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In the quest for financial independence, a revolutionary strategy is gaining traction in Indonesia: saving in Bitcoin. Unlike traditional investment avenues, Bitcoin represents a paradigm shift towards “The Wealth Machine,” a concept that embodies disciplined saving in the world’s most solid form of money – Bitcoin. This strategy is especially pertinent in Indonesia, where economic fluctuations and inflation have rendered conventional savings methods inadequate for wealth preservation.

The History of Inflation in Indonesia

Indonesia’s financial landscape has been marred by periods of significant inflation, most notably during the Asian Financial Crisis of the late 1990s and other economic downturns. These episodes have severely diminished the rupiah’s purchasing power, posing a grave challenge for Indonesians aiming to safeguard and enhance their wealth over time. Historical data from the Bank of Indonesia illustrates these challenges, highlighting the volatility that plagues savers relying on the rupiah.

The Downside of Saving in Rupiah

The rupiah’s vulnerability to inflation means that savings held in this currency are continuously losing value. Interest rates on traditional savings accounts rarely outpace inflation, leading to a real decrease in wealth. This reality underscores the futility of relying on the rupiah for long-term savings, as the currency’s purchasing power dwindles over time.

The Case for Bitcoin: Saving, Not Investing

In contrast to the traditional notion of investing, saving in Bitcoin offers a fundamentally different approach. Bitcoin is often hailed as the most robust form of money available today, owing to its decentralized nature, capped supply, and global acceptance. Unlike fiat currencies, which are susceptible to inflation and devaluation, Bitcoin’s intrinsic properties make it an ideal store of value. Thus, allocating a portion of one’s salary to Bitcoin is not investing in the conventional sense but rather saving in a currency that retains, and potentially increases, its value over time.

Personal Stories: A Tale of Two Mothers

To truly understand the impact of saving in Bitcoin versus the rupiah, let’s delve into the lives of two Indonesian mothers, Sari and Dewi.

Sari’s Struggle with Traditional Savings

Sari, a single mother from Jakarta, diligently saved a portion of her modest income in a local bank, hoping to build a nest egg for her family’s future and unforeseen medical emergencies. Despite her discipline, when her mother fell ill, Sari discovered that her savings had barely grown due to the low interest rates and inflation. The medical bills were overwhelming, and Sari found herself in a dire financial situation, illustrating the precarious nature of relying on traditional savings methods.

woman stuck in a fiat system working hard and running on a mouse wheel unable to save money due to inflation

Sari stuck in a fiat system working hard and running on a mouse wheel unable to save money due to inflation

Dewi’s Journey with Bitcoin Savings

On the other side of the city, Dewi, another single mother, chose a different path. Skeptical of the rupiah’s stability, she decided to save a small, manageable part of her salary in Bitcoin. Initially, she was met with skepticism from her peers, who doubted Bitcoin’s legitimacy and stability. However, Dewi persisted, drawn to Bitcoin’s promise as the most solid form of money. Over the years, as Bitcoin appreciated in value, Dewi’s savings grew substantially. Not only was she able to afford quality medical care when her family needed it, but she also achieved financial security far beyond her expectations. Dewi’s foresight enabled her to retire early, support her family comfortably, and contribute to her community, embodying the true essence of financial independence.


Dewi with minimal belongings yet possessing substantial wealth in Bitcoin, because she understands that neutral currencies stores value better than inflationalry  fiat money

How to Start Saving in Bitcoin

Beginning to save in Bitcoin in Indonesia is straightforward and accessible. It involves allocating a small, affordable portion of one’s monthly income to Bitcoin, using reputable cryptocurrency exchanges or wallets. The key is consistency and viewing Bitcoin as a long-term savings vehicle, rather than seeking short-term gains.

The Role of the Government and Financial Education

The potential of Bitcoin to enhance financial inclusion and stability in Indonesia necessitates a supportive stance from the government. Additionally, financial education is crucial to empower individuals to make informed decisions regarding their savings, helping them understand the benefits and risks of saving in Bitcoin.


Saving in Bitcoin offers Indonesians a viable alternative to traditional savings methods, providing a hedge against inflation and currency devaluation. The tales of Sari and Dewi illustrate the stark contrast between saving in the depreciating rupiah and the appreciating Bitcoin. By starting with small, consistent allocations towards Bitcoin savings, Indonesians can embark on a path to financial independence, turning the dream of “The Wealth Machine” into reality.

Remember, while saving in Bitcoin presents a compelling opportunity for wealth preservation and growth, it’s essential to approach it with caution and conduct thorough research. Diversifying one’s savings and staying informed about the cryptocurrency market are prudent strategies to navigate this dynamic landscape successfully.

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