What will your choice be?

[TedMosby]

Your post reminds me of the legendary Bitcoin Family.
They sold everything they owned, including their house, to buy Bitcoin in 2017 [1].





The BTC price was $900 back then when Didi Taihuttu (the father) bought it in 2017.
The house they sold was worth $300K, and they bought 100 BTC with that money [2].

Initially, he only bought BTC. But in an interview, he stated his target is a $100 million net worth.
60% in BTC and the rest is a mix of ETH, SOL, LINK, SUI, and AI and education focused startups [1].

If I’m not mistaken, CZ was also the one who sold his property (an apartment) to go all-in on BTC. CMIIW.
Look at him now, he's now one of the richest.

Either these stories are a combo of audacity + knowledge or just audacity + luck.
Because I believe there are many people who did the same thing.
But only those who survived and succeeded exist in the top layer of the internet.
It’s just a survivorship bias [3].


Source:
[1] https://www.cnbc.com/2025/06/07/bitcoin-family-crypto-security-kidnappings.html
[2] https://news.bitcoin.com/this-man-sold-his-house-for-bitcoin-in-2017-now-he-can-buy-25-homes/
[3] https://en.wikipedia.org/wiki/Survivorship_bias

[SeriouslyGiveaway]

I don’t know if those were Saylor’s exact words or you are just paraphrasing. When he was interviewed on Bankless some days ago, he predicted that Bitcoin would reach $21 million per coin in the next 20 years. 0.1 BTC would be enough to make you a millionaire, so if you believe his prediction, it should be your goal to accumulate that much BTC.

If he actually said such price prediction, I don't mind to check the accuracy of this information like is it actually from him, because I consider this prediction is non sense so I have no reason to waste my time for verifying its source and accuracy.

In the past, he has also said that you should get a loan against your home and buy bitcoin. Depending on your situtation you should either prioritize stacking 0.1 BTC before buying a home or borrowing money to stack BTC if you already own a home. Ether way, the goal is always to keep buying BTC.

About past sayings of Saylor, I think there is another interesting post from him, many years ago when he said that he did not believe in Bitcoin future.

This post in 2013.
https://x.com/saylor/status/413478389329428480

Bitcoin days are numbered.   It seems like just a matter of time before it suffers the same fate as online gambling.

I wouldn’t necessarily follow his advice. You should prioritize whatever is most important in your life. You can still save up to buy a house and set a smaller amount aside for occasional BTC purchases.

This prediction is unrealistic, surely and Bitcoin will never hit $21M per one bitcoin in next 20 years.

It's best to ignore such price prediction from Saylor or anyone else or any institutional investors. They make such price predictions in order to hype people in the market for their price manipulation, distribution only.

[Maslate]

0.1 btc is already huge amount once converted into our own currency. Given the case that I have acquired lot already, so my plan would be this, build a small but comfortable house for my family, and secure the remaining amount to buy bitcoin and hold for years. This way, I will be able to acquire both without compromising my goals in life, to have a place of my own and a long term investment that can secure a brighter future of my kids.

I don't have to make things complicated and regret later on. I'll just deal with both choices, and enjoy the positive outcomes in the future.

[knowngunman]

BTC0.1 with current price is worth about $7.5k and this money can not even build a standard fully finished 2 -3 bedroom in any part of the world except it's a mud and thatch house you are planning on constructing  
So, if you have this money either in your savings or you inherited it or it was gifted to you or you won a jackpots, instead of thinking to build a house with it, It will be better to invest it on Bitcoin because the money is small to used for house project (this is not an advice to anyone tho). Assuming this money came to your hands when you still have a roof above your head, then building is not going to be a first decision then.

Did you just say any part of the world? You probably undervalued that amount but hey the standard and cost of living differ in various parts of the world. The $7.5k convert to NGN is about 10m in local currency which is fair enough to get you a standard two bedroom flat in a remote areas from foundation to roofing and other finishing. Mind you, it's not mud house I'm talking about here. So it depends on where you want to build the house and the cost of materials in that location. I agree that amount won't get you a standard plots of land in major cities.

I'm not encouraging anyone to either invest or start a building project with that amount but I believe everyone already know their choice if they have that amount depending on their condition. It's unwise to invest when you're not sleeping with both eyes close due to discomfort.

[john_egbert]

0.1 btc is already huge amount once converted into our own currency. Given the case that I have acquired lot already, so my plan would be this, build a small but comfortable house for my family, and secure the remaining amount to buy bitcoin and hold for years. This way, I will be able to acquire both without compromising my goals in life, to have a place of my own and a long term investment that can secure a brighter future of my kids.

I don't have to make things complicated and regret later on. I'll just deal with both choices, and enjoy the positive outcomes in the future.

It's a more solid and grounded approach then to just top it all off in BTC.. I agree

[purple_sparkles]

BTC0.1 with current price is worth about $7.5k and this money can not even build a standard fully finished 2 -3 bedroom in any part of the world except it's a mud and thatch house you are planning on constructing  
So, if you have this money either in your savings or you inherited it or it was gifted to you or you won a jackpots, instead of thinking to build a house with it, It will be better to invest it on Bitcoin because the money is small to used for house project (this is not an advice to anyone tho). Assuming this money came to your hands when you still have a roof above your head, then building is not going to be a first decision then.

Did you just say any part of the world? You probably undervalued that amount but hey the standard and cost of living differ in various parts of the world. The $7.5k convert to NGN is about 10m in local currency which is fair enough to get you a standard two bedroom flat in a remote areas from foundation to roofing and other finishing. Mind you, it's not mud house I'm talking about here. So it depends on where you want to build the house and the cost of materials in that location. I agree that amount won't get you a standard plots of land in major cities.

I'm not encouraging anyone to either invest or start a building project with that amount but I believe everyone already know their choice if they have that amount depending on their condition. It's unwise to invest when you're not sleeping with both eyes close due to discomfort.

I doubt many people would actually want to live in Nigeria with that kind of money, it might make more sense to move and start a new life elsewhere. The funds could be allocated wisely, for example, part could go toward starting a business or learning a profitable profession and buying the necessary equipment, while another part could be kept in bitcoin.I also wouldn’t start construction, because it usually brings a lot of unexpected expenses, and without a steady income, it can easily remain unfinished. Investing in bitcoin or in yourself seems like a more logical option to me.

[Jewan420]

Drop your opinions.

If I need a house, I will buy it, Bitcoin investment is a future plan. To arrange that future, I definitely do not want to be without a place to live, especially in the current situation, a large part of my income goes to renting a house, so if I have the money to build a house, I will definitely build a house. When I have a personal house, the money I used to spend on renting a house will be added to the prudent money with which I can start investing in DCA if I want. I think DCA investment is relatively profitable and will be a large investment savings compared to a one-time investment. On the one hand, you get the opportunity to improve your real standard of living, and on the other hand, you also get the opportunity to build an investment fund.

[macson]

Either these stories are a combo of audacity + knowledge or just audacity + luck.
Because I believe there are many people who did the same thing.
But only those who survived and succeeded exist in the top layer of the internet.
It’s just a survivorship bias [3].

The number of people who have successfully done this is small. Let's be realistic, if someone were to invest all their money in Bitcoin right now, they would likely face significant risk because they wouldn't have the funds available for their needs, and they might sell at the wrong time when the price drops, thus realizing a loss.

So understanding priorities is crucial. Buying a house or investing in Bitcoin shouldn't be forced. Know your financial limits, take care of your primary needs first, and then think about everything else from there.

[SFR10]

If you have money that can build you a house but also this money can get you 0.1BTC, which one will you chose to do?

It depends on a few things...

e.g.,

• If I'm the head of a family, I'll always choose the one that can inject stability into our lives ^{[a house]}.
• If I already own a house, going with those fractions of bitcoin is a no-brainer ^{[assuming that general prices were much lower and the latter had significant value]}.
• If I weren't necessarily the provider, but still had both of them, I would've built and leased out a house and I would've used half of its monthly rental income to purchase fractions of bitcoin.

[Ahli38]

Don't buy a house he said, buy BTC instead.

If you have money that can build you a house but also this money can get you 0.1BTC, which one will you chose to do?

Micheal Saylor is telling people to avoid buying a house right now but instead buy 0.1BTC and hold, so I think this will be a good discussion for today, what do you guys think will be the best decision?

Drop your opinions.

(Source)
Michael Saylor reportedly also once advised people to mortgage their homes, where at the time there were many who were both for and against his statement (Source). And his statement was similar to what he had said before. I personally think that buying a home is a primary need for every family as a permanent residence. And families who do not yet own a home should prioritize buying one. But if buying a home is a secondary option, where it means that the purchase is for investment purposes then I think it’s better to buy Bitcoin instead of a home. Buying Bitcoin could offer significantly greater profit potential than buying a home given that Bitcoin’s price has historically shown very high growth. And every Bitcoin’s four-year halving cycle has proven that its performance appears very promising during bullish periods.

[TheUltraElite]

I dont care what some millionaire says, I need a house hence I will buy a house - as simple as that.

Nobody out there should be controlling your decisions in this free world. If you wish to buy bitcoin, you need money that you have earned yourself after you settle with a house and a job. These things come eventually one after another, just because someone is profiting on it right now, does not mean you have to jump into the action.

You can take your time, there is no correct time to do anything.

[Giwagi56]

Don't buy a house he said, buy BTC instead.

If you have money that can build you a house but also this money can get you 0.1BTC, which one will you chose to do?

Micheal Saylor is telling people to avoid buying a house right now but instead buy 0.1BTC and hold, so I think this will be a good discussion for today, what do you guys think will be the best decision?

Drop your opinions.

For me i don’t think it is a good advice, if people have money to buy a house they should do so because having a house is very important, some of us that are paying rent and get disturb by the landlord will be happy to get a house because it is our biggest dream, buying bitcoin is not a bad idea but what if you have a house and start working hard to get meony to buy a house at the end.

Bitcoin will not run and you can invest any time and any amount you have so i don’t need to rush to buy bitcoin when I don’t have a house, no one in his right mind will even think of buying bitcoin when he or she have the money to buy a house, to have your own house is one of the biggest dream of a man.

[DiMarxist]

Not everyone will agree with Michael saylor on his stand on buying Bitcoin in the place of a house if the money were there. It will only take people who are looking at the future and is seeing what is going to happen ten to fifteen years from now. From what I have been able to know is that we should always think of something that will add value to our money, building a house is good but it depends on the purpose of the house, whether it's for personal use or renting. If it's for renting then I will say that the  house is going to generate money too and adding value to the money that were used. Buying Bitcoin today has a lot of economic importance because the price of Bitcoin is something that grows as time passes, so holding your bitcoin will generate a lot of profit to you.

[ZAINmalik75]

Don't buy a house he said, buy BTC instead.

If you have money that can build you a house but also this money can get you 0.1BTC, which one will you chose to do?

Micheal Saylor is telling people to avoid buying a house right now but instead buy 0.1BTC and hold, so I think this will be a good discussion for today, what do you guys think will be the best decision?

Drop your opinions.

I can't buy a house with 0.1 BTC, the amount is not enough to buy a house. I don't know why you chose 0.1BTC for this example, you should have chosen a higher amount of BTC to make it more interesting. Like 1 BTC or a house. So then it would be more interesting. But I guess you must have your reasons for this comparison. Anyway, my choice would always be BTC because it depends on two things, one is what you want either it is investment two either it is your need that you have to fulfill.

So you go for it once you are sure, If I need a house, It does not matter, I will chose it but if I already have a house and I am not on rent then I will go for 1 BTC and right now my answer would be to chose 0.1 BTC.
Because in the next few years maybe in the next cycle I could make 2x although having 0.1 btc is free money if it is gifted but I would hold it for long term not just for one halving.

[Orpichukwu]

I would choose the house if i did not already have one a house gives u home, removes rent, while 0.1 BTC is still an investment that could go up or down. if u already have a home and extra money, then buying BTC can make more sense, but i would not risk having no house just to own more BTC

That's exactly what an average person should do because they don't think of investing while they don't have a secured roof under them, and when some money comes in instead of buying a home, the person invests it in Bitcoin and stays under a rented apartment; there might come a time when they will be forced to sell part of that Bitcoin to pay rent even if the price is below what they initially purchased it for. There will be no choice left because home is important.

[Versatile_choice]

Your post reminds me of the legendary Bitcoin Family.
They sold everything they owned, including their house, to buy Bitcoin in 2017 [1].





The BTC price was $900 back then when Didi Taihuttu (the father) bought it in 2017.
The house they sold was worth $300K, and they bought 100 BTC with that money [2].

Initially, he only bought BTC. But in an interview, he stated his target is a $100 million net worth.
60% in BTC and the rest is a mix of ETH, SOL, LINK, SUI, and AI and education focused startups [1].

If I’m not mistaken, CZ was also the one who sold his property (an apartment) to go all-in on BTC. CMIIW.
Look at him now, he's now one of the richest.

Either these stories are a combo of audacity + knowledge or just audacity + luck.
Because I believe there are many people who did the same thing.
But only those who survived and succeeded exist in the top layer of the internet.
It’s just a survivorship bias [3].

Should we call this s smart move or something, what if after selling his properties and apartment and the outcome turns out not to work in their favour, what would have become of him and his family? Although looking at the price back then and the current price of bitcoin it's obvious that they are in a bigger profit, but even as that I think they made the wrong decision that's by selling thier properties and apartment although I know they must have gain even 10-15 times the money they get from those properties they sold. For me even though bitcoin is a good asset yet I can't go extra mile to invest in it I would rather invest with the little I have with me than trying to be over aggressive.

[Queen uloma]

For me if I don’t have house of my own, I will build house rather than investing on bitcoin, I know how its not an investment, but if you have your own house where you won’t face rent issues, you have peace of mind and you won’t have problem with landlords. It has more value than BTC, and BTC can’t replace it. But BTC is a good investment that grows very well but it still has risk. Price goes up and down.  So, if you haven’t achieve anything like house, and you’r still struggling with rent , I won’t advise you to carry all your money to buy BTC, life isn’t only about investment, you also need were to rest your head. But if you already have a house, or a stable place to stay, you can use the money to invest in BTC it’s not a bad idea, especially if you understand the risk and you can hold it in longterm.
Conclusively, the best thing is to build a small house, then before you can invest with the remaining money. BTC can make someone rich, but house gives you peace of mind.

[Miles2006]

This discussion is really a serious one and needs proper attention, anyone can decide to take such advice and along the line many might fail obviously bitcoin is not a quick rich scheme so expecting such money to gain higher value within a short period of time might get anyone disappointed. Many people made the mistake of choosing other investment or other achievements than investing in bitcoin earlier and now I see a lot of regret post on the internet also many post in form of mockery and the rest while on the other hand many preferred buying a car, house etc.
Definitely this is a personal choice and depends totally on what can sustain a person for longer period without getting stressed out, personally buying a house has nothing to do with buying bitcoin viewing both are in different line, at the end you just have to choose buying a house first.

[mcdouglasx]

Don't buy a house he said, buy BTC instead.

If you have money that can build you a house but also this money can get you 0.1BTC, which one will you chose to do?

Micheal Saylor is telling people to avoid buying a house right now but instead buy 0.1BTC and hold, so I think this will be a good discussion for today, what do you guys think will be the best decision?

Drop your opinions.

It's a personal decision, but since no one can be sure that what Saylor says will come true, I suppose it depends on each person. If they need the house, I suppose they'd prioritize home security first. But if you have some form of steady income, you could afford to hold onto your coins. That's the fundamental basis of HODLing: having enough money so you don't have to resort to your bitcoins. I don't think there's anyone who holds for years and lives in poverty just to keep the coins. At some point, necessity kicks in when you're short on cash.

[uchegod-21]

Don't buy a house he said, buy BTC instead.

If you have money that can build you a house but also this money can get you 0.1BTC, which one will you chose to do?

Micheal Saylor is telling people to avoid buying a house right now but instead buy 0.1BTC and hold, so I think this will be a good discussion for today, what do you guys think will be the best decision?

Drop your opinions.

Some advice is not meant for everyone. What some people need is short-term financial stability and investing in a house (if they can afford it) will be the most preferred option for them. This is because they will be getting monthly or yearly rent from their asset, as opposed to bitcoin, which is highly volatile. Without trying to sugarcoat words to please anyone, volatility could either increase your wealth or reduce it within one year. So, a person looking to earn yearly or monthly income may not consider investing in bitcoin very reliable. They can either choose to build a house or invest in both a house and bitcoin if they can afford both.

I do not have an interest in owning a house for commercial purposes, but if I should consider it, I would rather build a house and consistently invest in bitcoin for the long term.