Retired Blog

Retired Blog

Notes on calm software, building Retired Today, and using simple tools to live a simpler life.

TopicAllbehavioural-financebehind-the-scenescandleschart-patterncryptodisciplinefinanceproductivityregulationrisk-managementsoftwaretaxtradingtrading-psychology

MiCA, the EU's crypto regulation — what it actually changed

MiCA is now in full effect across all 27 EU member states. What it actually requires of exchanges and stablecoins, and how member-state tax treatment of crypto still varies widely.

cryptoregulationfinance

Australia's 12-month CGT discount and the ATO's crypto framework

How the Australian Tax Office treats crypto — capital gains tax, the 50% discount for assets held over 12 months, the personal-use asset exception, and what data exchanges share with the ATO.

cryptotaxregulation

Japan's crypto tax framework — why gains can be taxed at up to 55%

Japan taxes crypto gains as miscellaneous income, with progressive national and local rates topping out near 55%. How the framework works and why it shapes Japanese crypto trading.

cryptotaxregulation

Why Turks use crypto as a lira-hedge — and how the rules treat it

Turkey has one of the world's highest crypto adoption rates because the lira loses value faster than most fiats. How the hedge works, what's legal, and where BTCTurk + Bitlo fit in.

cryptofinanceregulation

India's 30% crypto tax and 1% TDS — how the rules actually work

India taxes crypto gains at a flat 30% and 1% TDS on every transaction above ₹10,000. How the rules work and why the framework reshaped the Indian crypto market.

cryptotaxregulation

Brazil's R$35,000 monthly crypto tax exemption — how it actually works

Brazilian residents can sell up to R$35,000 of crypto per month tax-free. How the exemption works, what counts, and how to calculate gains in BRL when you owe.

cryptotaxregulation

How Russia's crypto market reorganized after 2022 sanctions

Why Russian BTC, ETH, SOL, and XRP trading shifted from centralized exchanges to P2P, OTC, and mining-as-payment rails after 2022 — and how RUB pricing fragmented across venues.

cryptoregulationfinance

Ethereum tax in the UK — what HMRC actually wants

How HMRC treats ETH for capital gains and income tax — the £3,000 annual allowance, staking rewards, crypto-to-crypto disposals, and what the data-sharing agreements with exchanges actually cover.

cryptofinanceregulation

How to buy Bitcoin in Indonesia in 2026

A practical guide to buying BTC, ETH, SOL, and XRP in Indonesia — Bappebti-licensed exchanges, the 0.21% tax, and bank rails that actually work.

cryptoregulation