We’re not really going to talk about the title–it’s too much of a stretch from workplace bullying to competing cryptocurrencies. After all, you know a money maker has peaked when a blog like ours talks about it. We think the attraction to digital currencies on a blockchain is that the technology allows observable math algorithms to fairly solve problems and logistics that currently require subjective (or corrupt), expensive bureaucracy. A lot of the messages we’ve received lately ask questions like, “Can I invest in Bitcoin and make enough money to leave this lousy job,” and, “Is it possible to avoid all this student loan debt by buying cryptocurrencies?” One of our founders made a video today specifically addressing the second question:

Perhaps Bitcoin isn’t much of a segue from our usual topics–financial freedom allows you to walk away from a bad company, or at least make a job’s hourly rate only one factor out of many. Let’s say you’re comfortable in bed, watching a new show on Netflix, and it’s boring. No big deal, right? You reach for the remote–and realize it’s across the room. Trapped. Now this is serious. It’s the same with your career. A tolerable work culture becomes much less so if no other options exist.

There is no better way to make other people rich (like the state lotto) than to lurch desperately into a investment. Although we briefly considered a wellness blockchain, BEHAVE Wellness has no official or unofficial affiliation with any crypto currency or company. This sort of disclaimer is standard for discussions about stocks but virtually non-existent in the haphazard world of the blockchain, with new coins to tackle real and imagined problems appearing quicker than a child can spend tokens at Chuck E Cheese.

Especially for students, the key is not diversification beyond the four coins offered on Coinbase in exchange for American dollars, but simplification despite limited investment dollars. The technology is evolving so quickly that last month’s recommendations are already dated and obsolete. To store value and increase exponentially once hype fades, a coin needs real purpose and scarcity–Stellar and Ripple are compelling platforms with clear uses, but the presence of billions of coins can impact potential returns in the short term.  We’ll do our best to answer specific questions in the comments (the comment link is next to the tags below the post title), but remember that we can have a rational conversation about finance, or we can discuss Bitcoin.