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Obligatory Disclaimer: To modify a quote from Tim Ferris, “I am NOT a financial advisor, and none of this advice should be taken without speaking to a qualified professional first. Also, my results [are most likely] due to pure luck and zero skill.”

I hear it all the time — “It’s cool you got into crypto in the early stages, but Bitcoin is just too expensive now. I can’t afford to invest.”

This is one of the most ridiculous statements I hear about cryptocurrency and Bitcoin. Why? A few reasons:

People don’t realize that you don’t have to buy a full Bitcoin

Buying Bitcoin is nothing like going to the grocery store and buying a gallon of milk for $3.24. You either buy the gallon of milk, or you don’t buy one at all. You can’t buy $1 worth of milk. Not so with Bitcoin.

You don’t need to buy one full Bitcoin for $5,560.00 (price as of time of writing), and that’s a good thing. Most of us don’t have $5,560.00 just laying around to throw into a cryptocurrency. Only have $1? No problem. Just buy $1 worth of Bitcoin.

For those of us who are slightly OCD, it may be weird to own 0.9 Bitcoin; or, perhaps more realistically, 0.02 Bitcoin — around $100 worth. The important thing here is to overcome your OCD with this realization:

People need to think in terms of percentage gain, not in total price

This is fairly simple. I had several people tell me that Bitcoin was “too expensive” a few weeks back when it was worth ~$4,300. However, if you had put $100 in then, you would currently be sitting on a gain of 27%, which means you now are the proud owner of $127.

So you tell me — was buying into Bitcoin at $4,300 “too expensive?” Sure, your $100 would be worth way more than $127 if you had bought in when Bitcoin was worth $2,300 each. But you didn’t. So what are you going to do about that now? Sit on your $100 and complain that Bitcoin is too expensive?

What does “expensive” mean, anyway?

Bitcoin has been called “expensive” for years, and yet it has continued to defy expectations. It was “expensive” at $8. It was “expensive” at $1,000, and now it is “expensive” at $5,560.00.

If expensive merely means that the worth of one Bitcoin is a large sum of money, then yes — Bitcoin is expensive. However, if expensive means that the price is too high for you to make any gains from investing, you’re sadly mistaken.

I personally put $6,000 into Bitcoin when it was worth $4,300. Within two weeks I had gained $2,000. Traditional investors, or “old money,” haven’t gotten into Bitcoin yet. Few people have realized the immense potential of the world’s first cryptocurrency, but they will soon.

$6,000 could be “dirt cheap” by comparison in the next couple years. What if Bitcoin hits $12,000? That’s a 100% gain. By comparison, do you know what percentage gain to expect in a few years through the stock market? About 7%.

Yes, the price of Bitcoin could plummet. It could be a huge bubble like some people say. But then again, it could hit $100,000. With those two options, losing your $100 seems like a drop in the bucket compared to the $1,800 it’d be worth if the price of Bitcoin hit $100,000.

Bitcoin isn’t expensive. When you’re tempted to think so, just remember — you don’t have to buy one whole Bitcoin. You can buy $1 worth. Think about Bitcoin in terms of percentage gains, and define what you mean by “expensive.” Bitcoin may be worth investing in after all.