Start at 20, Retire at 40(All-in Bitcoin DCA)
20 years of accumulation. All savings into Bitcoin.
Accumulation
20 years
age 20 → 40
Portfolio at Retirement
$7.6M
Power Law model
Monthly Budget
$9,031
at retirement
Sustainable?
Yes
through age 85
Strategy Comparison
| Strategy | Portfolio at 40 | Sustainable? |
|---|---|---|
| Default (diversified) | $3.6M | Yes |
| Aggressive (100% BTC DCA) | $7.6M | Yes |
| Traditional 60/40 | $1.1M | No |
What If You Shifted Retirement?
| Retire at | Years | Portfolio | Sustainable? |
|---|---|---|---|
| 35 | 15 | $3.2M | Yes |
| 40 ★ | 20 | $7.6M | Yes |
| 45 | 25 | $15.7M | Yes |
Portfolio Growth Projection
Portfolio Comparison
Model Comparison
| Model | Portfolio at Retirement | Monthly Budget (inflation-adj.) | Sustainable? | Depletion Age | Max Expenses |
|---|---|---|---|---|---|
| Power Law | $7.6M | $9K | Yes | — | $323K/yr |
| CAGR 20% | $5.4M | $9K | Yes | — | $367K/yr |
| Traditional 60/40 | $1.1M | $9K | No | 50 | $22K/yr |
Decade Summary
| Age | Year | Stocks | Bonds | BTC | Other | Total | BTC Amount | BTC Price |
|---|---|---|---|---|---|---|---|---|
| 20 | 2026 | $0 | $0 | $10K | $0 | $10K | 0.149419 BTC | $135K |
| 30 | 2036 | $0 | $0 | $1.2M | $0 | $1.2M | 0.703061 BTC | $1.7M |
| 40★ | 2046 | $0 | $0 | $7.6M | $0 | $7.6M | 0.771329 BTC | $9.8M |
| 50 | 2056 | $0 | $0 | $25.7M | $0 | $25.7M | 0.696331 BTC | $37.0M |
| 60 | 2066 | $0 | $0 | $72.0M | $0 | $72.0M | 0.665885 BTC | $108.1M |
| 70 | 2076 | $0 | $0 | $173.1M | $0 | $173.1M | 0.650572 BTC | $266.1M |
| 80 | 2086 | $0 | $0 | $370.9M | $0 | $370.9M | 0.641638 BTC | $578.1M |
| 85 | 2091 | $0 | $0 | $524.3M | $0 | $524.3M | 0.638454 BTC | $821.2M |
20 Years: From 20 to Retired at 40
The difference between retiring at 40 and 45isn't just 5 more years of work — it's 5 fewer years of portfolio growth AND 5 more years of withdrawals. That double impact makes each year of earlier retirement exponentially more expensive.
With 20 years of accumulation starting at 20, the Power Law model projects a portfolio of $7.6M by age 40. This comfortably sustains $60K/year expenses through age 85.
The aggressive all-in Bitcoin strategy concentrates all savings into BTC. This maximizes upside under optimistic models but carries significant concentration risk. Compare with the diversified default scenario to see the trade-off.
This is not financial advice. Past performance does not guarantee future results.
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