Trump OKs Bitcoin in 401(k)s: The Ownership Illusion You Didn’t See

Trump just opened the door for Bitcoin in 401(k)s, but here’s the catch: you may never actually own it.

Clinton Donnelly explains what this executive order really means, where the IRS tax traps are hidden, and why your “Bitcoin in retirement” may be an illusion.

👨‍⚖️ What you’ll learn:
• What Trump’s order allows and what it doesn’t
• Why Bitcoin withdrawals from 401(k)s always convert to fiat
• Why you can’t ever take Bitcoin “in kind” from a retirement plan
• Hidden rules: 5-year lock-ins, 10% early withdrawal penalties, required minimums
• Why your 401(k) Bitcoin is ultimately not your Bitcoin

If you thought putting Bitcoin in your 401(k) was a safe move, think again. Clinton breaks down the risks, the traps, and what you can do to protect yourself.

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Timestamps:
00:00 – Trump’s Executive Order: Bitcoin in 401(k)s
00:46 – Why you never truly own Bitcoin in a 401(k)
01:12 – How 401(k) contributions and withdrawals are taxed
01:45 – Will Bitcoin gains inside a 401(k) be taxed?
02:16 – Why your 401(k) Bitcoin is never in your name
02:58 – The traps: age limits, 5-year lock-ins, and IRS penalties
03:38 – Clinton’s view: why buying Bitcoin yourself is safer
04:02 – Final warning: government control and seizure risk
04:17 – Closing thoughts + Clinton’s advice on 401(k)s

#bitcoin #401k #irs

🎙️ About Clinton Donnelly
Clinton Donnelly, LLM, EA, founded CryptoTaxAudit.com, the leading crypto tax and IRS audit defense firm. Known as the “Crypto Tax Fixer,” he has helped thousands of U.S. investors file bulletproof crypto tax returns and defend against IRS scrutiny.

🏆 In 2025, CryptoTaxAudit was named Cryptocurrency Taxation Services of the Year by Financial Services Review.

Our team specializes in:
✅ Complex gain calculations and wallet tracking
✅ Expat and foreign disclosure compliance
✅ IRS audits, defense, and forensic strategies
✅ Audit-resistant crypto tax preparation

📬 Work with us:
👉 https://www.cryptotaxaudit.com/tax-prep-waiting-list

⚠️ NOTICE
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📜 Disclaimer: This video is for educational purposes only. Always consult a licensed tax professional before making financial or tax decisions.

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