LTCUSD
Litecoin / United States dollar
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In my HCOL area, buy-in to a high-end CCRC with a lifetime care contract costs about $800k. Monthly expenses would be e about 1% of that, in addition to the buy-in. I think about 30% of the buy-in fee counts as LTC insurance and is tax deductible to the extent it exceeds 7.5% of income.
Many/most CCRCs have a wait-list. Some as long as years.

You have money to pay current medical expenses out of pocket. Or to use the HSA directly. You are specifically the kind of person who has enough money to pay for medical expenses out of pocket regardless of the HSA, because thats what you just said.
Every time you have a medical expense is an opportunity to do an immediate penalty free withdrawal from your HSA. This is true regardless of you using your credit card or the HSA. You could use a rewards card and immediately reimburse the receipt, its the same thing as using the HSA card. And then you, being that you already can afford medical expenses, can fund a brokerage account 'using' the HSA reimbursement. Because how else are you able to pay for the medical expenses out of pocket?
Heres another way to conceptualize it.
Say you put money into a traditional IRA and get the tax deduction on current income for the contribution. What if you could immediately withdraw the IRA contribution without an early withdrawal penalty or paying ordinary income tax on any gains? Then you have the money available to use or invest, and if you invested you just owe capital taxes instead of ordinary income taxes. Essentially funding a brokerage account without paying taxes on the money you contribute into the brokerage.
Using the HSA for current medical expenses *is exactly what the above paragraph is doing*.
The HSA is functionally a traditional IRA that also gets the benefit of a Roth specifically for medical expenses. *This is always true*. Its not something you have to wait for, because whenever there is a medical expense you can immediately use the Roth withdrawal component. That is what using the HSA for current expenses does for someone in your situation who does not specifically need the HSA money to just be able to afford medical expenses.
Also, you cannot guarantee that there will be nothing left in the HSA to inherit. Long term care is expensive but you may not need LTC, or you could die before exhausting the funds.
Use your own numbers and receipts. Create a spreadsheet and see what the difference is.
I am not claiming that you would end up with more money by taking money out of the HSA. I am saying that the opportunity cost between taking the tax-free distribution now vs waiting later is not that large of a difference in exchange for much more flexibility in being able to do anything you want with the money.

Worst idea ever. Will kill off all ALTs. Once known companies come out with their coins there will be no need for alts. Why buy LTC when you can buy Tesla coin? The market isn’t big enough to support everything. The new money will go to the known companies. We just got cut out and we are cheering about it.

I have/will have about 200k earmarked for various long term care options at the outset of retirement. It is/will be invested and I hope it will continue to grow until the time I might actually need it. I will also use my home equity if needed.
As a single person without children, I feel like setting aside money for LTC or specifically insuring for it is less urgent than it might be for married/partnered people or people with children. If I spend down all my money, I won't love it (I do have legacy goals and a niece in mind) but it would be okay if needed. And if I end up in something like memory care or a nursing home, I am not leaving a partner/spouse behind with their own household to maintain and separate financial needs. My long term care costs will be more than what I was spending to live independently, but not hugely more, all things considered.

I'm not understanding the point of your post either. In scenario A, are you *assuming* that person has enough money to fully fund their HSA, use it for current medical expenses, AND also invest the amount of each medical expense into a after-tax brokerage account? That's a big assumption for most people.
>This means that functionally, you are deciding whether or not to keep the HSA funds entirely invested pre-tax, or converting the HSA expenses into a post tax investment. Because thats the difference for someone who can choose to fund medical expenses in current dollars.
I don't understand how you are coming up with the post tax investment part of your thought experiment. If I decide to fully invest my HSA for long term tax-free growth, pay expenses out of pocket and save the receipts, how would I be converting the HSA expenses into a post tax investment?
>In scenario B, they pay out of pocket using current dollars and bank receipts. This means down the line, the HSA will have grown pre-tax, and they will reimburse for the *nominal value of their receipts*.
You keep saying "pre-tax" growth in your post, but it's tax-FREE growth. Yes, we will reimburse the value of past medical receipts, but we will also have CURRENT medical expenses in later years to use the HSA for. You might also want to look at the very long list of QME's that an HSA can be used for. It's quite extensive.
I've had an HSA since 2015 and have been saving receipts. I/we pay all medical expenses out of pocket using a cash-back rewards credit card. My HSA is worth almost 4X what I put into it out of pocket. We plan to reimburse ourselves for past expenses over time when we need some tax-free income in retirement, and we will also use it for current medical expenses in retirement and LTC if needed. So there definitely won't be anything left for our heirs to inherit.

Moves with Bitcoin, yes if you mean something like: BTC go up LTC goo down, and BTC go down LTC go down x3.

Litecoin is a weird one. It's volatile, it overreacts to everything Bitcoin does, and most people write it off as a boomer coin with no narrative. But that's exactly why it's interesting.
Despite all the noise, LTC has been quietly following the same accumulation/distribution loops for years. If you zoom out on the chart, the pattern becomes pretty obvious — accumulation tends to happen in the **$45–60** range, and the natural selling zone sits around **$105–120**. It's not guaranteed, nothing in crypto is, but for a coin that keeps getting written off, it keeps respecting those levels.
Right now we're sitting in what looks like an accumulation phase. If you follow Wyckoff methodology, it has the shape of **Phase C** — meaning we should expect shakeouts and the first signs of strength before any real markup begins. How long this lasts is anyone's guess, but here's the thing about accumulation: the longer it drags on, the more explosive the move tends to be when it finally breaks out.
As for comparisons — yes, LTC moves with Bitcoin, but it reacts with a much bigger swing. What's underrated though is that compared to Solana, XRP or ETH, it actually behaves more predictably. Less hype, less chaos, more range-bound movement you can actually plan around.
Not financial advice. But if you're looking for an altcoin with a readable structure and a historically consistent range — Litecoin is worth paying attention to

I had 2 BTC and sold it for LTC 2015 🤦‍♂️
I also spent the rest on weed 🤦‍♂️🤦‍♂️.

You only gotta trade the shit coins. Quality coins are buy and hold. I guess that's your answer why I didnt trade LTC, I was misguided and under the assumption it was a quality coin. The eth, BTC, xrp, and bnb I picked up back then are quality coins. LTC is the only shit coin that you gotta trade to make anything of it. Lesson learned.

LTC has been in accumulation for a long time so I hope you bought in

Appreciate the pushback bro but 4500 for LTC seems woaah. That price gives LTC a about 330 billion market cap bigger than everything except BTC and maybe ETH. Does Litecoin process even 10% of Bitcoin's transaction value? No.
The NVT ratio exists because market cap and transaction value often diverge. A high NVT suggests overvaluation, not undervaluation. You mentioned "transactional usage value" Did you multiply daily volume by 365 and divide by velocity? That method usually gives a much lower number. Also, "it always catches up" isn't evidence. Past performance doesn't guarantee future revaluation.

1 of the main reasons why I started buying and believing in LTC in 2017 was due to it having a limited supply.
As others have said, when exchanges aren't actually selling you real LTC, the true scarcity of LTC isn't felt, and is then it becomes not much different to the shenanigans that our current banking system operates on.
I love the idea of ETF's, but I believe the same principles apply to those, and price suppression would still happen.
This is obviously not a LTC issue, but rather an issue seemingly inherent to humans (at least legacy financial principles) and also a reason why today's world could never truly operate solely with a money as honest as LTC, BTC, gold, silver, etc...
Getting our LTC off exchanges is the only real way we can win this fight.

I just bought. That's probably why. Now how long until LTC hits $4500?

I'm holding on, but I'm losing hope. I haven't sold any of my LTC though.

I've been stacking BTC over the past three years.

It’s dead. Imagine buying LTC over tech stocks which have 5 years of astronomical growth left on the table. GL

Impossible, LTC is useless

If you own LTC and want it to go higher, pull your LTC off the exchange, as many exchanges will use YOUR LTC as collateral for short-sellers. By pulling it off the exchange you will force the exchange to actually build a position

LTC might be overvalued IMO. The total value of all LTC in circulation is growing faster than the actual amount of money moving through the network. Some signs also suggest that many holders are ready to cash out for a profit. Even so the network is still busy with over 237000 active addresses every day. But even if Litecoin were used solely for peer to peer payments, or in other words just for transactions, its price still cannot be zero or arbitrarily low without breaking security and usability. So value does matter. I also don't think it will be trading at its ATH. Maybe if Bitcoin were trading at $200000-$350000 but that's a different discussion 👽

🤦‍♂️ nothing will come of LTC been watching this since 2018. Use case is for transactions. If you want to hold for price increase BTC already exists.

OK, I pick LTC for optional privacy and XMR for real privacy.