Summary:
Most investors think the biggest mistake in crypto is missing the upside. It’s not. The real mistake is concentration. In this episode, Andy Tanner sits down with Sir John Hargrave, author of The Intelligent Crypto Investor, to unpack what most people get wrong about Bitcoin and digital assets. Many investors either dismiss crypto entirely or bet far too much on it. Both reactions are emotional. Neither is strategic.
Crypto isn’t a replacement for productive assets. It doesn’t generate cash flow the way businesses or real estate can. And it was never designed to solve retirement income on its own.
But that doesn’t mean it doesn’t belong in a portfolio.
John explains why crypto should be treated less like a lottery ticket and more like a volatile tech stock. They discuss position sizing, diversification, and why 2–10% exposure may be more rational than going all-in. You’ll also hear how to evaluate crypto projects using principles borrowed from traditional value investing — focusing on people, profits, and price.
This is not a prediction episode, it is a positioning episode.
If you’re crypto curious but cautious, this conversation will help you think clearly about where digital assets fit — and where they don’t — in a long-term strategy.

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