比特币安全和稀缺适合每个人

欢迎回到金钱上。我是凯文·库克（Kevin Cook），您的现场指南和讲故事的行为经济学领域。

Kevin Cook, author of the new book Family Office: Complete Guide to Setting Up a Family Office and Legacy Planning, interview Trey Sellers, Vice President of Sales at Unchained, on securing bitcoin for optimal inheritance planning, loans, and legacy solutions.

凯文·库克（Kevin Cook），新书家庭办公室的作者：建立家庭办公室和旧版计划的完整指南，采访Trey Sellers，Unchained销售副总裁，以确保比特币以进行最佳继承计划，贷款和遗产解决方案。

Listen to the interview in full on the Mind Over Money podcast.

在金钱播客上全心全意地收听采访。

Kevin Cook: Welcome back to Mind Over Money. I'm Kevin Cook, your field guide and storyteller for the fascinating arena of Behavioral Economics.

凯文·库克（Kevin Cook）：欢迎回到金钱上。我是凯文·库克（Kevin Cook），您的现场指南和讲故事的行为经济学领域。

In this episode, I sat down with a Wall Street veteran who now spends his days helping high-net-worth individuals, families, and business owners to secure their Bitcoin for optimal inheritance planning, loans, and legacy solutions.

在这一集中，我与一位华尔街的老兵坐下来，他现在花了很多时间帮助高净值的个人，家庭和企业主来确保其比特币，以提供最佳的继承计划，贷款和遗产解决方案。

Trey Sellers has worked for Deloitte, Goldman Sachs, and MetLife where he specialized in technology consulting and back-office systems. At the investment bank Truist, he worked on the capital markets trading floor running risk analysis and P&L models for multi-asset institutional portfolios.

Trey Sellers曾在Deloitte，Goldman Sachs和Metlife工作，他专门从事技术咨询和后台系统。在投资银行TRUIST，他在资本市场交易楼层运行风险分析和损益模型上为多资产机构投资组合工作。

Trey is now a Vice President of Sales for Unchained. Unchained offers a suite of financial and custody services designed to, in their words, “protect your bitcoin with cold storage -- that you control.” Clients also get access to other services including trading, inheritance planning, loans, and Bitcoin IRAs. Unchained helps thousands of individuals and businesses by securing nearly $10 billion worth of Bitcoin.

Trey现在是Unchained销售副总裁。 Unchained提供了一套财务和监护服务，用他们的话来说，“您可以控制您的比特币”。客户还可以访问其他服务，包括交易，继承计划，贷款和比特币IRA。 Unchained通过获得价值近100亿美元的比特币来帮助数千个个人和企业。

If you don't consider yourself HNW, don't worry 'cause I'm not either. Recall that Forbes, in their original definition of “rich” for the “400” list, used to define it as “$10 million net worth and $1 million in annual income.” Now I think everyone on the list is a billionaire.

如果您不考虑自己的HNW，请不要担心，因为我也不是。回想一下，《福布斯》在其“ 400”列表的“富富富富列”中的最初定义中，用来将其定义为“ 1000万美元的净资产和100万美元的年收入”。现在，我认为名单上的每个人都是亿万富翁。

In the conversation with Trey, you are still going to learn a lot about the Bitcoin investment frontier that will apply to you as you build your own family legacy and inheritance plans. You should take away key questions that you can ask your financial advisors about Bitcoin and your own “family office.”

在与Trey的对话中，您仍将了解很多有关比特币投资前沿的知识，该比特币投资边境将适用于您建立自己的家庭遗产和继承计划。您应该取出关键问题，您可以向财务顾问询问比特币和您自己的“家庭办公室”。

Trey helps us navigate terminology like “on-chain,” self-custody, and cold storage. And he lays out the importance of knowing how you own and secure your Bitcoin, whether you bought some in a Coinbase (COIN) or Robinhood (HOOD) account, or you’re using a hardware wallet and private keys.

Trey可以帮助我们浏览术语，例如“链”，自我顾客和冷藏。而且，他列出了知道自己如何拥有和确保比特币的重要性，无论您是在Coinbase（Coin）还是Robinhood（Hood）帐户中购买的，还是使用硬件钱包和私钥。

There were three highlights in my conversation with Trey that I want to preview. First, was how he seized the moment at Truist to teach the staff at all levels about what he thought was coming with Bitcoin after the “halving” in 2020. He built a slide deck he titled “Bitcoin for Bankers” which made its way throughout the organization and made him an authority as interest grew during the rally to $69,000 in 2021.

我与Trey的对话中有三个亮点，我想预览。首先，他是如何抓住Truist的那一刻，以各个层次向员工讲述他在2020年“减半”之后与比特币的想法。他建造了一个幻灯片甲板，他的标题为“银行家比特币”，这使他成为整个组织的权威，并在2021年在拉力赛期间提高了兴趣，并在2021年的拉力赛期间增长到69,000美元。

Second, as he was explaining the services of Unchained and how they openly work with your financial advisors -- legal, tax, planning, estate -- to create sound structures and procedures, he said it’s like building your own “personal Fort Knox.”

其次，当他解释了不链接的服务以及他们如何与您的财务顾问（法律，税收，规划，房地产）公开合作以创建合理的结构和程序时，他说这就像建立您自己的“个人诺克斯”。

The third highlight with Trey is how he has adapted the FIRE concept of "Financial Independence, Retire Early" to the ultimate freedom asset.

特雷（Trey）的第三个亮点是他如何改编“财务独立性，提前退休”的火灾概念，以获得最终的自由资产。

You can jump right into the podcast linked above and hear Trey's story in his own words, but be sure to come back to this article as I have some goodies for you.

您可以直接跳入上面链接的播客，并用他自己的话语听到Trey的故事，但是请务必回到本文，因为我为您提供了一些好东西。

Since I've been in financial markets for three decades, I tend to notice a big divide between the “youngsters” who grew up with Bitcoin just like smartphones, and the traditional finance or “tradfi” folks (like me) who studied the new asset class for years and one day finally realized the true power of Bitcoin (btw, I still capitalize the B just like the Internet as a unique technology protocol).

自从我在金融市场上呆了三十年以来，我倾向于注意到像智能手机一样长大的“年轻人”与传统的财务或“ tradfi”人（像我一样）之间的差异很大，这些人多年来一直在研究新的资产班，一天又有一天的一天，我仍然意识到比特币的真实力量（我仍然像BTW一样，都像Internet一样，将BTW的资本化为Intiment Internelt in Internity Tecormess as a Internel Interne Technology）。

The first group tends to be tech-savvy and skeptical about old institutions, while my group can be full of late-adopters who understand the fiat monetary system that got us to the day where we said "Wow, this digital gold is really an entirely new and compelling asset class that can compete with barbarous gold and money printing!"

第一组倾向于对旧机构进行技术精通和持怀疑态度，而我的小组可以充满晚期管理员，他们了解菲亚特货币体系，这些菲亚特货币体系使我们到了那一天，我们说“哇，这种数字黄金确实是一个全新且引人注目的资产类别，可以与野蛮的黄金和货币打印！”

Trey Sellers is a bridge in the middle of these two broad groups. You can follow him on X @ts_hodl for excellent education and wry wit to understand why.

Trey Sellers是这两个广泛团体中间的桥梁。您可以在X @TS_HODL上关注他，以获得出色的教育，并智慧了解原因。

Even Michael Saylor, the current champion of "hodling" (buying, “holding on for dear life” and never selling) didn't “get Bitcoin” until 2020.

甚至迈克尔·塞勒（Michael Saylor）是现任“霍德林”（Hodling）的拥护者（购买，“为亲爱的生活”而从未出售），直到2020年才“得到比特币”。

My story of "getting Bitcoin" is summarized in this 9-minute video...

这个9分钟的视频总结了我的“ Get Bitcoin”的故事...

To symbolize the “speed of light” power of Bitcoin as a digital asset, I tried to make the message only 8.33 minutes long, the time it takes the Sun's light to reach Earth.

为了象征比特币作为数字资产的“光速”功率，我试图使消息仅8.33分钟，这是太阳光到达地球的时间。

I wish I could say I borrowed the “Bitcoin for [insert professional audience]…” idea from Trey because that means I might be further along on my Bitcoin accumulation journey by now!

我希望我可以说我借了Trey的“插入专业观众的比特币”……因为这意味着我现在可能会进一步发展我的比特币积累旅程！