Crypto 101

How to actually get rich in crypto 1. Work a job and save $5,000 2. Swap it into USDC 3. Put it into 5 high yield DeFi protocols 4. Earn a free $1000 per month 5. Swap profits to USDC and repeat School will never teach you this…

This is an email I sent earlier today to all employees at Coinbase: Team, Today I’ve made the difficult decision to reduce the size of Coinbase by ~14%. I want to walk you through why we're doing this now, what it means for those affected, and how this positions us for the future. Why now Two forces are converging at the same time. We need to be front footed to respond to both. First, the market. Coinbase is well-capitalized, has diversified revenue streams, and is well-positioned to weather any storm. Crypto is also on the verge of the next wave of adoption, with stablecoins, prediction markets, tokenization, and more taking off. However, our business is still volatile from quarter to quarter. While we've managed through that cyclicality many times before and come out stronger on the other side, we’re currently in a down market and need to adjust our cost structure now so that we emerge from this period leaner, faster, and more efficient for our next phase of growth. Second, AI is changing how we work. Over the past year, I’ve watched engineers use AI to ship in days what used to take a team weeks. Non-technical teams are now shipping production code and many of our workflows are being automated. The pace of what's possible with a small, focused team has changed dramatically, and it's accelerating every day. All of this has led us to an inflection point, not just for Coinbase, but for every company. The biggest risk now is not taking action. We are adjusting early and deliberately to rebuild Coinbase to be lean, fast, and AI-native. We need to return to the speed and focus of our startup founding, with AI at our core. What this means To get there, we are not just reducing headcount and cutting costs, we’re fundamentally changing how we operate: rebuilding Coinbase as an intelligence, with humans around the edge aligning it. What does this mean in practice? - Fewer layers, faster decisions: We are flattening our org structure to 5 layers max below CEO/COO. Layers slow things down and create coordination tax. The future is small, high context teams that can move quickly. Leaders will own much more, with as many as 15+ direct reports. Fewer layers also means a leaner cost structure that is built to perform through all market cycles. - No pure managers: Every leader at Coinbase must also be a strong and active individual contributor. Managers should be like player-coaches, getting their hands dirty alongside their teams. - AI-native pods: We’ll be concentrating around AI-native talent who can manage fleets of agents to drive outsized impact. We’ll also be experimenting with reduced pod sizes, including “one person teams” with engineers, designers, and product managers all in one role. In short: AI is bringing a profound shift in how companies operate, and we’re reshaping Coinbase to lead in this new era. This is a new way of working, and we need to leverage AI across every facet of our jobs. To those who are affected I know there are real people behind these decisions — talented colleagues who have poured themselves into this company and our mission. To those of you who will be leaving: thank you. You’ve helped build Coinbase into what it is today, and I am sincerely grateful for everything you've done. All impacted team members will receive an email to their personal account in the next hour with more information, and an invitation to meet with an HRBP and a senior leader in your organization. Coinbase system access has been removed today. I know this feels sudden and harsh, but it is the only responsible choice given our duty to protect customer information. To those affected, we will be providing a comprehensive package to support you through this transition. US employees will receive a minimum of 16 weeks base pay (plus 2 weeks per year worked), their next equity vest, and 6 months of COBRA. Employees on a work visa will get extra transition support. Those outside of the US will receive similar support, based on local factors and subject to any consultation requirements. Coinbase prides itself on talent density. Our employees are among the most talented people in the world, and I have no doubt that your skills and experience will be highly sought after as you pursue your next chapters. How we move forward To the team that is staying, I know this is a difficult day. We’re saying goodbye to colleagues and friends you've been in the trenches with. But here’s what I want you to know as we move forward together: Over the past 13 years, we have weathered four crypto winters, gone public, and built the most trusted platform in our industry. We’ve made it this far by making hard decisions and by always staying focused on our mission. This time will be no different – nothing has changed about the long term outlook of our company or industry. And most importantly, our mission has never been more important for the world. Increasing economic freedom requires a new financial system, and we’re building it. The Coinbase that emerges from this will be more capable than ever to achieve our mission. Brian

90% of businesses fail. But that’s because people pick the wrong ones. Here are 7 businesses with the highest success rate for 2026:

No, I'm saying there are lots of secrets. Many of Ripple's partners insist on NDAs to keep their business secret. I'm saying the conspiracy theories that constantly claim something big is about to happen or that the government is going to do something massive are almost always going to be completely false and if you're investing time, money, or emotion based on them, you're fooling yourself.

THEM: "How much money would I need to retire right now?" ME: "It depends." THEM: "Oh come on, just give me an estimate." ME: *sighs* "Fine." $1 million for $40k annual income. $1.5 million for $60k annual income. $2 million for $80k annual income. $2.5 million for $100k annual income. $3 million for $120k annual income. $3.75 million for $150k annual income. $5 million for $200k annual income.

You don’t need a lawyer to transfer your home into a trust, but you must follow the correct legal steps. Here’s the full process. -Thread-

26 Passive Income Ideas: -Thread-

Why do billionaires own thousands of bottles of wine but never drink them? It's not because they love collecting red wines. It's because they know something that 99% of people don't even know exists. Here's how it works: When a billionaire gets hit with a massive tax bill, instead of paying it in cash, they go shopping, not for houses or cars, but for fine wine. They spend millions on rare bottles, and most of them never open them. They send the wine straight to a bonded warehouse. A bonded warehouse is a tax-free storage zone. No import duties. No sales tax. Nothing. As long as the wine stays inside, taxes are deferred. In many places, wine is classified as a wasting asset: something expected to have a limited useful life. This means that when its value increases, any gains can be taxed very differently from stocks or other investments. With the wine stored in bond, they don't even need to sell it. They can walk into a private bank, show documentation of their collection, and secure a loan against its value. They take the cash, invest it for higher returns, pay back the loan (plus interest), and pocket the difference, all while the wine remains in the warehouse, still appreciating in value. While you're buying bottles to make merry, the wealthy are buying bottles to build empires. It's called the monetization of pleasure

If you make $50k/year & your goal is to build a second income stream... Here's a full blueprint to make an extra $1,000/week in 2026:

Getting rich is easier than you think. In 2015, I bought: • 2 Bitcoin • 50 Ethereum • 30 ounces of Gold I'm no Warren Buffett... I just use this 5-step framework to spot undervalued opportunities:

Imagine starting a business when you could just: • Find a Boomer with a boring business • Buy it with little to $0 of your own • Keep the leftover cash flow This strategy pays me $900k/year. Here’s exactly how:

Banks don’t want you to know this: you can move your home into a trust without triggering the due-on-sale clause. Here’s how the wealthy protect property quietly and legally. -Thread-

How to keep your family happy: 1. You need to stop spending.

A regular American student bought an iPad and Mac Mini for $2,200. Connected them to his MacBook. Three computers on one desk - dorm roommates thought he was mining crypto. He just set up the automation and went to sleep. In the morning the system had already processed hundreds of leads, written personalized emails to each one and filled the CRM without a single touch. The team that did this before him- cost $7,000 a month He paid $2,200 once. There are 360 million companies in the world. 310 of them still pay people for what a machine does better. And only 100,000 people on the planet know how to set this up.

My girlfriend thought I was unemployed for 6 months She watched me wake up at 10am Sit on the couch in my underwear Stare at my phone for maybe 20 minutes Then close it and go make breakfast She thought I was depressed. She almost staged an intervention with my mum. My mates from school were texting each other asking if I was ok because I hadn't mentioned work in months Nobody asked me directly because they felt bad for me During those 6 months I made over $800,000 I'm not exaggerating. I have the account statements. In 6 months of looking like I'd given up on life, I made more money than a senior surgeon makes in 4 years And the thing that would properly break people's brains is what I was actually doing during those 20 minutes on my phone Checking if a specific price level on a chart had been hit yet. It usually hadn't. So I'd close the app and go about my day That was the job I didn't always live like this. 8 years ago I was an electrical fitter. $3,000 a month. Woke up at 6am. Crawled through building ceilings pulling wire. Came home covered in dust. I was 18 and I could see my entire future mapped out in front of me and it looked like a prison sentence First time I tried crypto I lost my entire life savings. Put it all in at the top because a YouTuber told me to. Bought more on a credit card. The market crashed. I was 19, broke, and in debt But during the time I was losing, I realized the people making millions in the markets weren't working harder than me. They weren't smarter. They weren't grinding 14 hour days at a screen They were barely doing anything. For weeks at a time. Then very occasionally, maybe once or twice a month, they'd make one move. And that one move was worth more than most people earn in a year I spent 3 years learning what that one move looks like. Still working my job during the day. Studying charts at night. Learning a completely different life in secret while nobody around me had a clue February 2020. COVID crashed the market. Bitcoin went from $8,000 to $4,000 in a day. Everyone panicked. Everyone sold. "Crypto is dead" was trending I took $2,000 and bought 3 months later I had $500,000 Bought my first sports car at 21. Turned $500K into $5 million over the next year and a half. Then an exchange called FTX stole every penny. Some kid in the Bahamas was using customer money to buy penthouses and donate to politicians $5 million to $3,000. Right back to square one Used the same system. Same lazy-looking strategy. Rebuilt to multi-millionaire within 12 months The system is this: I wait for a coin to fall 30-50% into a level on the weekly chart where crashes have previously reversed. Then I wait for it to crash THROUGH that level, wiping out everyone's stop losses. That's when all the panic selling happens. All the forced liquidations. Everyone dumps at once Then when price climbs back above the level, I buy. Because everyone who was going to sell already got flushed out. Nobody left to push it down. The only direction left is up Stop loss below the wick. Target the previous high. Wait That's it. That's the 20 minutes on the phone. Checking if this setup exists yet. Most days it doesn't. So I close the app and go eat breakfast 5 trades last month made me $293,000. My girlfriend now understands what I do. She's still confused by it though. Thinks I should at least put on trousers A student of mine used the same system to turn $1,000 into $100,000 in 42 days. A woman who joined not knowing what a chart even was cleared six figures in 7 months. Another guy made $50,000 in his first week None of them look busy. None of them are grinding. They just stopped doing the 48 pointless trades between the 3 that actually matter The hardest part of this job is explaining to people who work 60 hours a week that you earn more than them by doing almost nothing. Not because you're better. Because you learned to wait Most people can't sit still long enough for the money to come to them. They need to feel like they're doing something. So they click buttons. Take bad trades. Lose money. Then work harder to make it back, which makes them take more bad trades Doing nothing is the skill. Everything else is a distraction from it (every trade documented live. links in my bio)

Un padre que crió a 3 millonarios una vez dijo: «Nunca les enseñé a ahorrar» Solo NO permití un hábito en mi casa:

Claude can now analyze your mortgage like a Wells Fargo $350/hour home lending consultant (for free). Here are 7 insane Claude prompts that replace your mortgage advisor, refinancing consultant, and home equity strategist. (Save for later.)

Passive income is the path to wealth and freedom. Below are 6 passive income ideas for you:

If my 67-year-old mom wanted a side hustle to make an extra $2000/month... I wouldn't teach her Crypto I wouldn't teach her TikTok shop I wouldn't teach her how to place a vending machine I'd show her this simple side hustle (that's made me $1,000,000+) I'll expose it for you:

If I wanted to quit my job & replace my salary in 2026, here’s exactly what I’d do: 1. Go to SMBmarket and filter for businesses making $10k+/month in cash flow.