Nobody Understands Fixed Income (But Every Boomer Buys It)

A Layman’s Guide to Bonds, Bitcoin, and What Comes Next

Let’s start with a little confession: most people who own fixed-income products have no idea what they actually own.

Yet, across generations, especially among Boomers, they keep buying them. Municipal bonds, corporate bonds, preferred shares, annuities, bond funds, you name it.

Why? Because they promise safety, stability, and yield. But here’s the controversial truth:

Fixed income isn’t “safe.” It’s just complicated in a way that looks safe until it isn't.

And now, in 2025, a new breed of fixed-income products is emerging—ones backed not by governments or blue-chip corporations but by Bitcoin.

Yes, that “volatile internet money” that most financial advisors still can’t explain is now collateral for income-generating securities, and nothing is selling faster on Wall Street this month, so rest assured, it will be coming to an advisor conversation near …