🧩 Is the 4% Rule Still Relevant for Bitcoin? 🔥
The 4% rule is the standard for financial independence. What happens when you factor in BTC’s explosive growth & volatility?
Can bitcoin lower your target number?
I break it down in FIRE BTC Issue 21.
https://firebtc.substack.com/p/is-the-4-rule-relevant-to-bitcoin
This is great, Trey.
I did similar work last summer and came up with the same 8% "rule" for Bitcoiners.
A word of caution, some pro-Bitcoin financial planners on X think that this is "reckless" and "irresponsible" ... which was very surprising to me when I shared my thoughts publicly.
Thanks Jeff! The way I look at it is there are no hard rules, just guidelines. Everyone has a different level of comfort with risk, and some people have more flexibility to work with. Balancing all of this for your personal situation is where art vs science comes in!
Anyway, appreciate the thoughts.
if bitcoiners follow the 4% rule, instead of 8%, does that mean that sats could last 60+ years?
Thanks for your POV Jeff. I like M.R. but I don’t understand how she can understand BTC so deeply and yet still think anything over 4% is reckless over the next 20-30 years. I’m all for being conservative, but the math just seems clear that 4% is too conservative.
