Your 5-STEP PLAN for success with bitcoin in 2026

Here is your five-step plan for Bitcoin
success in 2026.
Number one, download River. R I Ver, the
River app on Apple or Android. You can
get it on river.com. R I Ver. River like
the Mississippi River. River.com. No s,
just Ri. Those five letters. River.com.
Download the river app. use the Plaid
integration, which is the you you don’t
have to worry about that, but that’s the
integration they use to link it to your
bank account. So, download the River app
on your phone, link it to a bank
account, and you can buy as much Bitcoin
as you have money in your bank account.
It will connect to your bank account,
and it will transfer uh that enables you
to to buy live. You can buy $10,000. It
will pull it straight from your bank
account, buy Bitcoin. If you want to buy
large amounts, you can wire transfer.
You can do stuff like that. So, that’s
number one. Number one, download the
River app and buy as much Bitcoin as you
can on river.com. The prices are cheap.
You don’t have to check the price of
Bitcoin. All prices of Bitcoin right now
are on sale. It’s going to be on sale
probably for days, maybe weeks, maybe
months, but anyway, it’s on sale right
now. Buy as much Bitcoin as you can on
river.com. Number two, look at your
retirement accounts. If you have a
current 401k with a current employer, uh
there’s probably nothing you can do
about that. They’re not going to let you
put a current 401k in Bitcoin unless
your employer lets you, and they
probably don’t, but you can check with
your HR department and see if your
current employer will allow you to
invest in Bitcoin with your retirement
funds. But if you have an old 401k,
meaning a 401k from an employer that is
not your current employer, meaning
somebody you used to work for that you
still have a a 401k with, you can do
what’s called a rollover IRA. When you
take control of an old 401k plan, it
becomes a rollover IRA automatically.
That’s just what happens when you take
control over an old 401k plan, there’s
no way for you to personally administer
an old 401k plan. So, the mechanism that
happens is when you take control over an
old 401k plan, rather than just leave it
with the plan administrator, whoever
that happens to be, when you take
control over it, it’s called a rollover
IRA. The best place to do a rollover IRA
is Fidelity. specifically the Fidelity
Crypto IRA. The Fidelity Crypto IRA will
let you invest directly in Bitcoin. Now,
all of the Fidelity products will also
let you invest in Bitcoin through a
Bitcoin exchange traded fund, ETF,
exchange traded fund. The two largest
are Black Rockck. Uh the ticker symbol
symbol there is Ibit. I as in
Eyesshares, which is Black Rockck’s
brand name. I as in Eyesshares or iPhone
or iPad or whatever. And then BIT as in
Bitcoin. BIT, IBIT, IBIT is the largest
Bitcoin ETF. Uh, but my personal
favorite is the Fidelity because they
custody the Bitcoin themselves rather
than trusting Coinbase to do it.
Coinbase is very reputable, but I always
prefer to, you know, have one company be
the one throat to choke instead of two
companies both being the one throat to
choke. And then you risk that one of
them blames the other if something goes
wrong. And if you use Fidelity, there’s
nobody to blame because they custody the
Bitcoin themselves. And so if somebody’s
at fault, it’s Fidelity. And you know,
it’s just a lot cleaner that way. But
Fidelity’s Bitcoin ETF is SBTC. F is in
Fidelity, BTC as in the three ticker
symbols, letters of Bitcoin. BTC, the
first three consonants of the word
Bitcoin. Uh, okay. So FBTC is what I
would use, but you can also use
BlackRock, which is bigger. It’s the
largest one. Uh, Fidelity is the second
largest. Okay, so number one, river.com,
get the app, buy as much Bitcoin as you
can. Number two, look at your retirement
accounts. If you have an old 401k, you
can roll it into a Fidelity crypto IRA
and buy Bitcoin if you have or you can
roll it into a traditional rollover IRA
and buy Bitcoin with a Bitcoin uh
exchange traded fund, a Bitcoin ETF,
either Black Rockck or Fidelity. Uh,
also if you have a Roth IRA, you can
also uh buy Bitcoin either with a
Bitcoin ETF or you can move a Bitcoin
Roth IRA over into a Fidelity crypto
Roth IRA and buy Bitcoin. So, if it’s in
a Fidelity crypto account, you can buy
Bitcoin directly. If it’s not in a
Fidelity crypto account, you can still
buy a Bitcoin ETF from uh either
BlackRock or Fidelity. Uh but if it’s a
Fidelity uh crypto IRA, whether that’s a
rollover IRA from a 401k or just a plain
vanilla IRA or a Roth IRA, any of those
can be a Fidelity crypto rollover IRA,
Fidelity Crypto Roth IRA, Fidelity
Crypto Traditional IRA. Fidelity
supports all of those with a crypto
account which lets you directly advance
uh invest in Bitcoin or most other
platforms will allow you including
Fidelity with a traditional account
rather than a specifically crypto
account to invest in Bitcoin through one
of the ETFs. So the the second thing I
would do after buying as much Bitcoin
coin as I could with uh with uh River
and again if you’ve already got Coinbase
or Robin Hood or some other platform
Strike all of those are also great. Um,
you just have to be a little bit more
careful about getting scammed on those
platforms because hackers, they tend to
target Coinbase, for example, much more
aggressively than they target River. Uh,
mainly because Coinbase is just a lot
bigger and better known. Um, but anyway,
if you if you already have one of those
platforms and it’s working for you,
that’s fine. Just make sure it’s locked
down. Two-factor authentication, be
super careful that you don’t fall for
any scams. None of these companies will
ever call you uh pretending to be
technical support, pretending to be the
security department, asking you if you
have, you know, illicit fund charges,
blah blah blah. If anyone ever calls you
pretending to be from any of those
companies or pretending to be from
Google, it’s a scam. None of those
companies ever proactively call you
ever, ever, ever. Coinbase, River, Robin
Hood, Google, they will never, your
phone will never ring with another human
on the other side of it from those
companies. You will never get a robo
dial from any of those companies saying,
“Did you charge $527 in San Francisco,
California? If not, press one.” If you
get a robo dial like that, it is a scam.
None of those companies do that. They
don’t ever do that. So, uh, all right.
So, number one, buy as much as you can
on River or whatever platform if you
already have one. I would avoid
platforms like Venmo or PayPal because
the fees are just really high. The fees
are like 2 and a half%. Uh, it just gets
expensive on some of those other
platforms. I like River because it’s got
consistently low low fees. It’s Bitcoin
only. There’s no, they don’t market junk
and trash to you all day long. There’s
no futures and options. There’s no
credit card, you know, offers for
airline miles. There’s no, you know, uh,
March Madness brackets. There’s no
sports betting. Uh, all of that. River
doesn’t do any of the sort of casino BS
that a lot of platforms do. So, number
one, buy as much Bitcoin as you can,
ideally on River, but also Coinbase, uh,
or any of the other platforms. Also, if
that if you already have that and you
can avoid all the noise that works well.
Number two, look at your retirement uh
and see if there’s anything that you
want to put in Bitcoin on that. Again,
none of this is financial advice. This
is not investment advice, not legal
advice, not tax advice. I’m just saying,
you know, this is what people like me
are doing. So, you can decide if what
people like me are doing is something
that people like you want to do. This is
not advice. This is just, you know, if
somebody asked me what I would do if I
were them, this is what I would say. All
right. Uh, next up, uh, so once you’ve
got as much Bitcoin as you can on River
or another reputable platform and you’ve
got as much of your retirement that
you’re comfortable with in Bitcoin, uh,
the next question to ask is, uh, do you
want to secure that even further for the
Bitcoin that you hold personally with
something like Bitkey? And Bit Key is
the only thing I recommend. So
typically, if your personal holdings,
you don’t have to worry about Bit Key
for retirement holdings. that’s already
secure at Fidelity or Black Rockck or
Charles Schwab or uh any of those
platforms. Morgan Stanley uh Morgan
Stanley’s actually uh introducing their
own Bitcoin ETF uh in the next week or
two here. Um so if you if you have
retirement funds in Bitcoin, you don’t
have to worry about securing them even
more than they’re already secured.
They’re already secured. You don’t have
to worry about it. But if you have
Bitcoin on River, Coinbase, uh, Kraken,
um, Strike, Robin Hood, PayPal, Vinmo,
any of those platforms, Cash App, if you
have more than maybe5 or $10,000, it’s
probably worth securing it with Bit Key.
So, what is Bit Key? Bit key is a
hardware uh device that holds the keys
to your Bitcoin so that hackers and
scammers cannot get them when those keys
are held by Robin Hood or or you know uh
uh Coinbase or any of those other
platforms. Uh the way Bit Key works is
it’s this little physical device that
has a fingerprint reader on it. And in
order to move large amounts of Bitcoin,
you can move small amounts of Bitcoin
with just your phone. But if you want to
move large amounts of Bitcoin, you have
to touch this little device to the back
of your phone. And that is what keeps
hackers and scammers from uh getting to
your Bitcoin because they don’t have
this little device to touch to the back
of your phone. It’s super secure.
They’ve got built-in backup mechanisms.
If you lose the device, you’re fine. If
you lose your phone, you’re fine. If you
lose your device and your phone, you’re
also fine. As long as you have one
recovery contact set up on your phone.
They thought of everything. I’ve never
heard of anyone ever losing Bitcoin on
Bit Key. I’ve never heard of anyone ever
being scammed or hacked on uh Bitkey. I
absolutely have heard of people getting
hacked and scammed on other platforms.
Uh especially Coinbase just because
again, they’re much larger than any of
the other players. Therefore, they get
targeted for hacks and scams much more
aggressively than any of the other
platforms. Uh, but I have know
personally of people who have lost
hundreds of thousands of dollars on
Coinbase, for example. And I know
actually quite a few people that have
lost u money on Coinbase when a hacker
or a scammer compromised their account
or sweet talk them into compromising
their account on behalf of the hacker or
the scammer, typically pretending to be
from technical support or from the
security department of Coinbase or from
Google or from one of these other
companies. Uh, so anyway, Bit Key
bypasses all that. You don’t have to
worry about ever losing your Bitcoin. It
puts it in your control. You know,
there’s no way to get hacked. There’s no
way to get scammed. There’s no way to do
any of that. Uh so anyway, uh to recap
the steps here, number one, you know,
River or an app like it. Number two,
retirement accounts, Fidelity Crypto
ideally or just Fidelity or any platform
that will let you invest in Bitcoin. Uh
number three, uh secure it further with
uh Bit Key. And I’m trying to remember
if there was a step four or five. I
think I put in the title of this video
the five-step process. Maybe it’s like
three steps. Uh oh, down the road you
can spend your Bitcoin. I guess that
would be the last step is uh the best
place to spend Bitcoin is Coinbase. Um
and I just keep a small balance on
Coinbase so that the Coinbase debit card
and the Coinbase credit card don’t uh
you know so that they actually work when
I try to use them. Um but anyway, so
Coinbase is the best place to spend
Bitcoin when you are ready to spend
Bitcoin. Although you can also use the
bill pay feature on River or the bill
pay feature on Strike or uh things like
that. But if you want to use an actual
credit card or debit card, currently
Coinbase is the best platform that has
those. So, okay, technically that’s like
a four-step plan. Um, plus I’m out of
time, so even if I could think of a
fifth step, I don’t have time to talk
about it. So, anyway, that’s your
four-step plan. River uh River for
straight up Bitcoin purchases. um uh
Fidelity cryptoir IRA, crypto rollover
IRA, crypto Roth IRA, crypto anything
IRA, uh at Fidelity or a Bitcoin ETF. Um
just anywhere you can. Uh step two, uh
step three is Bit Key if you own five
more than 5 or 10,000 direct ownership.
Again, not for retirement accounts, you
don’t have to worry about that for
retirement accounts, but for direct
ownership. And step four is when you own
when bitcoin represents the majority of
what you own, you can spend it on uh
with a coinbased credit card, a
coinbased debit card or the river bill
pay feature uh which you can use to pay
off a credit card for example with
spending or you can use strike bill pay
stray
feature. Um or you can um uh again the
debit card and credit card at Coinbase
is what I use. Uh so there’s only four
steps. If I had more time, I’d think of
a fifth step, but there’s just four
steps. So simple as that. That’s the
formula. Uh let me know if you have any
questions. Otherwise, that’s exactly
what I would do. Bitcoin’s on sale. I
would buy it right now. It’s that
simple. Have a good day.