Why Bitcoin's fixed supply matters more than most people realise. 5/12

In my last post, I shared Australia's M3 money supply chart — and what it quietly reveals about why savings lose their strength over time.

Once you understand that a continuously expanding money supply tends to erode purchasing power, a natural question follows:

• What would happen if the supply was fixed instead?

That's the idea at the heart of Bitcoin.

No matter how many people join the network. No matter how much demand grows. No matter which government is in power. The supply schedule stays the same. Bitcoin has a hard cap of 21 million coins. The rate of new supply decreases over time in a way that's entirely predictable. Not estimated. Not adjusted at a quarterly board meeting. Known in advance, by anyone who wants to look. Imagine two water systems. One is the river we looked at last week — gradually becoming a flood. The other is an engineered spillway. The water still moves, but the rate is known. You can plan around it, because the rules don't change depending on who's in the room. That contrast is how I think about the difference between modern monetary systems and Bitcoin.

This week's federal budget added another layer to this conversation. From 1 July 2027, the 50% CGT discount will be replaced for new investments, with indexation and a minimum 30% tax on capital gains applying instead. It's one of the most significant changes to investment taxation in decades, and it affects all asset classes — not just property. I'm not here to offer a view on whether that's right or wrong. But it does change the landscape that long-term savers are navigating — and it's worth being aware of as you think through your own position.

This is exactly why Lucas and I built Get Paid In Bitcoin the way we did — not around trading or speculation, but around quiet, automated accumulation running in the background while life keeps moving.

Most real wealth-building looks unremarkable while it's happening. Slow contributions. Long time horizons. Patience.

The difference between a system where supply expands continuously and one where it's fixed matters far more over ten or twenty years than it does over ten or twenty days. You don't need to start big to start learning. Small, consistent steps over a long period of time will almost always outperform dramatic decisions made in a rush.

Find earlier posts in this series at https://www.getpaidinbitcoin.com.au/blog

This post is not financial or tax advice. Please consult a qualified professional (that understands bitcoin) before making any investment decisions. #Bitcoin #Inflation #CGT #FederalBudget #GetPaidInBitcoin #LongTermSavings