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Bitcoin in Your 401(k)? Using Crypto to Bridge the Retirement Savings Gap
Waiting for the government to step in or waiting for a windfall, won’t save you
Tom Handy3 min read·Just now--
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As a retired Army officer and investor for nearly three decades, I’ve seen enough to know that the most dangerous position you can be in is waiting. Waiting for the right time, waiting for the government to step in, or waiting for a windfall.
If you are busy, you might think you don’t have time to invest. The reality is, you don’t have the time not to.
The Reality Check
We need to be blunt. Social Security is a safety net made of thin twine, not a solid floor. By the end of 2025, the average monthly benefit was only about $2,071. Try paying for a modern mortgage, groceries, and rising utilities on that. It doesn’t work.
Then there is the cost of staying alive. Even with insurance, healthcare is a massive drain. Employers are projecting a 10% increase in healthcare costs for 2026 alone. One unexpected hospital stay can wipe out years of playing it safe in a low-interest savings account or CDs.
