Advertise on podcast: Crypto Collective

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://cryptocollective.com.au/coinstash Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] If you're in your mid‑50s, you don't need a 40‑year retirement plan, you need a strategy for the next 5 to 10 years. In this new episode, Matthew Fraser shares the retirement framework he'd use today to take control of super, build a personal buffer before 60, and give retirement savings the best chance to compound. You'll learn: ◼️ Why the traditional retirement path may not work for people in their 50s ◼️ The two‑bucket strategy Matthew would use before retirement ◼️ How SMSFs and Bitcoin fit into a long‑term retirement plan ◼️ The biggest mistakes people make in the final years before retirement ◼️ How to think about tax, compounding, and access to capital before 60 Timestamps: 00:00:00 - Introduction 00:01:36 - The Two Buckets Strategy: Super vs. Personal Funds 00:02:07 - Step 1: Moving to an SMSF 00:02:50 - Step 2: Allocating to Bitcoin 00:03:11 - Step 3: The Importance of Holding 00:04:25 - Understanding the Tax Benefits of SMSF 00:05:36 - Building a Personal Cash Buffer 00:06:12 - Long-Term Growth Projections for Bitcoin 00:07:09 - Avoiding Common Mistakes in Your 50s 00:08:32 - Final Thoughts: Control and Discipline for Retirement 00:09:04 - Conclusion: Join the Community for More Insights Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://cryptocollective.com.au/coinstash Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] Labor says every change is about fairness. But what happens when you stack them all together? In this new episode, Matthew ranks the biggest policy changes of 2026 and breaks down how they impact taxpayers, investors, SMSF holders, business owners, and everyday Australians trying to build wealth. You’ll learn: ◼️ The biggest tax and wealth changes introduced in 2026 ◼️ Why SMSFs, trusts and property investors are under pressure ◼️ How bracket creep and inflation quietly reduce purchasing power ◼️ The long‑term impact of Division 296 and CGT changes ◼️ Why some Australians are turning to Bitcoin as a hedge against debasement Timestamps: 00:00:00 - Introduction 00:00:44 - Tobacco Excise 00:01:36 - Pillar Two And Thin Capitalisation 00:02:47 - Payday Super 00:03:47 - Stage 3 Tax Cuts Rewrite 00:04:50 - Bracket Creep 00:06:01 - SMSF Restrictions And Super Controls 00:08:09 - Discretionary Trust Tax Changes 00:09:05 - Negative Gearing Changes 00:10:18 - Capital Gains Tax Overhaul 00:11:53 - Division 296 Super Tax 00:14:04 - Inflation And Currency Debasement 00:15:23 - Bitcoin As A Wealth Protection Strategy 00:16:19 - Final Wealth Grab Summary Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] Your super was sold as retirement money, but history shows a 40 year pattern of control. In this new episode, Matthew breaks down how superannuation shifted from your money to a system shaped by political interests and constant rule changes. You’ll learn: ◼️ How compulsory super began ◼️ How taxes and caps tightened ◼️ Why industry funds hold influence ◼️ What the new ATO veto means ◼️ What actions to consider now Timestamps: 00:00:00 - Introduction 00:00:21 - Historical Context: The 40-Year Pattern of Control 00:00:52 - The Origin: Compulsory Superannuation in Australia 00:01:34 - Union Influence: Funding the Labor Machine 00:02:17 - Tax Changes: The First Big Tax Hit on Super Payouts 00:03:12 - Structural Shifts: Tax on Contributions and Fund Earnings 00:03:33 - Preservation Age: Locking Money Until 55 00:03:54 - Simpler Super Reform: Tax-Free Pension Phase for Over 60s 00:04:37 - Contribution Caps: Annual Limits and Government Control 00:05:14 - Concessional Caps: The Tightening of Contribution Limits 00:05:50 - Division 293: Extra Tax for High Income Earners 00:06:01 - SMSF Borrowing Ban: Restrictions on Residential Property 00:06:23 - Division 296: Additional Tax on High Super Balances 00:06:56 - The Direction: Increasing Taxes and Control 00:07:31 - Labor's Crisis Response: More Control Over SMSFs 00:08:03 - Gun Control Analogy: More Power Over Law-Abiding Citizens 00:08:35 - ATO Powers: Blocking Rollovers to SMSFs 00:09:07 - APRA vs. ATO: Regulatory Differences 00:09:40 - Capital Controls: Framing as Protection 00:10:01 - Union-Linked Funds: Strong Labor Connections 00:11:01 - Major Funds: Labor and Union Influence 00:12:09 - New Regulations: Making SMSFs Harder 00:12:41 - Bitcoin Exposure: Using CoinStash for SMSF Crypto 00:13:35 - Wealth Outside Super: Capital Gains Tax Changes 00:14:17 - Negative Gearing: Restrictions on New Purchases 00:14:56 - Family Home: Potential Future Tax Target 00:15:54 - Taking Action: Steps to Protect Your Wealth 00:16:59 - Conclusion: The Need for Immediate Action 00:17:31 - Call to Action: Join the Crypto Collective Community Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] In this episode, Matthew Fraser sits down with Peter Dunworth from The Bitcoin Advisor to unpack what’s really happening to superannuation, whether Bitcoin in an SMSF is still the smartest long‑term play, and why the window to act may be closing fast. You’ll learn: ◼️ Why Labor’s new proposals look like capital controls over retirement savings ◼️ How SMSFs are being targeted through tax changes, borrowing bans, and potential rollover vetoes ◼️ Whether Bitcoin inside super remains the strongest long‑term asset ◼️ Why urgency matters before rules tighten further ◼️ How volatility, entry points, and long‑term compounding work inside an SMSF ◼️ Peter Dunworth’s updated thesis on Bitcoin’s decade‑long outlook Timestamps: 00:00:00 - Introduction 00:01:02 - Labor's Unrealized Capital Gains Tax Proposal 00:01:23 - Capital Controls and ATO Veto on Super Funds 00:02:03 - Purpose of the Superannuation System 00:02:45 - Historical Context of Superannuation in Australia 00:03:18 - Labor Government's Performance on Superannuation 00:03:40 - Mandating Affordable Housing Investments 00:04:44 - Unrealized Capital Gains Tax Impact on Bitcoin 00:05:06 - Division 296 and Tax Inefficiency 00:05:47 - Government Control Over Superannuation 00:06:20 - Potential Mandates on Superannuation Investments 00:07:01 - Advising Clients on Superannuation Contributions 00:07:16 - Anthony Albanese's View on Superannuation as a National Asset 00:07:48 - Government Spending on Green Energy and Defense 00:08:09 - Radical Ideology and National Asset Argument 00:08:52 - Future of Capital Controls and Unrealized Capital Gains Tax 00:09:21 - Unfairness of Changing Superannuation Rules 00:09:32 - Investing in Projects with Economic Returns 00:10:06 - Government's Misunderstanding of Superannuation 00:10:17 - Government's Poor Investment Decisions 00:10:28 - Predictions on Self-Managed Super Funds (SMSFs) 00:11:20 - Challenges in Setting Up SMSFs 00:12:03 - Potential Restrictions on Bitcoin in SMSFs 00:12:59 - Urgency to Act on SMSFs and Bitcoin 00:13:31 - Importance of Immediate Action on SMSFs and Bitcoin 00:14:12 - Bitcoin as an Investment in SMSFs 00:15:05 - Current Bitcoin Market Conditions 00:16:02 - Investment Decisions and Bitcoin's 200-Week Moving Average 00:17:01 - Bitcoin's Performance During Market Crises 00:18:05 - Bitcoin's Sensitivity to Market Liquidity 00:18:37 - Volatility vs. Risk in Bitcoin Investments 00:19:09 - Long-Term Investment Perspective on Bitcoin 00:20:07 - Psychological Barriers to Investing in Bitcoin 00:21:06 - Overcoming Fear and Greed in Bitcoin Investments 00:21:49 - Dollar-Cost Averaging in Bitcoin 00:22:58 - Lowering Average Cost of Bitcoin Investments 00:24:02 - Emotional Impact of Bitcoin's Volatility 00:25:18 - Importance of Community Support in Bitcoin Investments 00:26:13 - Personal Commitment to Bitcoin Investments 00:26:36 - Long-Term Bitcoin Price Prediction 00:27:39 - $10 Million Bitcoin Prediction by 2036 00:28:00 - Institutional Adoption and Regulatory Framework 00:29:07 - Agentic Economy and Bitcoin's Future 00:30:53 - Introduction to the Bitcoin Advisor 00:31:04 - Personal Experience with the Bitcoin Advisor 00:32:18 - Benefits of Multi-Sig Setup for Bitcoin Security 00:33:05 - Origin and Purpose of the Bitcoin Advisor 00:34:00 - Ensuring Bitcoin Security for Clients 00:35:03 - Collaborative Security and Self-Custody 00:36:07 - Success Stories and Client Experiences 00:37:12 - Customizing Bitcoin Security Solutions 00:38:22 - Global Reach of the Bitcoin Advisor Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn Connect with Peter Dunworth: https://thebitcoinadviser.com/peter DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] Bitcoin ripped 25% in a week, and everyone blamed Trump. But this pump wasn’t just political hype. Something major shifted in the bond market, the dollar, and America’s $40T debt. In this episode, Matthew Fraser breaks down what actually drove the move, whether it can hold, and why perfect timing is the trap that wrecks most investors. You’ll learn: ◼️ The real forces behind the pump, bond buybacks, dollar weakness, and ETF inflows ◼️ Why Bitcoin reacts to debt, yields, and currency debasement more than headlines ◼️ The trap investors fall into after every pump, and how SMSF holders should think long‑term Timestamps: 00:00:00 - Introduction 00:00:27 - What Drove The Pump 00:01:53 - Investors Move To Scarce Assets 00:02:00 - Debasement Trade Explained 00:03:43 - Why It Pumped 00:04:19 - Problem Bigger Than Buybacks 00:05:19 - SMSF Bitcoin Thesis 00:06:12 - Bitcoin As SMSF Gold Bar 00:07:37 - Cycle Pattern Explained 00:08:30 - Debasement And Debt Stress 00:09:00 - Trump’s Sign 00:10:11 - Market Reminder Of Bitcoin’s Purpose Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] In this episode, Matthew Fraser gives you the no‑BS playbook for handling flagged crypto transactions, what banks are really looking for, and how to respond without losing control of your money. ◼️ What a flagged crypto transaction actually means ◼️ The three questions banks will always ask you ◼️ How to protect your autonomy without reckless moves Timestamps: 00:00:00 - Introduction 00:00:47 - Playbook For Flagged Crypto Transactions 00:02:01 - What Happens When A Transaction Is Flagged 00:02:07 - Delay Outcome 00:02:17 - Decline Outcome 00:02:29 - Deeper Review Outcome 00:02:50 - Smart Response To Bank Flags 00:03:15 - Importance Of Having Options 00:03:30 - Why Banks Flag Activity 00:03:57 - Real Scams Do Happen 00:04:18 - Self‑Check Questions 00:04:35 - Be Ready To Explain Decisions 00:04:43 - Three Questions Banks Ask 00:05:03 - Source Of Funds 00:05:05 - Destination Of Funds 00:05:13 - Understanding Of Risks 00:05:24 - Documents Banks May Request 00:05:58 - Keep Records And Be Upfront 00:06:12 - Example With CoinStash 00:06:29 - Mistakes To Avoid 00:06:48 - How To Respond To Bank 00:07:13 - Bitcoin Is Legal Asset 00:07:32 - Short And Truthful Response 00:08:14 - Keep It Factual And Simple 00:08:26 - Keep Case Records Clean 00:08:44 - How Long Reviews Can Take 00:09:14 - Clear Answers Speed Resolution 00:09:18 - Blocked Payments And Policies 00:09:30 - Wider Account Restrictions 00:09:45 - Keep Cash For Expenses 00:09:55 - Best Banks For Crypto Question 00:10:25 - Macquarie Bank Example 00:10:37 - Have Multiple Banking Options 00:10:52 - Current Bank Limits And Policies 00:11:08 - NAB Example 00:11:30 - Rules Change Frequently 00:11:45 - No Magic Bank Exists 00:12:08 - System Wants More Approval 00:12:19 - Best Protection Is Organisation 00:12:26 - Frustration With Bank Reviews 00:12:42 - Stay Clear Of Scams 00:12:50 - Real Sovereignty Is Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] In this episode, Matthew breaks down exactly what happens to your SMSF when you move overseas, the three compliance tests you must pass every year, and the practical options for Aussies who want to hold Bitcoin in super while living abroad. You’ll learn: ◼️ The 47% SMSF tax risk for Aussies moving overseas ◼️ The three residency tests every SMSF must pass ◼️ How to keep Bitcoin in super while living abroad Timestamps: 00:00:00 - Introduction 00:00:52 - Three SMSF Compliance Tests 00:02:22 - SMSF Rules When Moving Overseas 00:03:16 - Central Management And Control Test 00:03:37 - Consequences Of Non‑Compliance 00:04:34 - Appointing An Australian Resident Controller 00:05:18 - Using Retail Or Industry Funds Temporarily 00:06:07 - Selling Bitcoin If Moving To Industry Fund 00:07:39 - SMSF Under Labor Government 00:08:45 - Value Of Control For Bitcoin Holders 00:09:19 - High‑Tax Direction Driving Aussies Out 00:09:51 - Super Locked Until Preservation Age 00:10:10 - SMSF Still Useful For Bitcoin Holders 00:10:18 - Labor’s Tax System Risks Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] In this episode, Matthew sits down with Tony from The Bitcoin Way to unpack the recent ColdCard bug that led to drained wallets and renewed debate around self‑custody. They break down what actually happened, why Bitcoin itself remains secure, and how the community is levelling up its security standards. ◼️ what caused the cold card vulnerability ◼️ how independent entropy and passphrases protect your Bitcoin ◼️ why self‑custody is still the only way to win ◼️ how The Bitcoin Way helps users stay sovereign and secure Timestamps: 00:00:00 - Introduction 00:01:06 - Guest Introduction: Tony from the Bitcoin Way 00:01:44 - Understanding the ColdCard Bug 00:02:47 - Self-Custody: Not a Failure 00:05:10 - Community Response and Vulnerability Awareness 00:08:03 - Security Measures for ColdCard Users 00:10:25 - The Role of Education in Bitcoin Security 00:13:05 - Self-Custody vs. Exchange Risks 00:14:20 - Government Regulations and Risks 00:17:21 - Trust in Hardware Wallets 00:19:54 - Using Dice Rolls for Entropy 00:22:18 - Importance of Passphrases 00:24:20 - Investing in Education for Security 00:30:08 - Practicing Bitcoin Transactions 00:30:34 - Steps to Mitigate Future Risks 00:32:14 - Single-SIG vs. Multi-SIG Wallets 00:35:27 - Conclusion and Future of Self-Custody Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn Follow The Bitcoin Way: https://www.instagram.com/thebitcoinway_/ https://www.thebitcoinway.com/team-members/tony Book a consultation: https://www.thebitcoinway.com/contact DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] In this new episode, Matthew breaks down why Labor has hired nearly 1,500 new ATO staff at the exact same moment crypto surveillance, OECD reporting and pre‑filled exchange data are rolling out. He exposes how this expansion fits into a high‑tax, high‑monitoring agenda and the structural moves Australians are already making to protect their capital. ◼️ why the ATO is expanding its crypto enforcement team ◼️ how new reporting rules remove privacy for Australian crypto holders ◼️ the structural steps people are taking to reduce their ATO footprint Timestamps: 00:00:00 - Introduction 00:00:37 - What The ATO Expansion Really Means 00:01:15 - CAF Reporting And Data Matching 00:02:10 - Investor Crackdown And Market Cooling 00:02:48 - Tax Surveillance Enforcement Loop 00:03:37 - Offshore Entities And Non‑Reporting Trades 00:04:17 - Why The ATO Wants The Gap Closed 00:05:01 - Climate Spending And COP Costs 00:05:38 - NDIS Leakage And Fraud 00:06:14 - Big Build Blowouts And CFMEU Costs 00:07:05 - Foreign Aid And High Taxes 00:07:37 - Everyday Aussies Treated As The Problem 00:08:32 - You Cannot Beat The ATO As A Tax Resident 00:09:14 - UAE, Bali, Thailand Residency Moves 00:09:55 - Researching Countries And Residency Paths 00:10:24 - Citizenship And Passport Options 00:10:57 - Becoming A Non‑Tax Resident 00:11:26 - Labor Hiring More Officers And Expanding Powers Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] In this new episode, Matthew breaks down how CBUS, chaired by former Labor Treasurer Wayne Swan, is pushing to restrict Australians from starting their own SMSFs. He exposes the political conflict of interest, the union ties behind CBUS, and what this means for anyone wanting control of their super. ◼️ why CBUS wants to limit SMSF pathways ◼️ how union and Labor links shape the fund’s agenda ◼️ what Aussies should consider before staying in or leaving CBUS Timestamps: 00:00:00 - Introduction 00:01:01 - What Cbus Actually Is 00:01:37 - Who Wayne Swan Is 00:02:21 - Swan’s Salary And Position 00:03:39 - Cbus And CFMEU Influence 00:04:20 - CFMEU Inquiry And Culture Issues 00:05:01 - Why Remaining In Cbus Is Incoherent 00:06:24 - Union Donations And Labor Funding 00:07:03 - What Happens If Cbus Funds Decline 00:08:12 - Cbus Fee Structure Breakdown 00:09:31 - Cbus Returns Compared To Bitcoin 00:10:51 - Side‑By‑Side Numbers Example 00:11:44 - Why Bitcoin Outperformed Industry Funds 00:11:59 - Cbus CEO Calling For SMSF Restrictions 00:12:32 - Labor‑Greens SMSF Borrowing Ban 00:12:42 - Albanese Treating Super As National Asset 00:13:04 - Why Swan Supports These Measures 00:13:17 - Why Cbus Returns Still Lose In Real Terms 00:13:41 - Why SMSF Gives Actual Control 00:14:35 - SMSF Responsibility And Sovereignty 00:14:51 - Final Breakdown Of Cbus Issues 00:15:28 - Why Industry Fights To Keep Your Money Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] Bitcoin Northern Beaches: https://www.bitcoinnorthernbeaches.com After the ColdCard hack drained more than $150 million in Bitcoin, Matthew sits down with Andrew & Bayani, two of Australia’s leading Bitcoin security experts to break down what really happened, who’s at risk, and what Aussies must do now to protect their stacks. This episode covers the vulnerability, the scale of the breach, and the practical custody steps every Bitcoiner should be considering. ◼️ How the ColdCard PIN flaw exposed thousands of wallets ◼️ Why randomness and entropy matter for Bitcoin security ◼️ The real risk to single‑sig holders and why passphrases bought time ◼️ Multi‑sig, guided custody, and how Bitcoin Advisor structures protection ◼️ What Matthew changed after the hack, and why ◼️ How Aussies should secure SMSF Bitcoin, personal stacks, and family vaults Timestamps: 00:00:00 - Introduction 00:00:31 - Guest Introduction: Andrew and Bayani 00:00:53 - Details of the Coldcard Hack 00:01:45 - Personal Impact and Initial Reactions 00:02:50 - Technical Explanation of the Vulnerability 00:03:28 - Trust and Security in Bitcoin Devices 00:04:56 - Emotional and Psychological Impact on Users 00:05:32 - Multi-Signature and Custody Solutions 00:07:43 - Community Reactions and Custody Arrangements 00:08:09 - Diversifying Bitcoin Security 00:10:30 - Self-Custody vs. Exchange Storage 00:11:43 - Single-Signature vs. Multi-Signature Explained 00:13:29 - Practical Examples of Multi-Signature Setups 00:15:43 - The Bitcoin Advisor's Multi-Signature Service 00:18:00 - Ideal Clients for Bitcoin Advisor 00:19:44 - CoinStash SMSF Crypto Exchange 00:20:15 - Host's Personal Security Adjustments 00:24:02 - Importance of Security Services 00:26:01 - Individual Responsibility in Bitcoin Security 00:27:57 - Host's Change in Security Stance 00:29:02 - Learning from Security Mistakes 00:32:28 - Value of Education and Mentorship 00:34:37 - Importance of Bitcoin Meetups 00:37:01 - Advice for Current Coldcard Users 00:39:10 - Future of Self-Custody in Bitcoin 00:40:10 - How to Reach Out to Bitcoin Advisor Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn Follow Bayani Mills: https://www.linkedin.com/in/bayanimills/ https://www.instagram.com/bayanimills/ Follow Andrew Finnie: https://x.com/BeachesHODL https://www.meetup.com/bitcoin_sydney/ DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling ): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Sponsorships/Collabs: [email protected] In this new episode, Matthew breaks down how Labor’s latest tax agenda and leaked conference proposals are a deliberate attack on private wealth. He exposes the reality behind the new CGT rules, the SMSF borrowing ban, and the socialist redistribution tactics disguised as fairness, revealing why Bitcoin is the ultimate store of value to protect your capital. ◼️ How the new CGT rules and SMSF borrowing bans punish Australians building private wealth ◼️ The reality behind Labor’s leaked conference proposals and their socialist redistribution agenda ◼️ Why Bitcoin is the ultimate resistance against government control and legalized theft Timestamps: 00:00:00 - Introduction 00:00:18 - Leaked Proposals and New Taxes 00:00:51 - Labor’s Socialist Redistribution Agenda 00:01:51 - The 2026 Budget and CGT Changes 00:02:34 - The Ban on SMSF Borrowing 00:03:25 - The Collapse of the Housing Market 00:04:39 - The Hypocrisy of Politicians 00:05:38 - Inside the 50th ALP National Conference 00:07:56 - The Hidden Policies You Should Fear 00:09:00 - Coin Stash Sponsorship 00:09:28 - Why Bitcoin is the Ultimate Store of Value 00:10:44 - How to Protect Your Capital and Options 00:11:44 - Assets Are Only as Safe as the System 00:12:29 - Final Call to Action Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn DISCLAIMER This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] In this new episode, Matthew exposes how Labor’s latest tax agenda targets Bitcoin holders and reveals the network behind it, the Fabian Society, shaping policy for decades. He breaks down how these measures punish wealth builders and why Bitcoin stands as the ideological opposite of their system. ◼️ How Division 296 and unrealised CGT punish Australians building wealth outside the system ◼️ The Fabian Society’s influence on Labor’s long‑term socialist agenda ◼️ Why Bitcoin is the resistance against government‑controlled wealth and dependency Timestamps: 00:00:00 - Introduction 00:00:31 - Who’s Pulling The Strings 00:00:46 - Labor And Greens’ Wealth Extraction Agenda 00:01:15 - 2026 Budget And New Tax Tiers 00:01:57 - Impact On SMSFs And Savers 00:02:39 - Unrealised Capital Gains Push 00:03:11 - Expert Criticism And Double Taxation Risks 00:03:24 - Coordinated Policy Moves With The Greens 00:03:59 - Negative Gearing And Trust Tax Changes 00:04:17 - Greens’ Redistribution Platform 00:04:43 - Small Business Pressure And Rising Debt 00:05:10 - Tax Burden On Average Australians 00:05:36 - PM Pay And Superannuation Comparison 00:06:20 - How The System Rewards Elites 00:06:41 - Why They’re Doing This 00:06:49 - Introduction To The Fabian Society 00:07:13 - Fabian Strategy And Gradualism 00:07:28 - Fabian Influence On Labor Leadership 00:08:03 - Fabian Policy Themes And Ideology 00:08:37 - Narrative Control And Identity Shifts 00:09:09 - Opposition To Personal Wealth Building 00:09:34 - Why Bitcoiners Oppose Labor And Greens 00:09:59 - Policies Targeting Hard Money Holders 00:10:20 - Bitcoin As Sovereign Resistance 00:10:29 - Stack Sats And Use SMSFs While Possible 00:10:43 - The Long-Term Holder’s Paradox 00:11:06 - Borrowing Against Bitcoin With Leaden 00:11:23 - Returning To The Wealth Grab Impact 00:11:28 - Potential Inheritance Tax And Estate Seizure 00:12:07 - How Wealth Could Be Redirected 00:12:37 - Greens’ Radical Expansion Agenda 00:13:25 - New York As A Case Study In Socialist Policy 00:13:54 - Capital Flight And Economic Decline 00:14:19 - Australians Already Leaving 00:14:27 - Fabian Creep And National Impact 00:14:41 - Final Call To The Audience 00:14:47 - Crypto Collective Invitation __________ Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn __________ **DISCLAIMER** This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] In this new episode, Matthew breaks down the legal loophole that lets Australians use Bitcoin as a home deposit without selling it and without triggering capital gains tax. He explains how Bitcoin‑backed loans work, why they’re becoming mainstream, and the exact numbers behind using collateral instead of selling your stack. ◼️ How Bitcoin‑backed loans let you secure a deposit without triggering CGT ◼️ Why selling Bitcoin destroys long‑term upside compared to borrowing against it ◼️ How US lenders like Fannie Mae are already backing Bitcoin‑collateral mortgages Timestamps: 00:00:00 - Introduction 00:00:38 - The Reality Of Australia’s Housing And Tax Environment 00:01:05 - Why Saving And Shares Are Failing Under Current Policy 00:01:37 - Why Bitcoin Is The Hardest Money 00:02:24 - Home Price And Deposit Breakdown 00:03:01 - Borrowing Limits And Bitcoin Loan Structure 00:03:35 - Interest Rates And Long-Term Growth Comparison 00:04:02 - The Cost Of Selling Bitcoin For A Deposit 00:05:03 - Borrowing Against Bitcoin Instead Of Selling 00:05:23 - Loan Requirements And No-Check Lending 00:06:03 - Bitcoin Growth Projection Over 20 Years 00:06:44 - Rolling Over Bitcoin Loans 00:07:04 - Long-Term Growth Loss If You Sell Bitcoin 00:08:00 - Borrowing With Smaller Bitcoin Holdings 00:08:51 - The Long-Term Holder’s Paradox 00:09:15 - How Leaden Solves The Sell-Vs-Borrow Problem 00:09:33 - Join The Crypto Collective For Full Demonstrations 00:10:08 - US Adoption Of Bitcoin-Backed Mortgages 00:10:26 - First Bitcoin-Backed $4M Mortgage Settlement 00:10:48 - Why Australian Banks Will Eventually Follow 00:10:52 - Billions In Bitcoin Locked As Collateral 00:11:05 - US Fixed Mortgage Rates And Their Advantage 00:11:44 - Threat Of Unrealised CGT And Family Home Tax __________ Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn __________ **DISCLAIMER** This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.

Build sovereign wealth, join Australia’s Fastest Growing FREE crypto community 👉 https://www.skool.com/matthewfraser 🔗 TAKE ACTION: Borrow against Bitcoin (no selling): https://learn.ledn.io/collective Australia's #1 Crypto Exchange: https://coinstash.com.au/auth/signup?a=cryptocollective Secure your Bitcoin: https://bit.ly/TheBitcoinWay-Schedule-a-Call Sponsorships/Collabs: [email protected] As of 1 July 2026, the EU banned anonymous crypto accounts and delisted privacy coins, while Australia activated the travel rule on the same day. In this episode, Matthew explains what these coordinated moves mean for Bitcoin users, how MICA and the travel rule reshape crypto privacy, and why self‑custody and jurisdiction‑aware strategies now matter more than ever. Always confirm political and regulatory information with trusted sources. What you’ll learn ◼️ How the EU’s MICA rules dismantle anonymous crypto use ◼️ Why privacy coins are being delisted across Europe ◼️ What Australia’s travel rule means for every crypto transfer ◼️ How CARF enables global tax‑authority data sharing ◼️ Why self‑custody and jurisdiction planning matter more than ever Timestamps: 00:00:00 - Introduction 00:01:02 – MICA Goes Live Across 30 EU Countries 00:01:23 – 80% of EU Crypto Firms Unlicensed 00:01:40 – Binance Forced Out of Multiple EU Countries 00:02:03 – Who Is Ursula von der Leyen? 00:02:32 – Albanese’s Political Background 00:03:01 – What MICA and the Travel Rule Mean 00:03:33 – MICA’s Stated Purpose vs Reality 00:04:21 – Anonymous Accounts Banned; Privacy Coins Delisted 00:05:04 – EU Can Freeze Access to Non‑Compliant Exchanges 00:05:19 – Australia Mirrors EU Regulations 00:05:29 – Travel Rule Explained 00:06:07 – Self‑Hosted Wallet Scrutiny 00:06:17 – French Legal Challenge 00:06:44 – Risks of Leaked Personal Data 00:07:03 – CARF Global Reporting Framework 00:07:37 – Combined Surveillance: Travel Rule + CARF 00:08:17 – March 2026 EU–Australia Security Partnership 00:08:47 – Information‑Sharing Focus 00:09:10 – Hybrid Threats and Disinformation Narrative 00:09:37 – Central Bank Critique 00:09:45 – Timing of Regulatory Rollout 00:10:11 – Albanese’s Governance Style 00:10:45 – Germany Proposes Ending Tax‑Free Bitcoin 00:11:20 – EU Trend: More Tax + More Regulation 00:11:41 – Capital Moves to Switzerland and Portugal 00:11:43 – Australia Risks Becoming Unlivable 00:12:13 – 2026 Budget: More Tax, No Cuts 00:12:24 – Bitcoin and Self‑Custody as Sovereignty 00:12:40 – Urgency to Move Bitcoin Off Exchanges 00:12:53 – Global Surveillance Net Forming 00:13:02 – Practical Steps: Self‑Custody, Non‑KYC, Jurisdiction 00:14:08 – Non‑KYC Bitcoin Explained 00:14:27 – Plan B Passports and Asset Protection __________ Avoid fakes- Follow the ‘real’ Matthew Fraser: https://www.instagram.com/immatthewfraser/ https://www.tiktok.com/@immatthewfraser https://www.facebook.com/immatthewfraser/ https://x.com/MatthewFraser https://bit.ly/MatthewFraserLinkedIn __________ **DISCLAIMER** This is not financial, investment, tax, or legal advice. I'm not a licensed advisor. Bitcoin and SMSF strategies can carry significant risks; consult a qualified tax accountant and SMSF specialist before making any decisions. I may earn affiliate commissions from links I share, but this doesn't affect your cost.