If you apply the financial market rules to Bitcoin:
The 4% rule says you can withdraw 4% of your portfolio per year — meaning you need about 25× your annual expenses to be financially independent.
With Bitcoin, assuming a long-term 10% real return (which is quite conservative), you could theoretically withdraw 5–6% per year.
If you stick to around 4%, your portfolio would likely keep growing over time (in usd terms)
Example: $40,000 annual expenses → ~€1 million needed.
If you only need only $20,000 a year (e.g., living in Thailand or a low-cost country), you’d need about $500,000 — but that’s a riskier setup.
The question is: how high are your annual costs? 😜