If you want to use bitcoin, you have to acquire it somehow - you can exchange other money for BTC or you can earn it by selling goods & services.
WARNING: do not lend more BTC than you are willing to lose!
Remember - not your keys, not your bitcoin! Self directed IRAs allow you to hold your private keys, but they're a bit tricker to set up than a normal IRA. If you merely want financial exposure to BTC in a retirement account then the easiest option is for you to buy a synthetic asset like GBTC, QBTC, or CXBTF.
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