The Honest Money Show

What happens when a Bitcoiner goes to work inside a central bank? Marek Feder spent about two and a half years in the crypto asset team at the National Bank of Slovakia, and joins Honest Money to share what he learned about Bitcoin, central bankers and how to have better conversations.
Marek explains how his Crypto Coffee workshops reached about 20% of the bank’s staff, why a heated debate on Bitcoin and energy changed how he communicates, and why he believes most central bankers aren’t hostile to Bitcoin. He also shares why he left, the Bitcoin museum he built inside the bank, and his work training Bitcoin educators around the world.
🎙️ EPISODE SUMMARY
Marek and Anja discuss how colleagues and the local Bitcoin community reacted to a Bitcoiner joining a central bank. Marek shares practical ways to lower the temperature of Bitcoin conversations by listening, defining terms and understanding the fear behind objections.
The conversation then turns to the immersive Bitcoin museum, lecturing at the European Central Bank, and the Bitcoin Educators Academy. Marek shares lessons from teaching in Zambia and Nigeria, how adoption looked on the ground, and the religious myths educators face in different countries.
🔑 KEY TAKEAWAYS
Marek says about 20% of National Bank of Slovakia staff attended his Crypto Coffee workshops at one point
Marek says a workshop on Bitcoin and energy turned into “two clubs fighting” until he started listening
Marek says most objections to Bitcoin come from a place of fear
Marek says most central bankers he met weren’t hostile, and some went on to install Lightning wallets and buy hardware wallets
Marek says the bank’s Bitcoin museum was his project, and to the best of his knowledge it is one of the only central banks with one
Marek says being stopped from speaking freely about the museum was one of the turning points that led him to leave
Marek says the Bitcoin Educators Academy has run about 30 times in 20 countries, with around 240 to 250 alumni
Marek says some people in Zambia see Bitcoin as the “mark of the beast”
⏱️ CHAPTERS
00:00 Welcome Marek Feder
02:03 Joining the Central Bank’s Crypto Team
04:37 Why a Bitcoiner Applied to a Central Bank
07:37 First Impressions Inside the Bank
10:03 Crypto Coffees: Workshops for Central Bank Staff
12:16 When the Energy Debate Went Wrong
17:02 How to Lower the Temperature of Bitcoin Conversations
21:46 Did Staff Come to Learn or to Argue?
24:06 Are Central Bankers Hostile to Bitcoin?
26:35 How the Bitcoin Community Reacted
30:22 Why Marek Left the Central Bank
32:14 The Bitcoin Museum and Speaking Freely
34:44 Inside the Central Bank’s Bitcoin Museum
41:17 Bitcoiners in the Reserve Bank of Australia?
43:41 The Bitcoin Educators Academy
47:50 Teaching in Zambia and Nigeria
52:12 Bitcoin Adoption in Africa
55:26 Mark of the Beast and Other Bitcoin Myths
58:59 How Communities Can Bring the Academy to Them
1:01:43 What Gives Marek Hope
🔗 FEATURED LINKS
Marek Feder on X: https://x.com/FederMarek
Marek Feder on LinkedIn: https://www.linkedin.com/in/marek-feder-5b911a15a/
AmityAge on X: https://x.com/AmityAge
AmityAge on LinkedIn: https://www.linkedin.com/company/amityage/
🔗 AFFILIATE LINKS
Buy Bitcoin in Australia With a $10 Sign Up Bonus
HARDBLOCK: https://hardblock.com.au/join/honestmoney
Learn to Acquire, Secure, and Manage Your Bitcoin
MINERACKS: https://www.mineracks.com/honestmoney
Shop Signing Devices, Bitaxes, Nodes, Apparel, and More
SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au
Collaborative Security, Inheritance Planning, and Retirement Strategies
THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money
Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling
LOAN MY COINS: https://www.loanmycoins.com/honest-money
📌 ABOUT THE HONEST MONEY SHOW
The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty.
🔗 CONNECT WITH US
Subscribe for weekly deep dives into Bitcoin and money literacy.
Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow.
⚠️ DISCLAIMER
This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage.
#Bitcoin #CentralBank #BitcoinEducation #MarekFeder #NationalBankOfSlovakia #BitcoinEducatorsAcademy #BitcoinAdoption #BitcoinAfrica #FinancialLiteracy #SoundMoney #HonestMoneyShow

A month before the bottom of the Bitcoin bear market, Anja texted James Check “I’m scared.” James, also known as Checkmatey, onchain analyst at Checkonchain, returns to Honest Money to explain what he told her, how market sentiment has shifted since 2018, and why the pet rock now has a 10 year forecast.
James explains the three phases of a bear market, why treasury companies took the blow off top instead of Bitcoin, the reality of the four year cycle, and how he sees the path to $100K and beyond. Anja shares what she learned from her first bear market.
🎙️ EPISODE SUMMARY
Anja and James look back on the Bitcoin bear market, from the November sell off to the $58K bottom, and the investor behaviour that shows up in each phase. James explains why he prefers steady accumulation over trying to time the bottom, and how he chooses between Bitcoin, gold and cash as a store of value depending on his time horizon.
The conversation then turns to the treasury company boom and bust, record selling from long term holders, altcoins and tokenisation, whether the four year cycle is real, and why James sees institutional normalisation as the most bullish thing for Bitcoin as a long term asset.
🔑 KEY TAKEAWAYS
James describes a bear market as a phase shift, a price capitulation, then a long period of time pain
James says the bottom is a six to seven month process, not a single price
James sees Bitcoin as his longest duration asset and gold as a medium term store of value
James says much of the speculative capital last cycle went into treasury company stocks rather than spot Bitcoin
James says selling from long term holders in 2024 and 2025 was the largest on record
James questions anchoring to a fixed four year cycle based on three data points
James expects a phase change once Bitcoin clears $100K
James believes Bitcoin becoming a normal, boring asset is bullish
⏱️ CHAPTERS
00:00 Welcome Back James Check
00:50 Anja’s First Bear Market
04:46 James’s First Cycle in 2017 and 2018
06:06 The Three Phases of a Bear Market
10:33 Bear Market Regrets and Muting the Noise
12:55 Why 58K vs 65K Doesn’t Matter Long Term
14:10 The Case for DCA and Learning Markets Through Experience
17:11 Buying the Bottom Is a Process
19:02 Gold vs Bitcoin: The Right Tool for the Job
23:47 Lessons From the Last Cycle
24:48 The Treasury Company Blow Off Top
27:09 OG Selling and the Great Rotation
29:55 Will Treasury Companies Boom Again?
35:18 Why James Stopped Tracking Altcoins
36:44 Tokenisation and Onchain Data for Stocks
39:51 Is the Four Year Cycle Real?
46:13 James’s Roadmap for the Next Few Years
49:03 What Changes Above $100K
50:35 Record Long Term Holder Selling
52:56 Bitcoin Becoming a Normal Asset
55:56 Where to Find James and His New Charting Platform
🔗 FEATURED LINKS
Checkonchain: https://checkonchain.com
Newsletter: http://newsletter.checkonchain.com
James on X: https://x.com/_Checkmatey_
Bitcoin Bush Bash: https://bitcoinbushbash.info/
🔗 AFFILIATE LINKS
Buy Bitcoin in Australia With a $10 Sign Up Bonus
HARDBLOCK: https://hardblock.com.au/join/honestmoney
Learn to Acquire, Secure, and Manage Your Bitcoin
MINERACKS: https://www.mineracks.com/honestmoney
Shop Signing Devices, Bitaxes, Nodes, Apparel, and More
SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au
Collaborative Security, Inheritance Planning, and Retirement Strategies
THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money
Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling
LOAN MY COINS: https://www.loanmycoins.com/honest-money
📌 ABOUT THE HONEST MONEY SHOW
The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty.
🔗 CONNECT WITH US
Subscribe for weekly deep dives into Bitcoin and money literacy.
Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow.
⚠️ DISCLAIMER
This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage.
#Bitcoin #BitcoinAustralia #OnchainAnalysis #Checkonchain #BitcoinCycle #BearMarket #Gold #SoundMoney #MarketPsychology #HonestMoneyShow

What does Australia's proposed crypto reporting bill mean for Bitcoin transactions and self-custody? Jordan Dittloff, law graduate and former Libertarian Party Senate candidate, joins Honest Money to share why he has concerns about the draft legislation on crypto asset tax transparency.
Jordan explains what he says the draft would require of exchanges, why he is wary of rules being set by regulation, and why he sees red flags. Anja shares her concerns about wallet transfers and the physical safety of Bitcoin holders.
📝 Submissions close 28 October 2026. Read the draft legislation and make a submission: https://consult.treasury.gov.au/c2026-813391
🎙️ EPISODE SUMMARY
Jordan and Anja discuss what the draft proposes for digital currency exchanges, how it connects to international reporting frameworks, and why Jordan believes the detail being left to regulations matters.
Anja explains why she questions the reporting of transfers to your own wallet, and why she believes the safety of Bitcoin holders deserves more attention. Jordan shares his view on unrealised capital gains and superannuation.
The conversation then widens to the cost of government in Australia, libertarian ideas explained in plain language, the role of the state, community, and the rise of One Nation.
🔑 KEY TAKEAWAYS
Jordan says the draft would require exchanges to report transaction information to the ATO
Jordan is concerned the draft leaves much of the detail to regulations made by the minister
Anja questions why transfers to your own wallet need to be reported
Anja highlights personal safety risks if holder data is leaked
Jordan suspects unrealised capital gains could be a future focus for crypto
Jordan describes libertarianism as the premise that you are the best person to make decisions for yourself and your family
Both guests encourage viewers to read the draft and form their own view
⏱️ CHAPTERS
00:00 Meet Jordan Dittloff
02:55 The Bill and the Rushed Consultation Period
03:22 What the Exposure Draft Does
07:38 Why Rules by Regulation Concern Jordan
10:07 Anja's Concerns on Wallet Transfers and Ministerial Powers
12:48 Safety and Self Custody Risks
14:13 Unrealised Capital Gains and Super
18:39 Cost of Government, Not Cost of Living
20:26 Are Australians Waking Up?
24:27 What Is Libertarianism? Jordan Explains 
29:00 Why Bitcoin and Libertarianism Overlap
31:45 Beyond Left and Right: The Political Axis Most People Miss
35:38 Is Libertarianism Right Wing?
38:22 The Role of the State and Personal Responsibility
41:03 Northern Rivers, Community and the Welfare State
43:56 One Nation: Can a New Party Change Anything?
48:32 Where to Find Jordan
🔗 FEATURED LINKS
Jordan Dittloff Victorian Senate campaign: https://www.libertarians.org.au/vic_senate
Jordan on X: https://x.com/Dittloff4Sense
🔗 AFFILIATE LINKS
Buy Bitcoin in Australia With a $10 Sign Up Bonus
HARDBLOCK: https://hardblock.com.au/join/honestmoney
Learn to Acquire, Secure, and Manage Your Bitcoin
MINERACKS: https://www.mineracks.com/honestmoney
Shop Signing Devices, Bitaxes, Nodes, Apparel, and More
SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au
Collaborative Security, Inheritance Planning, and Retirement Strategies
THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money
Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling
LOAN MY COINS: https://www.loanmycoins.com/honest-money
📌 ABOUT THE HONEST MONEY SHOW
The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty.
🔗 CONNECT WITH US
Subscribe for weekly deep dives into Bitcoin and money literacy.
Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow.
⚠️ DISCLAIMER
This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage.
#Bitcoin #BitcoinAustralia #CryptoRegulation #JordanDittloff #CARF #SelfCustody #Libertarian #AustralianPolitics #SoundMoney #FinancialSovereignty #HonestMoneyShow

What happens to your Bitcoin if you die without a will? Dale Warburton, founder of My Bitcoin Will, returns to Honest Money to explain why most Bitcoin inheritance plans fail, and how to make sure your stack reaches the people you love.
Dale walks through a real Queensland example of dying without a will, why your will becomes public during probate, and why naming your Bitcoin in it could put a target on your beneficiaries' backs. He also explains why an access plan matters even more than a will, how inherited Bitcoin is taxed in Australia, and why your plan is never set and forget.
🎙️ EPISODE SUMMARY
Dale and Anja discuss wills, letters of wishes, executors, access instructions, and the legal side of Bitcoin that every holder should understand before they need to.
The conversation moves from what the state does with your assets when there is no will, to the key terms every beginner needs: probate, executors, letters of wishes, and testamentary trusts. Dale shares why he started My Bitcoin Will after a lawyer dismissed his Bitcoin, and what makes a will valid.
The episode also covers power of attorney, keeping Bitcoin in the residue of your estate, where to store access instructions, keeping your plan simple, cost base and provenance records, when Australian banks might offer Bitcoin custody, and the first step you should take today.
🔑 KEY TAKEAWAYS
Without a will, the state decides who inherits your Bitcoin
Intestacy rules differ by state, even between neighbouring towns
Your will becomes public during probate in Australia
A letter of wishes stays private and can point to your access instructions
Leaving Bitcoin in the residue of your estate protects your beneficiaries
Never store access instructions with your seed material
Inheriting Bitcoin is not a taxable event in Australia
Get your access plan in place first, then your will
⏱️ CHAPTERS
00:00 Meet Dale Warburton of My Bitcoin Will
00:59 What Happens If You Die Without a Will
04:03 Wills, Probate, and Executors Explained
05:55 Letters of Wishes and Testamentary Trusts
08:02 Are Australian Lawyers Bitcoin Literate?
11:14 Why Dale Started My Bitcoin Will
15:32 DIY Wills and What Makes a Will Valid
18:33 Losing Mental Capacity and Power of Attorney
23:29 How to Describe Bitcoin in Your Will
28:04 Why Bitcoin Is Harder to Inherit Than Shares
31:11 Where to Store Access Instructions
37:29 How Inherited Bitcoin Is Taxed in Australia
39:51 Cost Base, Provenance, and Bank Custody
47:25 Do Single People Need a Will?
49:51 Your First Step and Keeping Your Will Updated
🔗 FEATURED LINKS
My Bitcoin Will: https://mybitcoinwill.com/
Dale on X: https://x.com/Dale21M
🔗 AFFILIATE LINKS
Buy Bitcoin in Australia With a $10 Sign Up Bonus
HARDBLOCK: https://hardblock.com.au/join/honestmoney
Learn to Acquire, Secure, and Manage Your Bitcoin
MINERACKS: https://www.mineracks.com/honestmoney
Shop Signing Devices, Bitaxes, Nodes, Apparel, and More
SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au
Collaborative Security, Inheritance Planning, and Retirement Strategies
THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money
Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling
LOAN MY COINS: https://www.loanmycoins.com/honest-money
📌 ABOUT THE HONEST MONEY SHOW
The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty.
🔗 CONNECT WITH US
Subscribe for weekly deep dives into Bitcoin and money literacy.
Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow.
⚠️ DISCLAIMER
This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage.
#Bitcoin #BitcoinAustralia #BitcoinInheritance #BitcoinWill #EstatePlanning #DaleWarburton #MyBitcoinWill #SelfCustody #Probate #PowerOfAttorney #SoundMoney #FinancialSovereignty #HonestMoneyShow

What does the Australian government really think of Bitcoin? According to Bayani Mills, CEO of the Australian Bitcoin Industry Body (ABIB), the problem is that it doesn't. Bayani joins Honest Money to explain how policymakers, regulators, and banks actually see Bitcoin, and why Bitcoiners need to show up if they want the rules to change.
Bayani breaks down why Australia fell behind on Bitcoin innovation, how Bitcoin mining could help build energy infrastructure and lower power costs, and why AML and KYC rules create risky stockpiles of personal data. He also shares why he expects a pitch for a retail CBDC within five years, and why the RBA talks about Bitcoin so much for an institution with no position on it.
🎙️ EPISODE SUMMARY
Bayani and Anja discuss government sentiment toward Bitcoin in Australia, Bitcoin mining and energy, KYC, debanking, and the road to a retail CBDC.
The conversation moves from ABIB's recent event at Parliament House in Melbourne, hosted by Libertarian MP David Limbrick, to why so many Australian Bitcoin miners stay quiet about what they do. Bayani explains how regulators put up barriers instead of leaning into innovation, and how talent and investment went overseas as a result.
The episode also covers AUSTRAC and data collection, the cost and effectiveness of AML and KYC, Project Acacia and stablecoins, banks reviewing customers' social media, the difference between inflation, debasement, and CPI, the shift toward independents, and how everyday Bitcoiners can get involved through meetups and ABIB working groups.
🔑 KEY TAKEAWAYS
Most Australian policymakers only know Bitcoin through crypto and mainstream media
ABIB engages government on Bitcoin mining, energy, and methane abatement
More Bitcoin mining is happening in Australia than regulators realise
Regulatory barriers pushed Australian talent and investment overseas
AML and KYC rules create stockpiles of personal data that put Bitcoiners at risk
Bayani expects a pitch for a retail CBDC in Australia within five years
Banks can decide who they serve, and Australians have no right to a bank account
Rules only change when Bitcoiners turn up and engage with policymakers
⏱️ CHAPTERS
00:00 What Does Government Think of Bitcoin?
01:47 Changing Hearts and Minds in Parliament
03:51 The Parliament House Event in Melbourne
06:35 Why Australian Miners Stay Quiet
10:36 Aussie Bitcoin Talent and Capital Flight
14:46 How to Get Involved With ABIB
18:52 KYC, AUSTRAC, Data Honeypots and Wrench Attacks
27:57 Does AML and KYC Even Work?
32:24 What ABIB Has Been Working On
36:14 Project Acacia, Stablecoins and the RBA’s CBDC Paper
39:43 The RBA Has No Position on Bitcoin?
42:05 The Digital Euro and Money as a System of Control
48:44 Inflation, Debasement, and CPI
50:46 Debanking and Political Dissent
53:55 Independents and Political Engagement
56:51 Bitcoiners Inside Government and Banks
58:23 Is Gerard Rennick Coming Around?
1:01:30 What Bayani Is Most Bullish On
1:04:13 Meetups and Tools for Bitcoiners
1:06:09 Methane Abatement at Local Landfills
1:09:10 Final Thoughts
🔗 FEATURED LINKS
ABIB: https://bitcoinindustrybody.org.au
Orange Label: https://orangelabel.io
BTC Map: https://btcmap.org
🔗 AFFILIATE LINKS
Buy Bitcoin in Australia With a $10 Sign Up Bonus
HARDBLOCK: https://hardblock.com.au/join/honestmoney
Learn to Acquire, Secure, and Manage Your Bitcoin
MINERACKS: https://www.mineracks.com/honestmoney
Shop Signing Devices, Bitaxes, Nodes, Apparel, and More
SHOP BITCOIN AUSTRALIA: https://shopbitcoin.com.au
Collaborative Security, Inheritance Planning, and Retirement Strategies
THE BITCOIN ADVISER: https://thebitcoinadviser.com/honest-money
Reached Terminal Bitcoin? Borrow Against Your Bitcoin Without Selling
LOAN MY COINS: https://www.loanmycoins.com/honest-money
📌 ABOUT THE HONEST MONEY SHOW
The Honest Money Show explores the forces shaping our financial world, from monetary systems and personal finance to Bitcoin. Through in depth conversations with builders, thinkers, and educators, the show challenges mainstream narratives and provides practical insights into financial sovereignty.
🔗 CONNECT WITH US
Subscribe for weekly deep dives into Bitcoin and money literacy.
Follow us on Instagram, X, TikTok, and LinkedIn at HonestMoneyShow.
⚠️ DISCLAIMER
This podcast is for general information and educational purposes only and is not financial, legal, or tax advice. The views expressed by the host and guest are their own and do not represent any organisation or regulatory body. Financial markets are volatile and speculative. You should seek independent professional advice before making any financial decisions. By listening, you accept that all actions taken are your own responsibility, and neither the host, guest, nor the podcast accept liability for any loss or damage.
#Bitcoin #BitcoinAustralia #BayaniMills #ABIB #AUSTRAC #KYC #CBDC #RBA #Debanking #BitcoinMining #ProjectAcacia #SoundMoney #FinancialSovereignty #HonestMoneyShow