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0.1 Bitcoin Will Buy You a House

Bitcoin advocate Rajat Soni predicts that 0.1 BTC will one day buy a house, as Bitcoin overtakes real estate as the ultimate store of value. In this deep dive, he explains why real estate is a wealth trap, how Bitcoin transforms financial thinking, and why a $10M+ BTC is inevitable.

Discover why true Bitcoin conviction leads to going all in with finance veteran and Bitcoin advocate Rajat Soni. In this insightful conversation on The Bitcoin Libertarian podcast, Rajat shares his personal orange-pilling journey—from working in traditional finance to fully embracing Bitcoin as the ultimate store of value. He explains how Bitcoin fosters financial sovereignty, discipline, and a long-term mindset, making it far more than just an investment.

On The Bitcoin Libertarian, we discuss the psychological impact of Bitcoin ownership, its role in reshaping personal and economic freedom, and why Rajat believes real estate is an outdated wealth vehicle in the face of Bitcoin’s unstoppable rise. Learn how Bitcoin builds character, why self-custody is essential, and what lies ahead as institutional adoption accelerates.

Table of Contents

The Moment Bitcoin Clicked

"Most people don’t even think about money. They just use it."

For Rajat, his Bitcoin rabbit hole moment came in 2020-2021. A colleague mentioned Bitcoin, but he brushed it off. Later, he saw someone post The Bitcoin Standard on Instagram. He listened to the audiobook, and suddenly, everything changed.

"That book blew my mind. I had never thought about how money really works. Before that, money was just ‘bills and coins’—whatever I had in my bank account. I never questioned it. But once I understood Bitcoin, I went all in. I spent thousands of hours learning, listening to podcasts, reading everything I could."

That deep dive led him to an unavoidable conclusion: Bitcoin isn’t just another asset—it’s the future of money.

Why Real Estate Can’t Compete with Bitcoin

“Real estate is a wealth trap. Bitcoin is financial freedom.”

Rajat argues that real estate is an outdated store of value—one that forces owners into a system of endless fees, maintenance, and government control.

"Even if you own a house outright, you’re still paying property taxes. You’re still paying for maintenance. You’re still at the mercy of interest rates, middlemen, and government policies."

Bitcoin, on the other hand, is borderless, self-sovereign, and requires zero upkeep. Unlike real estate, Bitcoin doesn’t demand:
✅ Property taxes
✅ Maintenance & repairs
✅ Dealing with banks or tenants

Most importantly, Bitcoin is finite—only 21 million will ever exist. Real estate, like gold, can always be created, inflated, and manipulated by governments.

"Houses can be built. Gold can be mined. But no one can make more Bitcoin. That’s why it will continue to eat every other asset class."

How Bitcoin Shifts Your Mindset on Wealth

"Before Bitcoin, I thought I’d be working forever. Now, I see the light at the end of the tunnel."

Bitcoin doesn’t just change how you invest—it changes how you think. Rajat describes how his mindset on money and the future completely flipped after going down the Bitcoin rabbit hole.

"I used to believe in the pension system. I thought the only way to survive was to work for decades, contribute to a retirement fund, and hope for the best. Now? I don’t stress about money the way I used to. I left my finance job in 2021, took a huge pay cut, and I’m still better off. Why? Because I understand Bitcoin."

Bitcoin shifts people from short-term survival mode to long-term wealth preservation. Instead of constantly trading time for money, Bitcoiners focus on accumulating an asset that grows in purchasing power over time.

Minimalism & The Power of Saving in BTC

"Bitcoin makes you rethink every purchase. It turns you into a minimalist by default."

Rajat doesn’t just see Bitcoin as an investment—he sees it as a discipline. He explains how Bitcoin naturally forces people to reduce wasteful spending and prioritize long-term value.

"Before Bitcoin, I’d make impulse purchases all the time. Now, I ask myself—do I really need this, or would I rather stack more sats?"

This shift applies to everything—from avoiding unnecessary consumer goods to questioning the value of traditional investments.

"Owning multiple houses, dealing with repairs, taxes, tenants—why would I do that when I can just hold Bitcoin? The game is changing. People don’t realize it yet, but soon they will."

$10M+ Bitcoin: A Matter of When, Not If

“A $1M Bitcoin is inevitable. $10M is inevitable. $100M is inevitable.”

When asked about his price prediction, Rajat doesn’t hesitate. He firmly believes that Bitcoin’s finite nature will force its price to rise indefinitely as fiat currencies continue to be printed into oblivion.

"The dollar is infinite. Bitcoin is not. It’s that simple. The supply crunch is coming. The ETFs alone are buying more than 10x the daily mined supply. This is just the beginning."

And what about the idea that 0.1 BTC will buy a house?

"Look at the trends. A few years ago, the average US house cost 20 BTC. Now it’s 4 BTC. Soon it will be 1 BTC, then 0.5 BTC… and eventually, 0.1 BTC. It’s a mathematical certainty."

His reasoning is simple:

  • Real estate supply is flexible—more houses can always be built.

  • Bitcoin supply is fixed—demand will keep increasing.

  • Housing investors will rotate into Bitcoin, dropping property values.

"Most people don’t realize it yet, but eventually, Bitcoin will become the preferred store of value. When that happens, real estate prices (in BTC terms) will collapse."

Conclusion

Rajat Soni’s Bitcoin thesis is clear: The world is waking up to the reality of sound money, and Bitcoin is the ultimate wealth preserver. As governments continue printing fiat into oblivion, real estate and traditional assets will struggle to compete against an asset that is truly finite, global, and independent.

His message? Stack as much Bitcoin as you can—because in the future, even 0.1 BTC will be life-changing.

FAQs

Why does Rajat believe Bitcoin is superior to real estate?

Real estate comes with hidden costs (taxes, maintenance, legal issues). Bitcoin is maintenance-free, finite, and borderless.

How does Bitcoin change spending habits?

Bitcoin encourages low time preference thinking—people value long-term savings over short-term consumption.

Will Bitcoin really hit $10M+?

Rajat believes so. As fiat currencies inflate and institutional demand skyrockets, Bitcoin’s finite supply will drive exponential price appreciation.

How can 0.1 BTC buy a house?

If Bitcoin continues to appreciate while real estate deflates in BTC terms, home prices in Bitcoin will keep decreasing.

That's all for today, see ya tomorrow! If you want more, be sure to follow our X (@croxroadnewsco), Instagram (@croxroadnews.co), Youtube (@thebitcoinlibertarian), Tiktok (@croxroadnews) and nostr - [email protected]

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DISCLAIMER: None of this is financial advice. This newsletter is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and do your own research.

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