Start at 45, Retire at 60

15 years of accumulation. Standard diversified allocation.

Accumulation

15 years

age 45 → 60

Portfolio at Retirement

$1.7M

Power Law model

Monthly Budget

$7,790

at retirement

Sustainable?

Yes

through age 85

Strategy Comparison

Strategy	Portfolio at 60	Sustainable?
Default (diversified)	$1.7M	Yes
Aggressive (100% BTC DCA)	$3.2M	Yes
Traditional 60/40	$651K	No

What If You Shifted Retirement?

Retire at	Years	Portfolio	Sustainable?
55	10	$692K	Yes
60 ★	15	$1.7M	Yes
65	20	$3.6M	Yes

Portfolio Growth Projection

Portfolio Comparison

Model Comparison

Model	Portfolio at Retirement	Monthly Budget (inflation-adj.)	Sustainable?	Depletion Age	Max Expenses
Power Law	$1.7M	$8K	Yes	—	$110K/yr
CAGR 20%	$1.0M	$8K	Yes	—	$82K/yr
Traditional 60/40	$651K	$8K	No	67	$22K/yr

Decade Summary

Age	Year	Stocks	Bonds	BTC	Other	Total	BTC Amount	BTC Price
45	2026	$50K	$20K	$10K	$0	$80K	0.149419 BTC	$135K
55	2036	$189K	$98K	$454K	$71K	$813K	0.264761 BTC	$1.7M
60★	2041	$202K	$150K	$1.2M	$123K	$1.7M	0.275004 BTC	$4.4M
65	2046	$0	$0	$2.6M	$0	$2.6M	0.269785 BTC	$9.8M
75	2056	$0	$0	$7.2M	$0	$7.2M	0.194787 BTC	$37.0M
85	2066	$0	$0	$17.8M	$0	$17.8M	0.164341 BTC	$108.1M

15 Years: From 45 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 15 years of accumulation starting at 45, the Power Law model projects a portfolio of $1.7M by age 60. This comfortably sustains $60K/year expenses through age 85.

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