Bitcoin is a "Cheat Code" to Retire Without Selling, Analyst Explains Why | Market Editor's Pick

Bitcoin is framed as a “cheat code” for retirement that avoids selling, according to Mark Moss, who outlined the view in a Coin Stories podcast. The argument runs counter to conventional retirement planning: instead of selling Bitcoin to fund day-to-day spending, the goal is to remain in the “owner column.” Moss claims that under the debt-based monetary system in place since 1971, owning Bitcoin— even $1—can allow borrowing against it, while selling triggers tax events and converts a long-term asset into spending. He argues for “retiring from assets” using disciplined loans with low loan-to-value ratios, layered liquidity, and treating asset sales as a last resort, while paying attention to market cycles. The article also notes a disagreement with Bitcoin critic Peter Schiff, who said the approach only works for those who bought Bitcoin long ago.