“The biggest single point of failure with money is a sole reliance on a paycheck to fund short-term spending needs, with no savings to create a gap between what you think your expenses are and what they might be in the future.”
Fannie Mae is officially accepting crypto backed mortgages for the first time. Bitcoin holders can now pledge their holdings as a reserve asset instead of selling to qualify for a home loan. The catch is your BTC has to be on a U.S. regulated exchange like Coinbase, so cold storage does not count, and you will still need cash for the actual down payment. This is a major step toward Bitcoin being treated like any other legitimate financial asset in the housing market.
Germany 🇩🇪 taxes Bitcoin as a private asset, meaning any gains from BTC held over 12 months are completely tax free no matter how large the profit. Sell before that one year mark and you’re looking at up to 45% income tax on those gains.