I built a free Bitcoin retirement simulator and tried something simple: same 2 BTC, same $3,000 a month, and the only thing I changed was when the spending starts.

• Start now: the stack lasts until about 2036
• Start in 2030: it lasts until about 2050

Waiting looks like a free win. But the model assumes the price keeps rising over the long run, so waiting just means selling at higher prices.

Then I made the price fall 70% right after the 2030 start. Same coins, same spending, and it runs out in 2037 instead of 2050.

Thirteen years of difference, just from timing.

Do you build a crash into your own plan, or just a smooth line?

It's a model, not a forecast. The simulator is free with no signup if you want to try your own numbers: https://bitcoinlifespan.com/

All the money in the S&P500 is about to pour into Bitcoin after a few basis point drops.

Anyone else mulling over how BTC or even the value of the Canadian Dollar may react as the Albertan referendum approaches?

I know what the polls say, I know what various news sources are saying, but I can't help but wonder what happens to CAD if the provincial referendum passes, and America swoops in for the assist because OIL, completely ignoring the country-wide 'permission' referendum.

Should Canadians be thinking of BTC as backup savings in the case of CAD decline?

Hello.. i need your help with you guys, because i need some "closure" or "idea" of why this is happened..

im gonna tell you a story about my friend who got hacked for the 2nd time in his cold wallet.

1st he was using trezor
2nd he was using ledger

All the event was not in the same day, but after the first incident which was on January, he right away traumatized and move to Ledger this month. But sadly got hacked again.

The conditions are:
Those hacks always happen whenever my friend was travel abroad.
He was travelling with his family, so no one was at home to steal the Seed Phrase.
Seed Phrase manually written on a paper and kept in the safety box.
He never saves his seed phrase anywhere beside on paper.
He was using Iphone for the apps.
He bought the cold wallet DIRECTLY through the official website, not from any reseller.
1st incident was on January, 2nd incident was this month.
All the btc being transferred to more than 20 addresses, which is such a professional hack i think.

Maybe, anyone of you might help with what was happening? Because i find it odd, my friend and I are using the same cold wallet, but luckily im the only one not got hacked?

I need you guys to tell me something about this, like, i need you guys to be my detective because i know everyone on Reddit has intelligence more than any other forum.

Thankyou before!

Edit: please tell me your theory. I will try to reply it while im still logging in.

They tell you to dollar cost average. They tell you it's a hedge against inflation and currency debasement.

But after over two full years of consistent buys, watching the price consolidate while everyday living expenses continue to climb, the reality looks very different.

Losing hope on this, it’s wasting my time

https://reddit.com/link/1x7d69x/video/a3siqysr8tvh1/player

Will AI agents choose Bitcoin over dollars? Jack sees the long-term fit, but says AI companies aren’t asking for Bitcoin integrations yet.

What would make Bitcoin useful enough for them to switch?

Bitcoin Bancorp was the winning bidder earlier this month for a chunk of Bitcoin Depot’s assets out of the Chapter 11 case. That includes roughly 2,446 ATM kiosks, floorspace agreements, parts inventory, IP, trademarks, patents, and the BitcoinDepot.com domain.

Some portions have already closed and they’re taking possession of those. The rest is still subject to the usual conditions, with remaining closings expected this month.

Bitcoin Optech newsletter #427 is here:

• summarizes the disclosure of two denial-of-service vulnerabilities in older versions of Eclair
• describes a proposed scheme for running complex multi-round contracts inside Lightning channels
• Optech Newsletter #427 Podcast https://bitcoinops.org/en/newsletters/2026/10/16/

Erick Cestari posted to Delving Bitcoin the responsible disclosure of two denial-of-service (DoS) vulnerabilities in the channel opening process of Eclair v0.14.0 and earlier... https://bitcoinops.org/en/newsletters/2026/10/16/#disclosure-of-two-dos-vulnerabilities-fixed-in-eclair-v0-14-1

Adam Gibson posted to the Bitcoin-Dev mailing list about a proposal for protocol, called LN-GAP, to run complex, multi-round, two-party contracts inside a Lightning channel while settling disputes onchain in a constant number of transactions... https://bitcoinops.org/en/newsletters/2026/10/16/#offchain-contracts-in-lightning-channels

Bitcoin Optech will host an audio recap discussion of this newsletter streaming live on X/Twitter Tuesday at 16:30 UTC.

Finally received one of these, it didn't automatically make it to the spam folder either...

Add your version of enjoyment in it. Pls, no buying the dip in this one, that's a valid, but separate issue.

Is this the right time to Buy Bitcoin??

Hello everyone

I wanted to create a multisig for example 3 of 5 using sparrow wallet as the coordinator.

I wanted signers to be mix of hardware wallets and software wallets:

- hardware wallet

- hardware wallet

- hardware wallet

- bitcoin core

- electrum

But i'm having a lot of difficulty getting the software wallets to work with sparrow (or being confident/comfortable that it's working as intended and won't have issues)

My issues and concerns:

- Electrum when creating a standard single sig gives a derivation path of m/0h (not the m/48'/0'/0'/2' derivation path that sparrow is looking for) and a zpub (not an xpub).

- I asked AI and it then kept telling me that's wrong and to create a multisig wallet in electrum but just don't give the xpubs of the co-signers. But electrum forces you to add co-signers and then AI said, just give it fake xpubs! I'm not sure/confident this is correct way to have electrum added as a co-signer to sparrow coordinator even if it did accept it.

- Bitcoin core gives a single sig derivation path of: 84h/0h/0h (again not the m/48'/0'/'0/2' derivation path sparrow is looking for)

- I believe h is same as ' so in sparrow anywhere there is an h I should substitute it with an '?

- Is this not possible? If it is possible, is it not advisable to do? It seems very few people have tried this and maybe even fewer have software wallets like bitcoin core and electrum as co-signers with sparrow coordinator.

The reason I wanted to do this was to diversify signers and to have some signers that were not hardware wallets. Software wallets would have their own laptop.

Please help! I wanted to at least test/try it to see how I feel about the process, signing, backups, restoring, etc. It sounded nice to me on paper.

Thank you

Most people keep Bitcoin as an investment. A lot of people don't even have real Bitcoin, but paper that represents Bitcoin (ETF).

However, those that are in it for the money revolution, what are you actually using it for?

Would you rather spend Bitcoin online or at a brick-and-mortar store?

Do you gift Bitcoin as a birthday present?

What else?

Throwaway because reasons.

With all the hacks lately in the BTC ecosystem, I'm a little bit paranoid. This week I purchased a Pi zero 1.3 from Adafruit and a Waveshare display hat directly from Waveshare - it is shipped from China.

I am making a Seedsigner. Are they ways to test the hardware to make sure it is genuine or has not been altered such as you can do with software signatures? What should I look for physically?

Thanks,

A paranoid bitcoiner

I wish my government (US) would start investing in crypto instead of some of the dumb stuff we waste our taxes on. The way they are giving 7.3 billion to shit like ICE to chase after workers in the country, but can't invest in future planning for a better economy? Anyways, just something I keep thinking about as things continue to get more expensive

What do you guys think?

Using covenants, one UXTO can be shared by a million users. Any user can leave at any time in a single transaction. Users don't need to be online to receive. Funds never time out. Transaction introspection techniques permit batched exit from the system in a single transaction w/o any pre-signing.

LayerTree is the next step in bringing bitcoin to billions.

More info: http://layertree.tech