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Question: Survey : How much btc do you need for retirement?
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Author Topic: Survey : How much btc do you need for retirement?  (Read 1875 times)
Becassine (OP)
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February 01, 2025, 04:15:39 PM
 #1

Depending on your age, the size of your family, inflation, the country you live in and, of course, without knowing what the btc will worth in 10, 20 or 30 years, how many btc do you estimate you'll need to secure your retirement without the help of the state, private insurance or your family?

Do you think this is an achievable goal?

I'd like to have 10, but I know that's impossible, even if I have no idea what the btc will be in 10 or 20 years.

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February 01, 2025, 04:33:03 PM
 #2

Do you mean how many Bitcoins to keep them invested generating passive income, or to hold them inside a hardware wallet, using them along the years after retirement, until they finish?

Let's consider the second case. It's hard to estimate an amount, because economy is out of control. Prices of goods and services are skyrocketing, while Bitcoin's price is pretty volatile. Talking about current rates, and what I consider to be a comfortable life for a person alone, each Bitcoin would last for about 36 months, so let's say 3 years.

For how long does a retired person is likely to live? Another 15 or 20 years? Then I would need 6 pieces of Bitcoin.

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February 01, 2025, 05:00:11 PM
 #3

Those who are retiring in next one or two years are in better position to answer this question, since they know there retirement date with idea of bitcoin price. But it's difficult for those people to answer this question who are retiring after 15 or more years. At the time of retirement we are old and need finances to cover our medical bills, pay children higher education and more. I can say I have 15 to 20 more years to work before getting retired and I am not sure what will be price of Bitcoin at that time. But if I am retiring in current year with Bitcoin price of 100k then for me 2 Bitcoin will be good enough to live rest of my life.  

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February 01, 2025, 06:25:50 PM
 #4

I’d say it’s tough to figure out exactly how much you’d need. Bitcoin’s price is all over the place, and there’s a lot that could change in the next decade or two. If I had to guess, I’d want enough to cover at least 10–15 years of decent living. So, maybe around 5–6 BTC? That could change if Bitcoin sees a huge surge or crashes. If I were retiring now, though, I’d probably aim for about 2 BTC, assuming Bitcoin hits 100k by then. But honestly, it’s more about making sure you have enough to be comfortable and not rely on anything else.
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February 01, 2025, 06:28:31 PM
 #5

I think for me, 1 BTC is enough.

I can do a lot with that kind of money here in my country. Assuming that I already have the place and tools needed to be alive, the 1 btc is super enough to sustain me the rest of my life. Of course, there are also business that could help me sustain more and some investments that could help me through my retirement.

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February 01, 2025, 07:21:10 PM
 #6

Of course if I could have 10 BTC but rationally it is impossible to have if you look at the ability of myself then reaching 1 BTC is still possible to have and that is enough for retirement later.

Let's say in the next 20 years bitcoin can be more than $500K then it is more than enough for my country without any state assistance or insurance because the amount of money is very large.

If you choose 10 BTC then that's too much, so like I said - be realistic about this decision.

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February 01, 2025, 07:37:26 PM
 #7

Depending on your age, the size of your family, inflation, the country you live in and, of course, without knowing what the btc will worth in 10, 20 or 30 years, how many btc do you estimate you'll need to secure your retirement without the help of the state, private insurance or your family?

Do you think this is an achievable goal?

I'd like to have 10, but I know that's impossible, even if I have no idea what the btc will be in 10 or 20 years.

It could have been more helpful if we considered before now the salary received to be in bitcoin as well, but you can imagine that you will first have to convert your fiat you were given to bitcoin and then turn it to your pension fun, this will definitely require a huge sum of money from us because we are exchanging from fiat to bitcoin, also, the other aspect of it that is more interesting is the price of bitcoin in the nearest future, which will wholesomely turned a profitable decision, of course, everyone will like to take the large sum for his pension.

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February 01, 2025, 07:56:01 PM
 #8

Who can reach 100 BTC if they buy from now on? Except conglomerates. Grin

We won't know how much BTC is worth in the next 10 - 30 years maybe the price will be even higher... if we start from now to collect retirement then it will be quite difficult to 1 BTC if only relying on a fixed salary when still working... So my dream is to have more BTC, even 5 BTC is what I want... but I don't know if this will be achieved or not, I will just keep trying to collect it.

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February 01, 2025, 08:07:30 PM
Merited by The Sceptical Chymist (3)
 #9

Depends on too many factors to reach an exact number. The major factor will be years before retirement and the country one is living in. In many parts of the world 1BTC will be good enough for a comfortable retirement now, not to mention how much it can be worth in 10-30 years. In some others you may need to be aiming for at least 3 to consider yourself relatively secure.

Higher than 5BTC should be enough anywhere in the world and for anyone retiring in 5+ years.

- Jay -

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February 01, 2025, 08:07:42 PM
 #10

Depending on your age, the size of your family, inflation, the country you live in and, of course, without knowing what the btc will worth in 10, 20 or 30 years, how many btc do you estimate you'll need to secure your retirement without the help of the state, private insurance or your family?

Do you think this is an achievable goal?

I'd like to have 10, but I know that's impossible, even if I have no idea what the btc will be in 10 or 20 years.


For me, I also did love to have as from 10 up btc for retirement, and it doesn't matter what the price of bitcoin turn out to be in the future, but as long as the price remain above $100,000, I am very good.

At a hundred thousand dollar, 10 or more bitcoin will be worth a million dollars or more, this is enough for me to have a good retirement with my wife, set up companies and have trusted people run it for me, money made from this companies can be invested back in bitcoin to further increase my bitcoin stash and as well as add to my retirement funds, life is actually good when there is money  😊
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February 01, 2025, 08:35:25 PM
 #11

Actually yes 10 btc is unrealistic if it continues to rise, but since I'm terrible at math and don't feel like having fiats anymore, I'd rather consider how much it would take to live off retirement first and make a guesstimate of btc. Let's pick a 20-year period, for example.

I took two 10-year periods, the first with a minimum income of 2,500 euros a month (i.e. 300,000 euros) and another of 3,000 euros a month for 10 years as well (360,000 euros).

In 20 years, that makes a total of 660,000 euros. This is the minimum income for a single person living in France. In the end, these staggering amounts can be even more so in large cities.

So if BTC reaches a million, that's more than enough, although you still need to be able to resell your satoshis. And that's no easy task.
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February 01, 2025, 08:52:34 PM
 #12

100 BTC is what having though I know that it's very hard to achieve such volume of Bitcoin but based on the survey I have to choose that of 100 Bitcoin as I know there are lot of things to be achieved in life, and also considering my age 100 Bitcoin is fair enough to have before I get my 90-100 years time and having 100 Bitcoin can real sustain me depending on the price of Bitcoin in the future.
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February 01, 2025, 08:54:13 PM
 #13

Depending on your age, the size of your family, inflation, the country you live in and, of course, without knowing what the btc will worth in 10, 20 or 30 years, how many btc do you estimate you'll need to secure your retirement without the help of the state, private insurance or your family?

Do you think this is an achievable goal?

I'd like to have 10, but I know that's impossible, even if I have no idea what the btc will be in 10 or 20 years.
Considering the situation in my country, I would say that with 1 Bitcoin, I would be able to live a normal life. However, the economic situation in my country is very bad and due to the rising prices of goods, it may be difficult for me to live on 1 Bitcoin after retirement. However, if one Bitcoin is worth 250k dollars after 10 years, then it should not be a problem. I will try to spend my next life by selling my Bitcoin after ten years and putting it in a fixed deposit in the bank.
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February 01, 2025, 08:55:39 PM
 #14

I think 1 Bitcoin is already a huge capital. We must not forget that people constantly lose access to their private keys. There can be different reasons - a technical error, force majeure, bad memory, imprisonment, death, and so on.

Each lost Bitcoin forever increases the value of those coins that remain in circulation. The price of Bitcoin will grow over time.

Even in the current bull period, I expect the price to be $ 200,000. This is quite enough to live comfortably for many years.

Of course, I would like to have more coins. After all, a bull period always follows a bear period. However, in my opinion, even one Bitcoin is a great result. I would like to own 1 Bitcoin! And 2 Bitcoins - even better!

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nakamura12
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February 01, 2025, 09:10:49 PM
 #15

I think 1 BTC is enough for me. That amount of money when 1 btc is sold and converted to fiat money that is used in my country is that it can sustain me and my family for many years if not lifetime and even if it is also used to pay for the place I will live or stay is it is still enough to last a long time with family and if it's only me then it may be enough to sustain me for a long time. I am sure you know that for other people that 1 BTC won't last very long.

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Btcdeybodi
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February 01, 2025, 09:24:40 PM
 #16

Depending on your age, the size of your family, inflation, the country you live in and, of course, without knowing what the btc will worth in 10, 20 or 30 years, how many btc do you estimate you'll need to secure your retirement without the help of the state, private insurance or your family?

Do you think this is an achievable goal?

I'd like to have 10, but I know that's impossible, even if I have no idea what the btc will be in 10 or 20 years.

10 BTC is quite a huge amount in my country and most people even leave their entire life without securing an amount worth 1 BTC not to talk of 10 BTC. For me, 10 BTC is unrealistic for me considering how much i DCA every month. Though am still young of which it will take me like 30 years to reach my retirement age and i don't know if i will still have a stable job to keep DCAing in the future but let me not be greedy. I can own up to 5 BTC before my retirement age, it can still be more than that but since i will also be using part of my money to invest on real life assets, i may or may not exceed my target of 5 BTC before my retirement. And this will be on the ground of consistent DCA, but if peradventure due to unforeseen circumstances in the future that may cause me to pause my DCAing at some point, i might not own up to that 5 BTC.

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February 01, 2025, 09:41:16 PM
 #17


I'd like to have 10, but I know that's impossible, even if I have no idea what the btc will be in 10 or 20 years.


Why are you limiting the possibility of you having 10btc in the future. C'mon I would advise you to stay positive 🤑🤑 because you don't know what's ahead of you in the near future although I believe you talking base on stats and your portfolio strength now. Well for me I think i will also go for 10 BTC for retirement, base on the kind of responsibility and things to achieve that I have on my bucket list 😁😁.

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February 01, 2025, 10:01:44 PM
 #18


I'd like to have 10, but I know that's impossible, even if I have no idea what the btc will be in 10 or 20 years.


Why are you limiting the possibility of you having 10btc in the future. C'mon I would advise you to stay positive 🤑🤑 because you don't know what's ahead of you in the near future although I believe you talking base on stats and your portfolio strength now. Well for me I think i will also go for 10 BTC for retirement, base on the kind of responsibility and things to achieve that I have on my bucket list 😁😁.

No I realized after writing that's not possible, it was only a dream, but dreaming is still allowed  Cheesy
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February 01, 2025, 10:33:39 PM
Merited by Cryptomultiplier (1)
 #19

Do you think this is an achievable goal?

I'd like to have 10, but I know that's impossible, even if I have no idea what the btc will be in 10 or 20 years.

Do not say something is impossible when you have it in mind to do it before the power of negativity becomes a barrier for you to not be capable of achieving that dream of yours. I also have a dream of having atleast 10 Bitcoin. I would not say it is impossible for me to have but I know it will be very challenging because of the price of Bitcoin but I can work towards achieving it even though it takes more than 10 years. The goal is for Bitcoin to help me when I am retired and I would not be retiring anytime soon therefore I still have enough time to continue to accumulate Bitcoin and that is what I will be doing. I can do more jobs to gather more money to keep buying Bitcoin and I can take profits at times to buy more amounts later.

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avp2306
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February 01, 2025, 10:45:50 PM
 #20

Depending on your age, the size of your family, inflation, the country you live in and, of course, without knowing what the btc will worth in 10, 20 or 30 years, how many btc do you estimate you'll need to secure your retirement without the help of the state, private insurance or your family?

Do you think this is an achievable goal?

I'd like to have 10, but I know that's impossible, even if I have no idea what the btc will be in 10 or 20 years.



Better to check first what is your plan after you accumulate that volume since even how huge the money you have accumulated and total volume of Bitcoins gain still all of that will be vanished if mishandled also if you don't have other source of income to get when you decide to retire.

So better get a lot of volume as you can then find other alternative which needs less efforts but can generate you a good income flow. What I'm thinking about right now is to buy some properties aside from saving Bitcoin then create a for rent establishment business since we can possibly get a passive income with this option.

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