Bitcoin Forum

I recently read an old article which was published on June 22, 2022, even though the news might be a little outdated, but I feel that this article can be a reference for those of us who have difficulty getting or paying tuition fees.
Although he market is currently in a state of crash and this makes many investors suffer losses, but on the other hand according to a survey conducted in America, many correspondents have actually succeeded in educating their children by investing in crypto, according to a survey conducted by online media Intelligent.com, as many as 1,250 correspondents have been tested and the results are almost 87% choose to invest in crypto as a means to save tuition fees.
Most of these strategies can yield sweet results in the midst of the crypto market crash as it is today,like seen in some of the graphs below:

https://i.ibb.co/7CXsYXj/indeks.jpg

https://i.ibb.co/GT5y7xf/indeks-currencies.jpg

https://i.ibb.co/7bvVTmC/time-investing.jpg

https://i.ibb.co/RbsWr5T/IMG-20220726-074318.jpg

https://i.ibb.co/KxCb2fw/IMG-20220726-074255.jpg

Source :
https://www.intelligent.com/ (https://www.intelligent.com/87-of-parents-saving-for-college-have-invested-in-crypto/)

This is all right if your child is still a young kid and you are saving money for his college or university tuition. That means you still have a lot of time to wait for the price of Bitcoin to multiply.

This would be better than saving in fiat because fiat is losing value year after year. Even if you save fiat in the banks that offer the best interest, it still can't make up for what your money regularly losses to inflation.

But this might not be the best option if your child is already in high school and you are investing in Bitcoin the money that he is supposed to use in college or university. You might get trapped in a bear market when the time comes that you already need the money. You might be forced to sell with a loss.

Investing in cryptocurrencies for tuition fees might seem like a good idea but it is not really the case for short term investments. But if you invest in say, Bitcoin today and your child goes to school 3 years later, you would probably be in the green. Or in Bitcoins case, in the orange.  ::) :P

Personally, I would not risk any money which I need in the near future, no matter how good the outcome might seem. Do not think about investing with money that you need for something else. Especially something important like sending your children to school.

I feel like some parents would hold their child off from going to school until their investment shows profits. But by that time the child could already have finished a year or two of school....  :o

Yeah, but if you are responsible you will have always emergency funds just in case.
People who do this must think that they can't guarantee 100% that their investment for cryptocurrencies that will be used in the future is safe, no one knows where are we going, pure speculation.
So, they must accept the risk of investing.

Definitely crypto investing is for long term, and it could be good as well for future education of our children. Nevertheless, as you have said, don't put everything in one basket.

It's good to have bitcoin investment, but at least you have plan B or even plan C if everything doesn't work well, just like what we are having right now, a bear market.  So for sure not the right time to withdraw if your child is going to school this year. At least have some reserved fund and then step aside money for our crypto investment.

It's great that you have long-term plans for the future, but you have to make sure you have a backup fund and don't need to use this money if you have a small problem in your life to deal with.

Second, make sure that your child's education won't be interrupted if your investments fall into bear season causing losses. Investing in crypto is a risky investment, although well-intentioned, it is not advisable to invest with money that cannot be lost, affecting life. Therefore, it is advisable to invest only with idle money.

But still can't guarantee with your bitcoin saving keep the same values at the future when your kids growing up and have been on university, depending how strategy and great moment when investing with bitcoin or try holding on altcoin. I know better saving money with cryptocurrency than saving on the bank because have inflation values actually with how long keep saving more than 12 years based on my country study, from elementary school, junior and senior high school take 12 years. I think most drastically values drop when saving money on the bank, but if entry on correct time with bitcoin or altcoin have chance could growing up your money investment.

I prefer keep investing in cryptocurrency than the bank, but keep DWYOR

I'm bullish on bitcoin, but damn imagine betting your child's tuition fees on bitcoin. Like, what if we get a bear market that ended up a lot longer than usual?

As always, increasing income streams is far more important than investing in bitcoin, imo.

Been doing this for years already. Saving some Bitcoin for the tuition fee of my children and I can say that it's quite early for me because I'm already saving even though I still don't have any child yet :D.

Investing in crypto for tuition fees sure has pros and cons but it will solely depend on how long will you hold your cryptos and do you have some cash if emergency comes because if you don't have emergency funds, there might be a chance that you might get your crypto holdings for emergency funds. As for me, luckily I have some emergency funds in case an accident happen and at least I have some crypto holdings for future events like if my child will go to school etc. I'm not afraid at all with these bear markets because I'm holding some Bitcoins for a very long term (maybe around 7 years at least).

I know the risks of it that's why I always have a backup plan if things will not go my way and I'm making sure that I always have cash flow so I can still invest :).

As a financial advisor I’m not likely to recommend to anyone that they should be investing their money for things that are very important (such as money for their education/tuition) in anything that is as volatile as bitcoin and other cryptocurrencies are.  Why put your money at such risk for something as pivotal as education?

This is a great idea, IMO. If you believe in something like cryptocurrencies, you can risk a lot, but it could give back to you if you have made the right decision. We wouldn't know what could happen in the future, but it could pay off more than your child's tuition or something. But it could pay for nothing as well. That's just the risk.

Anyone free to invest in crypto doesn't necessarily have to invest in cryptocurrency for tuition fees at all. If anyone asks me if he wants to invest in crypto just for tuition fees then I won't allow him to do so. It's because he won't afford a loss in case of a bear market if he can't hold for a long time. For example, those bought in ATH regret it now. If they were invested in tuition fees then it would be the worst situation for them.

Although it's a really good approach but we all are familiar with the market volatility that could adversely affect your savings at that time so what about then? It's good to see that bitcoin is priority for many of parents but if you have choosen any wrong coin then all your life savings could end up being zero and that's the reality of this crypto market so we need to be sure about them.

We all have to cater to the children's need and investing the amounts at early age will reduce the financial burden in future but go with btc is good and guaranteed option to some extent if we compare it with any of the coins in the market so that you have some good amount after 3-4 years and DCA is cool if you ask me.

Wouldn't really risk money that was to be used for tuition, would rather slowly build that up as a guarantee and use probably the rest that I could earn as the investment itself. It's rather risky, especially if we consider how crypto is a REALLY volatile market. I do agree with teaching the children about investments, not even just in crypto but in general. It's a great idea for people to learn about finance and investments and stuff maybe when they're in high school or of a similar age level or something.

If I were to invest the tuition money to something else, I'd go for something like gold instead.

Depending on crypto investment solely for my children's future education isn't the best idea for me but I do however believe that if it was a long-term Investment, way before the children go to college and these are free funds without needs which should be the case with Crypto investment, then I would do that but will not depend solely on this for my children's education as we know that crypto market can not be really predicted.

When I saw tether and dogecoin in the list of cryptocurrencies in which the people are investing I stopped reading.
People are "investing" in tether and dogecoin? This can't be serious.
We already know, that a big demographic of young people are interested in Bitcoin/crypto and those people will teach their kids about crypto for sure. The number of crypto enthusiasts will be growing in the next decades, despite the hostile behavior of the governments and central banks towards cryptocurrencies. However, a lot of people are getting hooked by shitcoins, NFTs, scam crypto projects and memecoins like dogecoin.
This shows financial ignorance and lack of proper risk evaluation.Investing in crypto for tuition fees seems like a really dumb idea and I don't think that the majority of crypto investors will do such dumb thing..

Investing in crypto or anything else for educational expenses is highly recommended because we are preparing for those tuition fees for several years later.
We must choose the right asset to invest so that it can provide great profits after a few years.
If crypto is our choice, we should be very selective in choosing the coins and not just listen to other people's advice because it is our investment.
At least we can invest in bitcoin because we already know that bitcoin will provide great returns for long-term investments.
But if we want to choose other coins, we have to analyze them and find the right coin.

The average investor (and that is the majority), does not know the difference between Bitcoin and any other altcoin, and as we can see from the research, they think that an investment in stablecoins is an investment at all. I would say that people are gambling with their money without even understanding the rules of the game, which will eventually lead to the fact that most of them will lose everything they have invested in - either altcoins will fail or the CEX where they store their coins will get hacked or perform an exit scam.


If there is any truth to Bitcoin being used by about 5% of the world's population, then we are far from any mass adaptation on any level. People will always look for an easy way to make $200 from $100, and cryptocurrencies are currently something that promises in this regard.

There are folks who start putting cash away for their kids for college as soon as they are born. It has been shown time and again that one of the best ways to make massive gains from bitcoin is when you hodl for the long term. And in the case of investing for tuition fee there's no other solid strategy than the dollar-cost averaging (DCA) strategy.

On the other hand, considering how unpredictable the future is, a plan B may be to invest in some real estate. I like the real estate industry because of how profitable it is in the long run. The summary of it all is to start on time with whatever plan you have in mind for your kid's future.

I believe that investing in Bitcoin (never in "crypto") for your children's education should only be done with at least a medium time horizon. Someone doing it today has to have a time horizon of at least 4 years. If it is for next year, better to save in cash. With the stock market the same, the longer the time horizon with an index fund, the better.

It's a valid option if you have the money to spare. There was a similar situation was reported when the GameStop short happened and ordinary people bought and sold their stocks and with that many repaid their student loans, and healthcare bills and were able to send their kids to better schools. But it's a risk. I mean so is going to school, so it's about picking the most optimal risk.

I also think so, because so far we spend too much money on things that are not important and I think sometimes it's better for us especially I personally set aside at  20% of the my income to save in form bitcoin, the price of bitcoin in the market that right now it's cheap, of course it gives benefits when we save it for a long time and when children start to enter higher education, of course we won't be bothered to look for fees, after I read the article, I took the initiative to save bitcoin for 20% of every salary I get from my job later, another term as education insurance for my children later.

The price of bitcoin is uncertainty, to be honest I haven't thought about planning an investment like bitcoin for anything that is a future need. Unless you consider education to be an optional need that can be postponed or replaced, you can opt for this plan. But like some of the suggestions before me, there are several investment options that are more guaranteed than bitcoin.

I sincerely wish to pursue higher education and I am investing in bitcoin for the same reason, that in future these investments will help in funding my own education. Atleast a part of it. Though bitcoin has taken a dip, but I still am investing systematically as this will help me a lot in future.

Bitcoin taking a dip should not demoralise you as you implied in your post, it should be a motivation to keep investing in bitcoin. Unless you already had some bitcoin that crashed and if that is the case, I believe you know that you must hodl.

For Op, investment in crypto for children tuition is good one ones children are infants or not yet born because it could yield much profits and the coin should be bitcoin for longevity.

I think it depends on the individual and their ability to monitor the market correctly enough to take advantage of it otherwise it can result in a huge reduction in the intended tuition fees when the market is on a downtrend. If the person is able to buy and sell before the market is down it will be of great benefit but sometimes it is not easy to time the market especially when you don't understand it properly, in my opinion, I think funds meant for tuition fees, that will be needed in a short while should not be used for BTC investment.

I tend to think that these sort of studies are usually very narrow and could potentially be targeting a small group that is maybe not very representative. For example, if the poll is mainly advertised for respondents on a small business forum then it might attract responses from people who are already wealthy and have some slack to re-allocate money outside of conventional investment solutions. There may also be a degree of dishonesty involved, even if it is self deception, or it might be old data that does not take account of the fall from all time highs which might have converted most of those gains into negative equity. Unless people sold out of their holdings at opportune times or made small amounts from big inputs, then it's hard to believe people have made big amounts unless they kept money in for several years.

When you do accumulate bitcoin then this doesnt only talk on making yourself be prepared on your tuition fees but also in other things in life as well when it comes to finances but of course it wont really be an assurance

since we know that cryptocurrency investments wont really be that giving positive outcome guaranteed but at least it does have high potential as we do all know but you should really make yourself prepared on

other things when you are just simply waiting for the price to increase because it doesnt happen all the time and when you are in need of your finances immediately then you cant really snip out
from it so better find other alternatives as well which would give out constant support into your studies.

 :o

never make plans for something that you are not sure you can have, in which case I am talking particularly about making plans to raise money to pay for school for your future children, man you still don't have a child and you don't even know if you will ever be able to have children, I know that in case you can't have children, you can adopt children, but even so, it's still best to plan things that you don't have in concrete yet.

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bitcoin is a high risk investment and nothing can guarantee that it will give high returns, for example a person could buy at 50,000$ thinking that in 3 years they will have a 2X profit and with that they will pay for their children's school, but see that the price dropped to $20,000 and it can take 3 years to get back to $50,000 and that person will be left with the same money they invested 3 years ago

No problem with that strategy as long as you're still a long way to go before your kid sees college. That's actually a good start and that's no different from the early years where people are investing into college or education plans. But as I've seen those educational plans, many of them went bankrupt and filed for bankruptcy because those companies can't sustain their customers. Well, at least for investing in crypto, they hold the funds and whether the market goes up and down, the money is on their wallets and they have full jurisdiction when to sell it.

This may make sense. Investment is one of the ways to save our money for the future. Although in crypto investment, we cannot expect too much from the reward because nothing knows what will happen in the future, at least, we have made some preparation for our future. One of the futures necessary the tuition fees for our children. We cannot deny that especially in my country, the fee for tuition moreover in a better college will need higher fees, moreover in the future. That is why it is not wrong if we want to prepare the fees since from now. This preparation and investment is one of the ways to save money. Whether the reward will be really fit or not will depend on how we can manage the investment, set the target, and also control ourselves doing the investment.
However, if our children are getting higher, we can let them know about the investment and tell them little by little so that they will know if something happens unexpectedly, they have known what to do. Although of course this will work if our children have been really aware of it

I agree with your opinion and so far I think I have it too. I have investments in crypto, gold and other physical investments. This is something I call a long term savings and I'm probably holding on to it as best I can because I can't sell it anytime soon if it's not really needed.

Teaching children to gain knowledge about investing is a good thing especially as the world is getting modern. They must be ready to be a generation that knows about crypto because we are very aware that in the future crypto will be much better and more use cases. My investment today will probably be of great value in 10 or 20 years, so since this is an investment objective, we must realize that having a secure wallet and securing the wallet is of utmost importance.

Investing in cryptocurrency for tuition fees is a huge risk for him.It turned out that after investing, the market is dumping a lot, then it can have many problems.No one can ever give 100% guarantee how safe an investment is.If he had any investment in other work then that would be fine but for tuition fee still I never think it is right on Bitcoin.

There's almost a hundred percent guarantee if you will hold it for a longer period of time. Let's say your kid is only 5 or 6 years old today and you're now beginning to stack sats for his college or university tuition fees. When the day finally comes that your kid will already go to college or university, that would already be more than 10 years of holding. I think your savings have already increase in value a lot. If we try that with fiat, it would be a futile attempt.

if you invest in crypto for college fees, I think it can be applied, but for elementary to high school, I think it's better to save in fiat because I think crypto prices that don't necessarily make finances will be chaotic, not profits but losses obtained and seen by time are too short for we need the cost of education itself

While saving bitcoins for the future is a good idea but if it is money to use for important work, it is no longer a wise investment. Investing our children's tuition money in a risky investment like bitcoin seems risky to me. We all know bitcoin volatility is unpredictable, what happens to your kids if your investment gets stuck in a bear market?. I wouldn't do this either.

Indeed, there are many investors in this world, some are long-term investments, some are short-term, but the goals of these investors are varied, including for education, some for inheritance and others. and indeed I think it is very good to invest in long-term crypto which aims for educational costs, because I myself am also an investment for my child's future, but we must be smart in choosing crypto and definitely have to choose quality crypto, and when going to buy must wait for the right time