
The Average American on Fiat: - Lifetime Earnings¹: $1,500,000 - Lifetime Spending²: $3,300,000 - Lifetime Taxes¹: $525,000, or 35% of lifetime earnings - $ Purchasing Power Lost to US M2 Growth³: 95% over 45 working years (6.84% annually) Debt, taxes, and inflation place the average American in a precarious financial position. The only way for them to improve their standard of living is for their income and savings to outpace debasement. Let's assume they understand this and are one of the 62% of US adults who own stocks (generally via a retirement account). To reference the past statements of Lyn Alden and Michael Saylor, let's assume broad money supply growth is (was) the ideal hurdle rate. - Benchmark S&P 500 Average Nominal Annual Return: 10% - Average annual real return over 45 years = 3.16% The average American invests $5,000 per year.⁴ - $5,000/year for 45 years grows to $3.6M nominally. - Adjusted for M2, that’s just ~$183k in today’s purchasing power. Assuming contributions rise with M2 growth, the final real balance is still only ~$429k. Thus, even if the average American earns benchmark returns, they remain on a financial treadmill. What can they do to get off and get ahead? - 1-Year CAGR⁵: 99% - 5-Year CAGR⁵: 58% - 10-Year CAGR⁵: 86% - Projected 10-Year CAGR⁶: 20-30% Enter the new hurdle rate: ₿itcoin. REFERENCES ¹ https://www.self.inc/info/life-of-tax/ ² https://www.nasdaq.com/articles/the-average-american-spends-$3.3-million-over-their-lifetime:-see-how-that-breaks-down ³ https://ycharts.com/indicators/us_m2_money_supply_yoy ⁴ https://news.northwesternmutual.com/2025-04-14-Americans-Believe-They-Will-Need-1-26-Million-to-Retire-Comfortably-According-to-Northwestern-Mutual-2025-Planning-Progress-Study?utm_source=perplexity ⁵ https://casebitcoin.com/ ⁶ https://www.tradingview.com/news/cointelegraph:73b0a3f04094b:0-bitcoin-growth-remains-exceptional-as-data-shows-btc-s-strongest-phase-just-starting/?utm_source=perplexity