This week we will discuss what makes something an NFT and why it's far more than jpg pictures. While we don't know every use case for nfts there is more than just art. Let's dive right in!

Links for NFT exploration

https://opensea.io

https://rarible.com

I can be reached by email at mcintosh@genwealthcrytpo.com and on twitter at @McIntoshFinTech. Looking forward to hearing from you!

https://genwealthcrypto.com

News Links

https://decrypt.co/86407/nfl-ticketmaster-ticket-stub-nfts-polygon

https://cointelegraph.com/news/el-salvador-to-inaugurate-bitcoin-city-backed-by-1b-bitcoin-bonds

https://bitcoinmagazine.com/culture/hillary-clinton-fears-bitcoin-will-undermine-dollar-as-world-reserve-currency

Music Credits

Protofunk by Kevin MacLeod

Link: https://incompetech.filmmusic.io/song/4247-protofunk

License: https://filmmusic.io/standard-license

Hey

everyone no one on this podcast is a financial advisor. All information presented on this

podcast is for informational purposes only. And now that we have the legal stuff out of the way,

let's jump on in. Welcome to the generational wealth with cryptocurrency podcast. I'm your

host McIntosh. Today we're going to be talking about NFTs. But before we jump into that, of

course, we started off with a little intro music. I will probably be adding some outro music as we

go along to later episodes. I wanted to try and spruce things up a little bit. I'm always trying

to improve this. I hope you notice. And so I found a site where we can find some decent music that

doesn't kill me for the cost. I may even trade some things out here and there. Let me know what

you think about it. Alright, so let's jump in talk about NFTs. First of all, what are NFTs?

NFTs are non fungible tokens. What does that mean? Well, a non fungible token is a token is a crypto

that you can't break up. I can't unlike say a Bitcoin, which you can is divisible to 100

million parts a Satoshi and NFT is not divisible. Now, what are the uses? Well, most of you, if not

all of you have already probably heard of NFTs in relation to art. And we're going to talk about

that. But there's actually a large number of uses for NFTs. Certainly not all currently being

implemented. In fact, one of the uses of NFTs is actually going to be talked about in the news

segment today. But we'll begin with the art stuff because that's what is so popular. Of course,

you can buy NFTs that are art, their drawings, their artwork of a variety of things. Typically,

frequently they're, you know, actually computer drawn. If you've ever heard of the bored apes

yacht club, it was one of the early NFT ventures that really took off. And basically, I don't know

how many there's probably 10,000 maybe, maybe 5000 bored apes that were minted that were created.

So when you hear the word meant, they're simply creating them. And people buy these and hold them

or they buy and sell later. A lot of people are starting to use them as their profile pictures,

that kind of thing. So for some NFTs, board eight would be one of them. There's been quite a bit of

growth. Some of them are quite expensive. I don't know the stats offhand. It's well out of my price

range. I'll be honest, I have no interest in buying a board eight. So anyways, it goes from items like

that all the way down to really individual artists selling their digital art online. Now, what's the

deal about this? If you have an NFT, it is supposed to certify that it's unique, there's not going to

be another one. There's only one again, it's non fungible, you can't break it up. And they should

be unique for each token. And a lot of times people when they're talking about NFTs, a common

complaint is, well, it's just a JPEG, quite often, or some other form of graphic, right? It's no big

deal, you can copy and paste. And it's all over the internet. That's true. And I'm sure as an example,

that there are many copies of the Mona Lisa, you could probably get one at a paint by number store

that would probably be about appropriate for me. But the reality is, there was only one Mona Lisa

that was painted by DaVinci. And if you can prove ownership of that painting, it's worth a lot of

money. And NFTs are the same thing. With an NFT, you can say, well, I've got the painting, I've got

the Mona Lisa, so to speak. I've got, you know, maybe there is five or 10,000 bored apes. But I've

got this one that is unique from all of the other bored apes. And nobody else owns it. There's not a

copy of it that's legitimate. And I can prove my authenticity of the NFT. So that's what's unique

about it. And as an example, to move away from the very high end NFTs like that. I was talking to a

friend of mine the other day about NFTs. He draws a lot of digital artwork on, I think, an iPad.

And I don't know, I'm probably gonna be completely out of my element here. But he draws using like a

stylus. And, you know, he creates some really nice artwork, you know, he posts some of it online.

He's not well known. If he puts one of his art pieces up for sale, he's not going to make, you

know, 10 ETH or 100 ETH or something crazy like that. But could put it up for a 100th of an ETH.

And what does that mean? 100th of an ETH is roughly $40. Not a huge amount. And I want to talk in

terms of ETH. We'll discuss the NFT market took off in ETH. And so it's predominant. There are

certainly other ways of doing this. And that's actually an important distinction that we'll get

into in just a minute. But anyways, you know, he could put it up for 100th of an ETH and sell that

and make some money. And who knows? Now, one of the nice things about an NFT, and the setup that

you use to create them, you can program it so that you actually, if it resells, you can create

royalties. So an artist says, maybe, well, I'm going to sell it for, you know, a 10th of an ETH.

And every time it resells, I get 1% of that. So if you have a piece that gets traded a lot,

or it gets popular, or both, and it starts, you know, climbing in value, the artist continues

to get recurring revenue from that. Now that's pretty neat. So if you know somebody who's into

digital art, who has talent, and, you know, they want to, that's something that they want to pursue,

graphic arts, that kind of thing. I would encourage them to look into that. Now, where can somebody

buy or sell NFTs? Oh, I need to put in a disclaimer here. We want to talk about NFTs. I certainly

want to approach it from the aspect of somebody who wants to earn money, creating NFTs. That's

a very interesting aspect to me. If you're a beginning investor, I certainly would not

encourage you to be buying NFTs. It can be a very speculative market. You certainly can make money

on it. You can also lose money. Well, I'll give you an example. The Koala Intelligence Agency,

which is a collection that was created a few months ago, got a lot of press, if you want to call it

that, a lot of notice. They created 10,000 items. They're on OpenSea, OpenSea.io, and we'll talk

about OpenSea in just a second. But when they initially came out, they were, I don't know what

the price was, but they went up to about one ETH pretty quickly. And right after that, they went

down and they've stayed down. I've seen them as low as less than a tenth of an ETH. Right now,

they're sitting at 0.16 ETH. So if you would have bought at one ETH or even above that,

you would have lost money if you tried to sell right now. Now, will they stay this price?

Probably not. Will they go up to one ETH? I don't know. But it is a very speculative environment.

And this is one of the more well-known projects. So that's something to keep in mind. This is not

something if you're sticking a couple hundred dollars into the crypto market and you're just

getting started that you necessarily want to get involved in. But I wanted to approach this from

two aspects. Everybody is talking about NFTs. It's like one of the crazes. It's driving a lot

of traffic, that kind of thing. So we need to talk about it. But I also want to approach it from the

aspect of if I'm a young digital artist or an older digital artist, it'd be great to possibly

look at getting involved in this as a way to sell your art. Even if you never become super famous,

it is a way for you to earn crypto that I frankly don't have. I can't create art. I don't have that

talent. So that's pretty cool. And we're not going to go into that in a great deal of depth in this

episode. In fact, we'll only touch on it very shallowly, but there's information out there.

So where would you buy or sell your art? There's two big places that I'm aware of.

There's a number of places, but these are certainly the two biggest ones. OpenSea.io,

which I already mentioned, and Rarible.com. So those are probably the two of the biggest

sites. You can check those out. You know, where do we go from here? I don't know. I believe

personally, and this is just my opinion, I may be wrong. I think, frankly, the NFT market itself

in terms of artwork is probably a little overblown. I think it's kind of got a bandwagon effect going

on. I do believe it's going to be around for the long run. I do believe that you'll see lots of

lots of interesting things come out of it. I certainly see people collecting art, and I

certainly see that there will be, there will always be collections that are more expensive,

like the Bored Ape Dot Club, or Crypto Punks, or some of these others. I don't know, really.

Beyond that, I think there's a lot of hype to it. But in the end, I do believe that there's something

there that's not going to go away, if that makes sense. But one thing that people don't understand

is there is a lot of other aspects to NFTs. An NFT is basically a unique token that you can get

to show somebody one Bitcoin is like another Bitcoin. Does that make sense? They're interchangeable,

so to speak. NFTs, on the other hand, are not. My NFT is not the same as yours. And that provides

some interesting things. One of the things that I've thought about for a long time, to be honest,

is using NFTs as a, for tickets. I happen to know, because I've looked it up, that scalping is a

major issue with the major league teams here in the United States, whether that's baseball, hockey,

football, whatever, right? These large events or rock concert, that kind of thing where you get

100,000 people that show up. There's some pretty serious scalping going on, not scalping, counterfeiting

going on. Although this would actually resolve scalping if you wished to handle it that way as

well. If you used NFTs, if you generated tokens, let's say, oh, let's say the who, are they? No,

they're not around. The Rolling Stones. Sorry. The Rolling Stones are still around, I think. I don't

know if they still play, but let's say that they did and they went to Dallas and they had 100,000

people at the Dallas, whatever the Dallas arena is. And you could generate 100,000 NFT tickets for

that event. And what that would mean is that it would force people to have some digital, they

would have to print it out or potentially, or use their phone to access, but they would be able to

prove, this is my ticket, I bought it to go to the concert. Now, not only would that help with that,

it would also potentially give a collectible that the concert goer could then take home.

I say, wow, I got this ticket from the who, sorry, I keep saying the who. The Rolling Stones playing

in Dallas, right? In 2021, I hope I get his name right, Keith Richards, you know, final tour or

whatever. Apologies to whoever I just got their names wrong and bands wrong. I do recognize a

few of their songs, but I'm not big fans. Sorry. Anyway, so there's actually a lot outside of art

and that's actually where I'm interested. There's a lot of uses for this. You can prove ownership of

something with this and it doesn't have to be art. So tickets, oh, and another thing is this would

give you a legitimate way to sell somebody a ticket. If I'm scalping tickets out in front of

Three Rivers Stadium for the Pittsburgh Steelers football game, a lot of those people are, you know,

they could very easily could be selling counterfeit tickets and you buy the tickets from the

guy there for a hundred bucks and you walk in and then you find out that your seats are full.

Well, if I've got an NFT that's provable that it comes from the NFL slash Pittsburgh Steelers

organization and it's for the game on whatever the day is and it's at seat, you know, G3 and I don't

know, whatever, right? Then as long as the NFL okayed that, which I have no idea what their rules

are, but you could then resell that ticket. Does that make sense? And that way you're ensuring

that it's not a counterfeit ticket when you buy it. So it helps the fans who are trying to do the

right thing in a couple of ways there. Plus again, we've got this collectible item potentially.

Could you imagine, I mean, I don't know if you've ever seen like on NFL, you know,

you've ever seen like on eBay or whatever, but like somebody that's like selling tickets

from the original Super Bowl, the whatever they call it, the, the snow, it was like a whole lot.

I think they played in Green Bay. It's a huge amount of snow and whatever.

Could you imagine if you had an NFT of that, that it was, you know, here's the ticket from,

from that original Super Bowl. And I do see this as being for the collectors out there,

for the collectible market. I do see that as being certainly interesting. Gary Vaynerchuk,

I think his name is, is very interested in NFTs and a lot of it has to do with that angle. I

think for him, he's very much of a collector. He, he still to this day will go to yard sales

and this guy's worth a crazy amount of money and he works insane hours and he'll go to a yard sale

and buy and flip, you know, cards, baseball cards, whatever, because that's just something

that he enjoys doing. And he actually, I mentioned the Koala market Koala intelligence agency.

He's actually bought one of those for a fair amount of money. He bought the most rare and there's a,

there's a way to rank your NFTs, so to speak, based on characteristics

in something like this board eight got club or the Koala intelligence agency. Some are more common.

So they're like common baseball cards or whatever. And then you got the super rare Michael Jordan,

you know, rookie card or whatever that one's worth more money. That kind of thing. So he went and

bought, I think it was the rarest one paid a lot of money for it. As far as I know, he hasn't sold it.

But that's Gary for you. It's a very interesting dynamic there. I certainly don't think that's

going to go away. I think we're going to see a lot of innovation in this space, frankly, that,

you know, again, back to our analogy, we've been using internet 1994 with the internet in 1994.

We didn't understand what was going to happen, be available in 2020 or 2021. Right. And so

it's the same way we're kind of feeling our way along here. We don't know. People are going to

innovate. People are going to create new things. So I'll go ahead and mention, I'll just go ahead

and talk about this news item because it's so relevant. So just a few days ago, November the

18th, and this isn't quite what I was talking about, but it's very close. The NFL and Ticketmaster

launch what they call ticket stub NFTs on Polygon. So Polygon is another token, another blockchain

that's being used for these NFT sites. And I'm just going to read through this really, really

briefly. NFTs are replacing ticket stubs for the NFL, at least for the rest of the games this year.

The league today announced that fans attending games through the end of 2021 will be able to

receive a virtual commemorative ticket as an NFT in a Ticketmaster digital wallet. So Ticketmaster

is a big ticketing, digital online, you know, ticketing company. And so you'll have this wallet

that you have your commemorative ticket. So it's very similar to what we're talking about. So

that's cool. And they just kind of announced that Ticketmaster is going to be a virtual

Ticketmaster. So that's cool. And they just kind of announced it like right in the middle of the year.

In order to claim their NFT, the fans will have to purchase through one of the licensed

NFL ticketing network vendors, which is Ticketmaster, StubHub, and SeatGeek or a

team's corresponding ticket office. So basically anybody who's bought a legitimate ticket that

didn't buy it from the scalper out front of the stadium can get their commemorative ticket. So

that is really cool. I don't think that's the end of that. So this did mention it's running

on the Polygon chain. The reason why, as every, you know, one of the issues that we've got going

on right now in the crypto world, the Ethereum blockchain is super busy. It's very, it can be

very expensive in terms of gas fees for transaction. And it hurts these NFT sales because you've got a

site like OpenSea where you're going to go buy a 0.1 ETH ticket and then it costs you, you know,

40 bucks to get that NFT. And that, you know, that's painful. So a lot of these sites, OpenSea

actually did start doing this. They will allow both ETH and Polygon. So they have a Polygon

side set up. So there, and the gas fees, so to speak, the transaction fees on Polygon are much,

much lower. So that's why the NFL did that actually. Anyways, that was part of our news.

And we'll be getting to the rest of the news in just a minute. I want to wrap this up first.

So I say all this and I say, I don't really know where this is going to go. And we'll see. I think

there's, this is an area where we will see quite a bit of innovation. And I want you to be aware,

I'm going to list these websites in the show notes, opensea.io rarity.com. I'll put links to the

news items as well. And we'll continue to monitor this. I'll continue to bring along more news. I

don't want to get too deep into this. One of the things I did not talk about is how you met your

own NFT. The average person listening to this podcast doesn't really care, but you can meet

your own NFTs, as I briefly mentioned. So for somebody who is a digital artist, they can do

that. They can meet them. They can put them up on these websites, OpenSea or Rarible, and they can

sell their work or rarity, excuse me. And even though it would be a new process for you, certainly

it's not super difficult. All right, let's turn to the news. Had a lot of news this week. I already

mentioned the NFL and Ticketmaster. So we will skip over that. I did want to point this out and

I try not to turn this show political. It's not my goal. I'm not really a political person.

People sometimes think I am. They think I'm for one side or whatever. I'm frankly for

the government to stay out of my business. But one thing that I will talk about on this show is

when monetary policy, in particular in the United States where I live, intersects with Bitcoin.

So we've got an interesting situation going on right now in our Congress and Senate and other

legislative or executive bodies. We are getting politicians who are pro or con Bitcoin or crypto.

You have, and it's both sides of the two major parties in the United States, Democratic and

Republican. So you'll have somebody like Ted Cruz who's pro Bitcoin. So Ted is a Republican.

You'll have somebody else in the Republican party. Donald Trump pretty famously actually was not very

crypto friendly, so to speak. And I do believe during his presidency, that's why we didn't see

a lot of executive push for that. Democratic, same way. You've got people on there that

they're pro Bitcoin. And then you've got people who very famously aren't. What's her name? Warren,

Senator Warren from the Northeast. And I don't remember what state exactly, but she is very

not crypto friendly. So anyways, there are times and I don't look, if anybody wants to debate about

this, this isn't about right or wrong. I'm just presenting the news here. And understand, I do

believe that, I will say this, I do believe that these politicians will shape the policy of the

United States over the next 20 years. And I do believe that this is very quickly going to become

a voting issue. It's not going to be Democrat or Republican. It's going to be crypto or not crypto.

And I'm not sure that's a good thing necessarily, but maybe it is. I don't know. But I do think it's

going to happen because there's a lot of younger people, 20 to 30 year age range, who don't care

one bit about politics because they don't see how it affects them, but they care about crypto.

And these are people that both of these parties are trying to reach. So anyways, back to the article.

Earlier this week, Hillary Clinton, former presidential candidate, I believe she was also

a Senator. She's had a number of roles. Secretary of State, if I'm not mistaken. My memory on this

kind of stuff is not the best, but I think that's correct. Anyways, she came out and she was speaking

about Bitcoin during some panel discussion. It was at Bloomberg New Economy Forum in Singapore.

And she said some fun stuff that the summary of it essentially is that she fears that Bitcoin

will undermine the dollar as a world reserve currency. So the US dollar is essentially at

this point considered the world reserve currency, meaning countries trade in it, right? So China

needs to trade with Australia. They're going to do it in US dollars, as crazy as that sounds.

That's what it's done. And the reality is that's given the United States a position, a very powerful

position in terms of finance for a long time. Now, she's worried that that's going to be

replaced by Bitcoin. She's worried about it. And I would applaud it, because whether it's Bitcoin

or some other legitimate currency, and I certainly believe that at this point, Bitcoin is the most

likely candidate. Bitcoin is neutral. Bitcoin doesn't care if somebody's from the United States

or Russia, from China or South Africa, whether they're white or black or brown or whatever,

Bitcoin doesn't care. And it levels the playing field. See, we, in my opinion, this is my opinion,

this is, you may not agree with this, and that's okay. I'm not going to argue with you about it,

but that's okay. You could disagree. We have, there's 80 something odd countries in the world

that actually use the US dollar as a currency. It's their legal tender. El Salvador is one of

those. And we are seeing inflation happen. Okay. We're at six and a half percent recognized right

now. I think it's significantly higher than that, but let's go with that figure. In large part,

because we print money like it's nothing. There's legitimate statistics that show that I think it's

over the last three or four years, we've printed 40% of the money of the US money supply. It's

money supply. It's ridiculous. It's insane is what it is that we think that this is okay.

So inflation is here. In the United States, they've been printing this money and sending

out stimulus checks. And we've had multiple rounds of them. But in El Salvador, Panama,

or any one of these other places that uses the US dollar, see, they don't get a stimulus check.

They just get the inflation. And so it's hurting them. And I actually believe that that's

one of the primary drivers behind El Salvador's move to legalize Bitcoin was to sidestep that.

And it's a natural reaction. So as inflation wraps up in the United States,

and consequently around the world through this, you're going to see, I believe more and more

countries move to Bitcoin as a standard. And just like there's no international law saying

that the US dollar is the is the currency standard. When Bitcoin comes in and replaces that over the

next five years, or maybe 10 years, let's stretch it out 10 years, then there won't be a law,

it will just be the oh, El Salvador has Bitcoin. Panama has Bitcoin, we need to trade between the

two. Why don't we do that in Bitcoin? So I don't know what she fears other than the United States

loss of power. But as a US citizen, I will sit here and tell you I'm okay with that. Because it's

going to happen anyways. And it's not because of Bitcoin Bitcoin. This is the funny thing they

think this is she thinks that Bitcoin is the cause of this. And that's baloney. Bitcoin is a reaction

to it. Bitcoin in 2009 was created because of the financial crisis in 2008. It was a direct result

of it. It is a reaction to it. It's not the cause of it. So when Bitcoin and these other crypto

currencies start changing the world over the next 10 years, keep that in mind, because there's going

to be fear, there's going to be FUD, what we call FUD, Fear, Uncertainty and Doubt, that's going to

be heaped upon this saying that Bitcoin is the cause of all this, and it's terrible and Ethereum

is terrible and blah, blah, blah, blah, blah. Don't listen to it. Understand the facts behind

what's going on. The United States currency as many others around the world, by the way,

and I can only speak to this because I live here. United States currency is being debased

because of inflation, because there's nothing behind it. It's just printed money and a promise

by the government, a government that has $30 trillion in debt, you can look it up $30 trillion.

And when the house of cards comes down, it's not going to be because of Bitcoin.

Some would argue that Bitcoin will be the answer. I don't know. I'm simply looking at it as an asset,

as something that I can have in my portfolio to better my position. Fun article, and I'll have a

link to that so you can read all the details if you'd like. And I saved the biggest news for last.

So this just came out a couple of days ago. This article is dated November the 21st. I think it

was announced on the 20th. El Salvador, I just mentioned El Salvador. Of course, earlier this

year, El Salvador made Bitcoin a legal tender. Well, at a Bitcoin conference that they were

having in El Salvador, the president of El Salvador, who does have a flair for announcements,

gets up and says, he is they El Salvador, he is launching what they're going to call Bitcoin City.

That's going to be funded initially by a billion dollars in Bitcoin bonds. So I don't know all the

details. I'm going to kind of rough out what I understand at this point, understand this is

early in this process, and this may become fluid, or it may change. It's kind of fluid at this point.

But basically, they're going to create an economic zone, if you want to call it that,

but they're going to call it Bitcoin City. That inside Bitcoin City, of course, Bitcoin is legal

tender. That's already the case all around the country. They'll have 0% income tax, 0% capital

gains tax, 0% property tax, 0% payroll tax, 0% municipalities attacks, and 0% CO2 emissions. So

no carbon emissions. Their plan is to use a volcano, much like they've mined Bitcoin right now

to power this city. Where are they going to make money? There'll be a VAT tax, a value added tax.

I guess it's not that tax. But anyway, so it'll be a tax, a value added tax.

This is going to be a full fledged city. You got residential areas, shopping centers, restaurants

going to have a port. That tax is going to be used to pay the municipality's bond. The

rest will be used for public infrastructure and city maintenance. All right. So they talked about

the feasibility of sourcing that billion dollar bond. I personally don't think that's going to be

an issue. But we'll see. My concern with this, and I will just say this, which kind of my concern

around what I've seen going on with the whole legal tender thing, I don't have a problem with them

actually making it legal tender. I'm a little concerned about the things that they're doing

based upon that. So they've done a number of, I wouldn't call them grandiose, but a number of

projects, like they're building some hospitals and some schools, wonderful things. But they're

doing it based off of, and these are large projects based off of the Bitcoin growth that they've seen.

I would assume that they've calculated all this out, but you know, I've talked about this number

of times, of course, Bitcoin and crypto in general kind of operates from certainly in the past on a

four-year cycle. Now, some people think that we will lengthen things out, but there's still going

to be times when the bear market happens, when Bitcoin dips. We actually saw that right after they

made it legal currency, things dropped and people weren't very happy and then it picked back up.

But what happens if we have a long-term downturn? I don't know how that works out.

I would assume that they've done these calculations. They had to have. It's just naive not to,

but we will see how that works out. Okay. But El Salvador, I will say, I told somebody this

the other day. I said, El Salvador is either going to be like, you know, this spectacular example

of crypto, you know, embracing crypto and just using it and everything is going to go very well

for them, or they're going to flame out like a meteor because they didn't do something right.

I tend to think at this point that they might be on the side of doing well, but

it's too early to know. Does that make sense? And I'm not from El Salvador. I don't speak Spanish.

There's probably a lot of nuances I don't understand. I know that the president has a lot

of vision. I will say that. I want to see long-term how he does, right? I hope that he has the best

interest, and I feel like at this point that he does, of the country, but we will see.

It's a bit of an experiment, but that's probably what's needed at this point in the world

because what we're doing right now in terms of traditional finance and economy and that kind of

thing, I say traditional, at least for the last roughly hundred years, isn't working, frankly.

So I hope it works, and I hope it becomes an example, if it does, for other countries.

It's exciting, certainly. Generated a lot of interest. So I will have a link to and show note

to an article about that as well. So that's something you want to keep your eye on. More

innovation, more acceptance. That could be a big boon for El Salvador, and I don't think the people

who are going to become involved are going to walk away when a bear market happens. I think

the people who got a large amount of money in Bitcoin who would become highly invested

in this project, they've been around for more than a month, and they realize what's going on.

So anyways, that's going to be it this week here in the States. Thanksgiving, Thursday,

the day after this episode is posted, will be Thanksgiving. So we'll be eating lots of turkey,

maybe watching a Charlie Brown Thanksgiving special, and enjoying hopefully some peanut butter pie.

Sounds good. But you guys have a great week. I will be talking about NFTs more over the coming

days. It's a topic people need to know about. Again, I would caution you, certainly if you're

a new investor, it's probably not something you want to dive right into and just pile a whole

bunch of money into, because you can come out behind on that very quickly. It's very much

in flux. Certainly you can make money on it, but you may lose it as well. So hopefully this

will help you guys. And thanks for being here. I hope this has been helpful. I would love to

hear from you. I'm on Twitter at McIntosh.Fintech. And you can reach me by email at

McIntosh at GenWealthCrypto.com. And of course, the generational wealth website