Need To Retire On Bitcoin? Here’s The Magic Number, Analyst Says

An analysis presented by a Bitcoin expert indicates a huge chunk of the currency is now required for retirement in the US. Based on a chart posted by the analyst, “apsk32,” the average American citizen would need around 30 BTC to live comfortably during their retirement.

The Rising Cost Of Bitcoin Retirement

Right now, Bitcoin’s worth makes this about $2.6 million. That’s a decent number, especially when we see how most Americans’ retirement savings are way below this. Guess the analyst looked at many things—like higher living costs, forecasted inflation, and needing enough money to stay financially stable after retirement.

But here’s the catch. This number relies on the crypto’s current value. Think of it…with Bitcoin being so unpredictable, the actual amount needed could change a lot, even by hundreds of thousands of dollars. And this could happen in a short time. A retiree may need way more or way less, depending on how BTC value moves.

How many Bitcoin do you need to replace a median US family income?

Less than two in the 2030s. pic.twitter.com/dojSD72vzR

— apsk32 (@apsk32) March 23, 2025

The Risks Of Relying On Crypto

Financial advisors tend to advise against depending on risky assets such as Bitcoin for retirement planning. The extreme price fluctuations that are part of the nature of the cryptocurrency market present a significant risk to retirement funds.

A big drop – maybe started by new rules, changes in how people think about the market, or surprise money problems – can really hurt a retirement account that’s heavy in Bitcoin. Imagine getting close to retirement and seeing the crypto’s value fall—terrible, right? It can leave people in a bad spot with little they can do to fix it.

Sure, the chance to make a lot with Bitcoin is exciting, especially for younger folks who can take more risks and have time to recover. But, most money planners say it’s smarter to spread out your savings. Put money in different things like stocks, bonds, and property. It’s way better to cut down risk and make sure you have money coming in when you retire.

This diversification serves to blunt the effect of any one asset class doing badly. For example, if the stock market performs badly, then the bond section of the portfolio could provide a stabilizing factor. Investing in such a large stake on a single very speculative asset like Bitcoin is the opposite of this basic risk management principle.

The breakdown by “apsk32” points to the possibility of Bitcoin contributing to retirement savings, but also emphasizes the sizable monetary commitment and risk involved. The $2.6 million price tag, based on 30 Bitcoin, is hardly a modest figure, and it takes either a huge initial investment or a very long time of steady accumulation to come up with that much Bitcoin.

Featured image from Gemini Imagen, chart from TradingView