras monedas son interesantes?

Esta es mi opinión al respecto.

Bitcoin

Bitcoin es la reina, la más valiosa, la más segura y la más descentralizada. Si solo compras una, que sea bitcoin.

Posee la mayor red de nodos, tiene la…

Alberto Guerrero

Contrarian, inquisitive, rebel, unconventional, dreamer and warrior. Never give up, never too late, never enough. Enjoying the journey and making the most of it

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store