I’ve recently noticed an overlap among two communities: bitcoiners and members of the FIRE movement (Financial Independence Retire Early). While most prominent FIRE advocates are against Bitcoin, some FIRE members have been stacking sats and enjoying the acceleration in their saving plans.
For those, the central question became “how many bitcoin should I own to retire?” Several calculators exist to answer this question, all assuming you will generate retirement income by selling your BTC stack over time. (see: https://calc.bitcoineracademy.com/ or https://unchained.com/retirement-calculator/)
However, I’d like to offer a different perspective: you might never sell your bitcoins, and still be able to retire and leave most of your stack to your heirs. How is that even possible? Simple answer: rolling bitcoin-backed loans.
I've created a simulator that demonstrates how the total amount of BTC held as collateral for the loans decreases over time. The simulator currently models 5 years, but its timeframe can be easily extended.
https://docs.google.com/spreadsheets/d/1RHJzql3VMgSF_0WR5u0FtFgzZXTOe1eMjKSQaDccR5g/edit?usp=sharing
mbarulli / Marco Barulli
npub18n…25evl
2025-01-09 18:26:35
Author Public Key
npub18nagz6a53yh6d05e8trj487dhvyfhh4qchvsz87jqng4g4zl5tvs825evlPublished at
2025-01-09 18:26:35Event JSON
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"content": "I’ve recently noticed an overlap among two communities: bitcoiners and members of the FIRE movement (Financial Independence Retire Early). While most prominent FIRE advocates are against Bitcoin, some FIRE members have been stacking sats and enjoying the acceleration in their saving plans.\n\nFor those, the central question became “how many bitcoin should I own to retire?” Several calculators exist to answer this question, all assuming you will generate retirement income by selling your BTC stack over time. (see: https://calc.bitcoineracademy.com/ or https://unchained.com/retirement-calculator/)\n\nHowever, I’d like to offer a different perspective: you might never sell your bitcoins, and still be able to retire and leave most of your stack to your heirs. How is that even possible? Simple answer: rolling bitcoin-backed loans. \n\nI've created a simulator that demonstrates how the total amount of BTC held as collateral for the loans decreases over time. The simulator currently models 5 years, but its timeframe can be easily extended.\n\nhttps://docs.google.com/spreadsheets/d/1RHJzql3VMgSF_0WR5u0FtFgzZXTOe1eMjKSQaDccR5g/edit?usp=sharing",
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