Start at 38, Retire at 45

7 years of accumulation. Standard diversified allocation.

Accumulation

7 years

age 38 → 45

Portfolio at Retirement

$362K

Power Law model

Monthly Budget

$6,149

at retirement

Sustainable?

depleted at 53

Strategy Comparison

Strategy	Portfolio at 45	Sustainable?
Default (diversified)	$362K	No
Aggressive (100% BTC DCA)	$455K	No
Traditional 60/40	$199K	No

What If You Shifted Retirement?

Retire at	Years	Portfolio	Sustainable?
40	2	$65K	No
45 ★	7	$362K	No
50	12	$1.0M	Yes

Portfolio Growth Projection

Portfolio Comparison

Model Comparison

Model	Portfolio at Retirement	Monthly Budget (inflation-adj.)	Sustainable?	Depletion Age	Max Expenses
Power Law	$362K	$6K	No	53	$40K/yr
CAGR 20%	$242K	$6K	No	49	$26K/yr
Traditional 60/40	$199K	$6K	No	48	$8K/yr

Decade Summary

Age	Year	Stocks	Bonds	BTC	Other	Total	BTC Amount	BTC Price
38	2026	$50K	$20K	$10K	$0	$80K	0.149419 BTC	$135K
45★	2033	$41K	$63K	$219K	$38K	$362K	0.244273 BTC	$897K
48	2036	$0	$0	$290K	$0	$290K	0.168959 BTC	$1.7M
58	2046	$0	$0	$0	$0	$0	0.000000 BTC	$9.8M
68	2056	$0	$0	$0	$0	$0	0.000000 BTC	$37.0M
78	2066	$0	$0	$0	$0	$0	0.000000 BTC	$108.1M
85	2073	$0	$0	$0	$0	$0	0.000000 BTC	$206.1M

7 Years: From 38 to Retired at 45

The difference between retiring at 45 and 50isn'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 7 years of accumulation starting at 38, the Power Law model projects a portfolio of $362K by age 45. However, this may not sustain $60K/year expenses long-term — the portfolio depletes at age 53.

This is not financial advice. Past performance does not guarantee future results.