Start at 40, Retire at 45

5 years of accumulation. Standard diversified allocation.

Accumulation

5 years

age 40 → 45

Portfolio at Retirement

$214K

Power Law model

Monthly Budget

$5,796

at retirement

Sustainable?

depleted at 49

Strategy Comparison

Strategy	Portfolio at 45	Sustainable?
Default (diversified)	$214K	No
Aggressive (100% BTC DCA)	$205K	No
Traditional 60/40	$125K	No

What If You Shifted Retirement?

Retire at	Years	Portfolio	Sustainable?
45 ★	5	$214K	No
50	10	$692K	No

Portfolio Growth Projection

Portfolio Comparison

Model Comparison

Model	Portfolio at Retirement	Monthly Budget (inflation-adj.)	Sustainable?	Depletion Age	Max Expenses
Power Law	$214K	$6K	No	49	$29K/yr
CAGR 20%	$146K	$6K	No	48	$18K/yr
Traditional 60/40	$125K	$6K	No	47	$6K/yr

Decade Summary

Age	Year	Stocks	Bonds	BTC	Other	Total	BTC Amount	BTC Price
40	2026	$50K	$20K	$10K	$0	$80K	0.149419 BTC	$135K
45★	2031	$17K	$47K	$126K	$24K	$214K	0.225972 BTC	$555K
50	2036	$0	$0	$0	$0	$0	0.000000 BTC	$1.7M
60	2046	$0	$0	$0	$0	$0	0.000000 BTC	$9.8M
70	2056	$0	$0	$0	$0	$0	0.000000 BTC	$37.0M
80	2066	$0	$0	$0	$0	$0	0.000000 BTC	$108.1M
85	2071	$0	$0	$0	$0	$0	0.000000 BTC	$172.7M

5 Years: From 40 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 5 years of accumulation starting at 40, the Power Law model projects a portfolio of $214K by age 45. However, this may not sustain $60K/year expenses long-term — the portfolio depletes at age 49.

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