The "Hack" of Retirement with Bitcoin

Most people think retirement is like this: save one million dollars, withdraw 4% per year, and hope the money lasts until you die.

That gives you $40,000 a year from a one million dollar portfolio. And you pray that inflation doesn't eat you alive.

But here’s the problem. You are liquidating assets every single year. You are paying taxes on those withdrawals. You interrupt the effect of compound interest forever. And you hope not to run out of money.

💥 The rich don’t do this. They use velocity.

Instead of selling assets, they take loans against them (using them as collateral). And with Bitcoin, the math gets really interesting.

Here’s how it works.

If you own $1 million in Bitcoin and borrow 15% of that amount, you get $150,000 in liquidity. Tax-free. No capital gains tax. And your Bitcoin continues to grow in the background.

Now, let’s say Bitcoin appreciates 30% that year. Your $1 million turns into $1.3 million. Your $150,000 debt now represents only 11.5% of your total. You just made money while living off borrowed capital.

Here’s the five-year projection:

Year 2: Bitcoin at $1.3M → loan of $195K → Bitcoin grows to $1.69M → total debt of $345K (LTV of 20%)

Year 5: Bitcoin at $3.7M → total debt ~$1.1M → LTV still below 30%

You are living off loans. Your Bitcoin never stops working. And as long as Bitcoin appreciates faster than your interest rate, you never need to pay the debt (just roll the loan).

This is what I call the 15% Rule of Bitcoin. And it changes everything.

So let’s make the comparison:

👉 Traditional 4% Rule: Needs $2.5M to generate $100K/year

🎁 15% Rule of Bitcoin: Needs $667K to generate $100K/year

That’s 73% less capital to achieve the same lifestyle.

👉 This is how you retire with Bitcoin without ever selling a single satoshi.