Could Less Than 1 Bitcoin Fund Your Retirement by 2035?
Let’s be honest—most of us daydream about quitting the grind sooner rather than later. And if you’ve been stacking bitcoin, that fantasy might not be as far off as you think. A researcher behind *Smitty’s Bitcoin Retirement Guide* recently crunched the numbers, suggesting that in many parts of the world, holding even a fraction of a single BTC could be enough to retire by 2035.
Of course, “enough” depends entirely on where you plan to live. The study highlights Burundi and Afghanistan as the cheapest options, where retiring might require less than 0.1 BTC. Though, admittedly, the trade-offs are… stark. We’re talking limited infrastructure, unreliable electricity—the kind of places where “off-grid living” isn’t a trendy choice but the default. Still, if your boss has pushed you to the brink, maybe roughing it sounds like a fair trade.
The High-Cost Exceptions
On the flip side, Monaco and Liechtenstein top the list for the most expensive retirement spots. If you’re aiming for a life of beachside cocktails and high-stakes blackjack, you’d better have at least seven bitcoins stashed away. That’s the kind of wealth that lets you rub shoulders with the ultra-rich—assuming you’re okay with the occasional Jeff Bezos sighting.
But before you start packing your bags, there’s a catch. These projections hinge on a few big assumptions.
The Fine Print
First, the model assumes the U.S. money supply (M2) keeps growing at 7% annually. Smitty notes this could introduce some error, especially when converting values across different currencies. “This will make a difference,” he admits, adding that future updates might adjust the figures.
Second, it presumes your yearly spending matches the average income in your chosen country—data pulled from *worlddata.info*. There’s also the small matter of lifespan: the calculations assume you’ll live to 100. If your family tree suggests otherwise, you might need to adjust your savings target.
Oh, and taxes? Those aren’t factored in at all. One sharp-eyed follower pointed out that local tax laws could throw a wrench in the plan, especially in places with strict capital gains rules. So if Kabul’s calling your name, you’d better do your homework first.
It’s an intriguing thought experiment, though. Maybe not airtight, but enough to make you wonder: *How much is “enough,” really?* And more importantly—where would *you* go?
