What is the minimum amount of bitcoins a poor person should have? and the minimum time it should be Hold/retained?
much like fiat.. people should have 3 separate limits
A. save enough to have a (1 month) non paycheque-to-paycheque rainy day/emergency expense budget (spend as you please once profitable)
B. save enough to have 6-12month unemployment period survival fund(save for times when there is no income coming in for many months)
C. invest enough for a peaceful 20 year retirement lifestyle(sont touch for decades)
usually people can only
afford to put aside X%.. EG: 8% of income takes them 12months just to accumulate 1 month of (A) when poor
(B) can take half a dozen years to accumilate to ensure they can survive if made unemployed
(C) can take(depending on age) 50 years of hoarding to then look after them(after cumulative interest) for 20 years
also peoples level of "poor" is different per nation.. a US/UK is poor at $£7/hour income.. someone in 3rd world countries deem it $£0.15/hour
so the amounts are subjective
..
dont think that you must save like crazy into one pot/address and then only spend when your grandkids are born.
just save what you can afford and split it into 3 addresses which you only spend on 3 different conditions
when you first save. put post into address(A) to look after you sooner for short term emergency
then address B then address C
EG
initially A 70% B 20% C 10% (if income affordability to invest is 8% of monthly income: A: 5.6%m.i B:1.6%m.i C.0.8%m.i)
once you accumulated enough in A to look after you for a month.. it becomes
B 70% C 30% (if income affordability to invest is 8% of monthly income: B: 5.6%m.i C.2.4%m.i)
once you accumulated enough in B to look after you for 12 month.. it becomes
C 100% (8%m.i)
no one can say what amount. because each nation has different living costs so most people have different ranges of fiat-amount vs sats