Start at 45, Retire at 60(All-in Bitcoin DCA)

15 years of accumulation. All savings into Bitcoin.

Accumulation

15 years

age 45 → 60

Portfolio at Retirement

$3.2M

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	$578K	No

What If You Shifted Retirement?

Retire at	Years	Portfolio	Sustainable?
55	10	$1.1M	Yes
60 ★	15	$3.2M	Yes
65	20	$7.6M	Yes

Portfolio Growth Projection

Portfolio Comparison

Model Comparison

Model	Portfolio at Retirement	Monthly Budget (inflation-adj.)	Sustainable?	Depletion Age	Max Expenses
Power Law	$3.2M	$8K	Yes	—	$209K/yr
CAGR 20%	$2.0M	$8K	Yes	—	$163K/yr
Traditional 60/40	$578K	$8K	No	66	$20K/yr

Decade Summary

Age	Year	Stocks	Bonds	BTC	Other	Total	BTC Amount	BTC Price
45	2026	$0	$0	$10K	$0	$10K	0.149419 BTC	$135K
55	2036	$0	$0	$1.2M	$0	$1.2M	0.703061 BTC	$1.7M
60★	2041	$0	$0	$3.2M	$0	$3.2M	0.727150 BTC	$4.4M
65	2046	$0	$0	$6.3M	$0	$6.3M	0.641929 BTC	$9.8M
75	2056	$0	$0	$21.0M	$0	$21.0M	0.566931 BTC	$37.0M
85	2066	$0	$0	$58.0M	$0	$58.0M	0.536485 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 $3.2M by age 60. This comfortably sustains $60K/year expenses through age 85.

The aggressive all-in Bitcoin strategy concentrates all savings into BTC. This maximizes upside under optimistic models but carries significant concentration risk. Compare with the diversified default scenario to see the trade-off.

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