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Just turned 21, considering liquidating my 401k and buying bitcoin. Advice?

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Long post sorry! Just looking for input!

Hello, I just turned 21 a few weeks ago and am considering liquidating my $4900 401k ive been building since I was 18. Same job for 2.5 years now, with 100% 401k match up to 2% of my income.

I own my home, make about $50,000, have plenty of avalible credit, have close to 2k in roth ira, few thousands savings and have brokerage account with fidelity that I mess with on and off and ive used bitcoin via cashapp to buy some things online. But never owned my own, held or kept in cold storage.

I am considering liquidating my entire 401k portfolio (and throwing in tax return money this year) and just buying bitcoin and contributing more to bitcoin real soon as I want a better store of value, possible appreciation/ big growth and control and access to my worth and value should things get funky.

I understand bitcoin and many other higher yielding/ sought after investments can be risky but im prepared to take risks as I am still young, and I now have a family I am growing.

I was considering diving more into real estate as it is something I find really interesting and have much knowledge about considering my age but my apartment complex corporation would not take me 1 month notice that I was breaking lease, and sent it to collections for around 5k left on the lease. I don't really care though, as I have 2 cars, lots of credit and my home. I just can't go the route of real estate the next 7 years (likely) cause of interest rates, coupled with my now dropped credit score (720 down to 640). And not much capital to put down.

I'm still building retirement with my roth, and I know I am in the inheritance of both my parents, as well as I know my family and extended family will support me if I encounter struggles as ive pro en myself as capable and promising to all of them.


Not sure how to feel about 10% penalty, and I know I'll still be in the 12% tax bracket (most likely) since I am the breadwinner and we are now married filing jointly, but I want to get input regarding making this desision as it's risk I'd like to take on and put more value into. I've been looking at bitcoin since it was $25-30k but I always figured it was too complicated and mysterious techy value with nothing behind it.

I will probably be putting more of my value into bitcoin anyways, just looking for input!

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