Start at 28, Retire at 60
32 years of accumulation. Standard diversified allocation.
Accumulation
32 years
age 28 → 60
Portfolio at Retirement
$15.8M
Power Law model
Monthly Budget
$12,875
at retirement
Sustainable?
Yes
through age 85
Strategy Comparison
| Strategy | Portfolio at 60 | Sustainable? |
|---|---|---|
| Default (diversified) | $15.8M | Yes |
| Aggressive (100% BTC DCA) | $37.8M | Yes |
| Traditional 60/40 | $3.4M | Yes |
What If You Shifted Retirement?
| Retire at | Years | Portfolio | Sustainable? |
|---|---|---|---|
| 55 | 27 | $8.9M | Yes |
| 60 ★ | 32 | $15.8M | Yes |
| 65 | 37 | $26.7M | Yes |
Portfolio Growth Projection
Portfolio Comparison
Model Comparison
| Model | Portfolio at Retirement | Monthly Budget (inflation-adj.) | Sustainable? | Depletion Age | Max Expenses |
|---|---|---|---|---|---|
| Power Law | $15.8M | $13K | Yes | — | $425K/yr |
| CAGR 20% | $15.8M | $13K | Yes | — | $758K/yr |
| Traditional 60/40 | $3.4M | $13K | Yes | — | $67K/yr |
Decade Summary
| Age | Year | Stocks | Bonds | BTC | Other | Total | BTC Amount | BTC Price |
|---|---|---|---|---|---|---|---|---|
| 28 | 2026 | $50K | $20K | $10K | $0 | $80K | 0.149419 BTC | $135K |
| 38 | 2036 | $189K | $98K | $454K | $71K | $813K | 0.264761 BTC | $1.7M |
| 48 | 2046 | $519K | $236K | $2.8M | $212K | $3.7M | 0.282590 BTC | $9.8M |
| 58 | 2056 | $1.3M | $473K | $10.6M | $474K | $12.9M | 0.287747 BTC | $37.0M |
| 60★ | 2058 | $1.3M | $524K | $13.4M | $535K | $15.8M | 0.288039 BTC | $46.6M |
| 68 | 2066 | $235K | $717K | $31.1M | $790K | $32.9M | 0.288039 BTC | $108.1M |
| 78 | 2076 | $0 | $0 | $76.1M | $0 | $76.1M | 0.285885 BTC | $266.1M |
| 85 | 2083 | $0 | $0 | $129.3M | $0 | $129.3M | 0.279207 BTC | $463.1M |
32 Years: From 28 to Retired at 60
The difference between retiring at 60 and 65isn'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 32 years of accumulation starting at 28, the Power Law model projects a portfolio of $15.8M by age 60. 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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