*Not financial advice*
If you're starting with NO Bitcoin stack, at age 25, and expect to retire either now, in 5 years, or in 10 years on today's equivalent of $100k/year:
- You'd need 7.9 BTC today, which is essentially unachievable for most people's DCA plans
- You'd need 3.73 BTC to retire at 30, which would require an average DCA of $16,800/month for 5 years
- To retire at 35, 2.22 BTC is needed which would require about $7,800/month to achieve within 10 years.
- - -
TAKEWAY: TIME is the biggest lever you have. Pushing retirement back just 10 years cuts the stack you need by ~72% (7.9 BTC down to 2.22), AND takes the monthly DCA from impossible to ~$7,800.
The earliest buys do the most work too - on this power law path, your first year of DCA stacks more BTC than years 5 through 10 combined.
Stack early, stack hard.