Start at 25, Retire at 65
40 years of accumulation. Standard diversified allocation.
Accumulation
40 years
age 25 → 65
Portfolio at Retirement
$35.8M
Power Law model
Monthly Budget
$16,310
at retirement
Sustainable?
Yes
through age 85
Strategy Comparison
| Strategy | Portfolio at 65 | Sustainable? |
|---|---|---|
| Default (diversified) | $35.8M | Yes |
| Aggressive (100% BTC DCA) | $88.7M | Yes |
| Traditional 60/40 | $6.6M | Yes |
What If You Shifted Retirement?
| Retire at | Years | Portfolio | Sustainable? |
|---|---|---|---|
| 60 | 35 | $21.7M | Yes |
| 65 ★ | 40 | $35.8M | Yes |
| 70 | 45 | $56.7M | Yes |
Portfolio Growth Projection
Portfolio Comparison
Model Comparison
| Model | Portfolio at Retirement | Monthly Budget (inflation-adj.) | Sustainable? | Depletion Age | Max Expenses |
|---|---|---|---|---|---|
| Power Law | $35.8M | $16K | Yes | — | $756K/yr |
| CAGR 20% | $62.3M | $16K | Yes | — | $2.4M/yr |
| Traditional 60/40 | $6.6M | $16K | Yes | — | $117K/yr |
Decade Summary
| Age | Year | Stocks | Bonds | BTC | Other | Total | BTC Amount | BTC Price |
|---|---|---|---|---|---|---|---|---|
| 25 | 2026 | $50K | $20K | $10K | $0 | $80K | 0.149419 BTC | $135K |
| 35 | 2036 | $189K | $98K | $454K | $71K | $813K | 0.264761 BTC | $1.7M |
| 45 | 2046 | $519K | $236K | $2.8M | $212K | $3.7M | 0.282590 BTC | $9.8M |
| 55 | 2056 | $1.3M | $473K | $10.6M | $474K | $12.9M | 0.287747 BTC | $37.0M |
| 65★ | 2066 | $2.7M | $850K | $31.3M | $929K | $35.8M | 0.289694 BTC | $108.1M |
| 75 | 2076 | $1.9M | $1.3M | $77.1M | $1.5M | $81.8M | 0.289694 BTC | $266.1M |
| 85 | 2086 | $0 | $870K | $167.5M | $2.5M | $170.8M | 0.289694 BTC | $578.1M |
40 Years: From 25 to Retired at 65
The difference between retiring at 65 and 70isn'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 40 years of accumulation starting at 25, the Power Law model projects a portfolio of $35.8M by age 65. This comfortably sustains $60K/year expenses through age 85.
This is not financial advice. Past performance does not guarantee future results.
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