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? 😜

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