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Dad Ledger Insights: Real Estate, Currency, & Crypto for Family Growth

bitcoin cryptocurrency currency devaluation dad ledger defi faith in parenting family wealth fatherhood housing market real estate 2025 ryan fields-spack stablecoins timo prietto trump economy xrp Jul 21, 2025

Hey dads, it’s Ryan Fields-Spack here from The Dad Ledger. As a father of three, I know the grind—waking up early, juggling work, and dreaming of a brighter future for your family. Last week, on July 21, 2025, I sat down with Timo Prietto for a raw conversation about the real estate market’s turmoil, potential currency devaluation under Trump, and the crypto boom that could change everything. Timo, a fellow dad navigating faith and finances, shared insights that hit home. Picture this: Timo rallying his family for church with donut bribery, turning a simple Sunday into a profound win. Or my daughter Allegra posing like a pro for dance studio photos, reminding me of life’s little joys amid economic chaos. Let’s break down the key takeaways and actionable tips to help you, dad, build a stronger family tree.

The Real Estate Reality Check

Timo and I kicked off with a Fox Business clip highlighting today’s housing headaches—interest rates at 6-8%, stagnant wages since the 1970s, and skyrocketing home prices. Remember the 1980s? Mortgages hit 18%, but homes cost $90K, and gas was 40 cents a gallon. Today, median homes are $400K+, requiring $80K down for 20%—a pipe dream for many starter families.

Timo nailed it: we’ve pulled forward decades of price appreciation in just eight years post-2008 crash. Wages flatline while assets 10x, commodities explode (thanks, pandemic supply shocks), and Moody’s predicts just 0.5% home value growth this year. Story time: My family climbed the ladder from a Chicago condo to cash-owning our home by riding low rates and market rebounds. But for young dads now? It’s brutal—renting might outpace buying in high-cost areas like California.

Key takeaway: The market’s tight—buyers can’t afford, sellers won’t budge. But this isn’t doom; it’s a call to adapt.

Currency Devaluation: The Dollar’s Double Edge

Shifting gears, we discussed Trump’s push for lower rates to spur spending—potentially diluting the dollar further. Timo borrowed from experts like Chris Martinson and Tom Luongo: Europe’s banking complex eyes central bank digital currencies (CBDCs) with bail-ins (remember Cyprus 2013, where savings were seized?), while the U.S. pivots to DeFi and crypto.

A split dollar system? Timo floated an idea: a stable domestic dollar pegged to UST, Bitcoin, and gold for everyday use, versus a floating global dollar for trade. This echoes 2025’s shifts—ending LIBOR reliance via SOFR (Secured Overnight Financing Rate) in 2023, reducing Europe’s grip on U.S. rates. Story: Imagine your dad’s 1970s savings account at 5% interest—gone today. Inflation erodes purchasing power, but crypto could hedge it.

Takeaway: Devaluation risks loom, but increased dollar demand from global crypto adoption (e.g., Tether, RLUSD) might balance supply.

Crypto Boom: XRP, Bitcoin, & Family Opportunities

The heart of our chat: Crypto as the escape hatch. Nostro Vostro’s outdated buckets lock up funds for days; XRP rails enable instant, fee-less transfers. Timo explained: Send $1K from Colorado to London? Old way: $3K tied up, fees galore. New way: Stablecoins like RLUSD convert USD to euros in seconds via XRP.

Recent wins: Genius Act passed Senate (68-30), enabling bank-issued stablecoins. Circle’s IPO surged 250%, partnering with SBI Holdings (XRP pioneers) and Newbank. Ripple’s Hidden Road acquisition boosts liquidity. Timo’s tip: Networks like XRP and Constellation (DAG) aren’t just money—they’re data/storage platforms earning via node running.

Story: Timo’s church win—his 3-year-old rallied the family—mirrors crypto’s organic growth. My daughter’s photoshoot joy? Like spotting crypto dips early.

Takeaway: Crypto isn’t gambling; it’s a new asset class since equities 500 years ago. With Trump’s pro-crypto stance, 2025 could explode.

Actionable Tips: Small Steps for Dads

Dads, Timo and I aren’t giving financial advice—this is education. Here are seven small steps to engage crypto and improve your family’s future:

Educate Daily: Spend 15 minutes on Raoul Pal’s Real Vision (free content). Understand blockchain basics—no overwhelm.
Platform Dive: Download Robinhood or Uphold. Explore XRP/DAG interfaces—don’t invest yet, just learn.
Follow Experts: Watch Blockchain Backer on YouTube. As a dad-turned-trader, he simplifies XRP/Bitcoin for beginners.
Community Connect: Email Timo or me (links below). Join dad-crypto chats—start with one question weekly.
Test Small: Invest $50 in XRP/Bitcoin. Track via app—build habit without risk.
Monitor News: Follow @saylor or @Ripple on X. Check Genius Act updates for stablecoin impacts.
Pray & Reflect: End days with the Prayer of Jabez: “Bless me, expand my territory, guide me, keep from evil.” Align crypto with family goals.

Conclusion: Realty Meets Reality—Act Now

Dads, real estate’s tough, currency’s shifting, but crypto offers a path to family prosperity. Timo’s insights—from wage stagnation to XRP rails—show adaptation is key. My real estate climb worked pre-2025; now, diversify into Web3. Timo’s family church win reminds us: small steps build big change. Subscribe for weekly talks—next with Trent on DeFi. What’s your first step? Comment below!

Chapters:0:00 - Intro & Realty Chaos 3:31 - Real Estate Analysis 8:38 - Wages vs Assets 10:04 - Crypto Escape 12:43 - Nostro Vostro Explained 15:55 - Currency Risks 17:42 - Crypto Networks 24:29 - Dad Wins 27:19 - Prayer Close

Follow Timo: Timo's X https://x.com/Swami_Br0

#DadLedger #RealEstate2025 #CryptoBoom #CurrencyCrisis #XRP #Bitcoin #Stablecoins #DeFi #FamilyWealth #DadLife

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