Start at 32, Retire at 60
28 years of accumulation. Standard diversified allocation.
Accumulation
28 years
age 32 → 60
Portfolio at Retirement
$10.0M
Power Law model
Monthly Budget
$11,440
at retirement
Sustainable?
Yes
through age 85
Strategy Comparison
| Strategy | Portfolio at 60 | Sustainable? |
|---|---|---|
| Default (diversified) | $10.0M | Yes |
| Aggressive (100% BTC DCA) | $23.3M | Yes |
| Traditional 60/40 | $2.4M | No |
What If You Shifted Retirement?
| Retire at | Years | Portfolio | Sustainable? |
|---|---|---|---|
| 55 | 23 | $5.4M | Yes |
| 60 ★ | 28 | $10.0M | Yes |
| 65 | 33 | $17.6M | Yes |
Portfolio Growth Projection
Portfolio Comparison
Model Comparison
| Model | Portfolio at Retirement | Monthly Budget (inflation-adj.) | Sustainable? | Depletion Age | Max Expenses |
|---|---|---|---|---|---|
| Power Law | $10.0M | $11K | Yes | — | $325K/yr |
| CAGR 20% | $8.1M | $11K | Yes | — | $439K/yr |
| Traditional 60/40 | $2.4M | $11K | No | 81 | $53K/yr |
Decade Summary
| Age | Year | Stocks | Bonds | BTC | Other | Total | BTC Amount | BTC Price |
|---|---|---|---|---|---|---|---|---|
| 32 | 2026 | $50K | $20K | $10K | $0 | $80K | 0.149419 BTC | $135K |
| 42 | 2036 | $189K | $98K | $454K | $71K | $813K | 0.264761 BTC | $1.7M |
| 52 | 2046 | $519K | $236K | $2.8M | $212K | $3.7M | 0.282590 BTC | $9.8M |
| 60★ | 2054 | $893K | $404K | $8.3M | $397K | $10.0M | 0.286697 BTC | $29.0M |
| 62 | 2056 | $690K | $437K | $10.6M | $438K | $12.2M | 0.286697 BTC | $37.0M |
| 72 | 2066 | $0 | $0 | $31.0M | $83K | $31.1M | 0.286697 BTC | $108.1M |
| 82 | 2076 | $0 | $0 | $72.4M | $0 | $72.4M | 0.272118 BTC | $266.1M |
| 85 | 2079 | $0 | $0 | $91.4M | $0 | $91.4M | 0.268972 BTC | $339.7M |
28 Years: From 32 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 28 years of accumulation starting at 32, the Power Law model projects a portfolio of $10.0M 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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