Audio quality was horrible
I made a retirement calculator where you perpetually borrow from your bitcoin and never sell. Instructions in thread.
https://www.desmos.com/calculator/880nh6wfmi
CALCULATOR OBJECTIVE
Evaluate the viability of funding your entire retirement living expenses through a loan, using your Bitcoin holdings as collateral. The loan balance increases annually as you borrow to cover both your living expenses and the interest required to service the loan. This strategy is considered successful if the value of your Bitcoin grows at a faster rate than your loan balance, ensuring that the loan-to-value (LTV) ratio remains manageable—typically below 50%.
CALCULATOR INPUTS
Adjust the following inputs using the sliders on the left-hand side:
(R): The year you retire—assumed to be January 1st of this selected year.
(M): Your desired income in the first year of retirement (R). This amount increases annually by F.
(F): The inflation rate or the percentage by which you want your income to grow each year.
(L): The annual interest rate on the loan—the cost of servicing your debt.
(B): The amount of Bitcoin you are using as collateral for the loan.
(P): Adjusts the Bitcoin price projection. Refer to this chart* for guidance:
- Enter 0.42 to follow the red support line—a conservative price projection.
- Enter 1 to follow the green trend line—an aggressive price projection.
*https://charts.bitbo.io/long-term-power-law/
CALCULATOR GRAPH
This graph displays the results of your calculations, with the x-axis representing years and the y-axis representing USD. Each colored line represents a key financial metric over time:
Green Line – Your income growth throughout the years.
Red Line – Your loan balance as it increases annually.
Orange Line – The value of your Bitcoin collateral over time.
Blue Line – The loan-to-value (LTV) ratio, scaled for visibility. (Note: The LTV is artificially multiplied by 10⁹ for display purposes; divide by 10⁹ to obtain its actual value.)
EXAMPLE
Consider a conservative and frugal individual holding 3 bitcoins, planning to retire in 2026 with an annual living expense of $35,000. Assuming an inflation rate of 7% and a loan interest rate of 10%, the input parameters are as follows:
R = 2026 (Retirement Year)
M = 35,000 (Initial Annual Income)
F = 0.07 (Inflation Rate)
L = 0.10 (Loan Interest Rate)
B = 3 (Bitcoin Collateral)
P = 0.42 (Conservative Bitcoin Price Projection)
Now, does this strategy hold up? Based on the calculator’s results:
- The loan-to-value (LTV) ratio peaks at 47% in 2030, then decreases over time, indicating the loan remains viable.
- 30 years into retirement, the loan balance reaches approximately $13 million, while the value of the Bitcoin collateral grows to around $56 million.
According to the numbers, this approach appears feasible—provided the individual is comfortable managing a high level of debt throughout retirement.
ADVANCED
All the formulas are visible and easy to modify if you wish to.
Nice. But how come the income can’t be higher than 250k? Can you adjust it up to 1mm?
Maybe it’s nothing #Bitcoin
Excited to dive in! nostr:npub1d3f4m9dgvkdjxn26pqzsxn6lpfn78sxwllxyt8mp76q0a9zyyjlswhr4xv #Bitcoin
🫡
“First I told them to have fun with their Bitcoins. Then I said I would Free Ross and build a Bitcoin strategic reserve. And then we dumped a meme coin on them” nostr:npub1a2cww4kn9wqte4ry70vyfwqyqvpswksna27rtxd8vty6c74era8sdcw83a nostr:npub1s5yq6wadwrxde4lhfs56gn64hwzuhnfa6r9mj476r5s4hkunzgzqrs6q7z nostr:npub1guh5grefa7vkay4ps6udxg8lrqxg2kgr3qh9n4gduxut64nfxq0q9y6hjy nostr:npub1qny3tkh0acurzla8x3zy4nhrjz5zd8l9sy9jys09umwng00manysew95gx nostr:npub1rtlqca8r6auyaw5n5h3l5422dm4sry5dzfee4696fqe8s6qgudks7djtfs
I pull mine at 115 then sear on cast iron and rest after to 140ish for medium
I’m pretty sure I was the first OG. Did it at 9:15pst 12/31 and was surprised to see the 2025 tag
How a Tesla car with Full Self Driving 13.2.2 finds a spot in a busy parking lot.
https://video.nostr.build/e28f474c1eda52769b7446a47740815c2afa2923243e4630ad767dcf8b5e219f.mp4
Wild
Hell ya
Glad to see you on @Primal 😉
Yes, that appears to be the case. FIFO on hold for one more year.
https://finance.yahoo.com/news/irs-delays-implementation-crypto-cost-173100985.html
Thanks for the reply and my first zap!! ⚡️ Followed 🤝
nostr:nprofile1qyt8wumn8ghj7etyv4hzumn0wd68ytnvv9hxgtcp2amhxue69uhkv6tvw3jhytnwdaehgu3wwa5kuef0dec82c33wv6hjufkwaskgamj0pjx2drvdpn8xdfkvahrvdrgwaa826rwvesnvu3ed44rgdekwg6hxdrgdd6ku7n80fchyuekwymh5qgwwaehxw309ahx7uewd3hkctcprpmhxue69uhkummnw3ezuendwsh8w6t69e3xj730qy2hwumn8ghj7mn0wd68ytn00p68ytnyv4mz7qg3waehxw309ahx7um5wgh8w6twv5hszxrhwden5te0wpex2mtfw4kjuurjd9kkzmpwdejhgqg6waehxw309ac82unpwe5kgcfwdehhxarj9ekxzmny9uq3samnwvaz7tmjv4kxz7fwvd6hyun9de6zuenedyhsz9thwden5te0wfjkccte9ejxzmt4wvhxjme0qy2hwumn8ghj7un9d3shjtnwdaehgu3wvfnj7qgewaehxw309aex2mrp0yh8xmn0wf6zuum0vd5kzmp0qythwumn8ghj7unnwdkxz7fwdehhxarj9ehx2ap0qqsg2zqd8wkhpnxu6lm5c2dyfa2mhpwte57apjae2ldp6g2mmwf3ypqdsk0y0 : for the record when I said $60 steaks, I'm talking about a pack of four at Costco, and they're large... now if you're listening to this in the future and it's 2028, then I'm talking about one steak. 🎯 🤣
#bitcoin fixes this.
Stay humble, stack sats.
Great pod nostr:nprofile1qyt8wumn8ghj7etyv4hzumn0wd68ytnvv9hxgtcp2amhxue69uhkv6tvw3jhytnwdaehgu3wwa5kuef0dec82c33wv6hjufkwaskgamj0pjx2drvdpn8xdfkvahrvdrgwaa826rwvesnvu3ed44rgdekwg6hxdrgdd6ku7n80fchyuekwymh5qgwwaehxw309ahx7uewd3hkctcprpmhxue69uhkummnw3ezuendwsh8w6t69e3xj730qy2hwumn8ghj7mn0wd68ytn00p68ytnyv4mz7qg3waehxw309ahx7um5wgh8w6twv5hszxrhwden5te0wpex2mtfw4kjuurjd9kkzmpwdejhgqg6waehxw309ac82unpwe5kgcfwdehhxarj9ekxzmny9uq3samnwvaz7tmjv4kxz7fwvd6hyun9de6zuenedyhsz9thwden5te0wfjkccte9ejxzmt4wvhxjme0qy2hwumn8ghj7un9d3shjtnwdaehgu3wvfnj7qgewaehxw309aex2mrp0yh8xmn0wf6zuum0vd5kzmp0qythwumn8ghj7unnwdkxz7fwdehhxarj9ehx2ap0qqsg2zqd8wkhpnxu6lm5c2dyfa2mhpwte57apjae2ldp6g2mmwf3ypqdsk0y0 and nostr: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 🫡 and happy 2025 to you both.
Just listened to it during this mornings ruck. Great rip- laughed at that part also. Thanks to nostr:npub1s5yq6wadwrxde4lhfs56gn64hwzuhnfa6r9mj476r5s4hkunzgzqrs6q7z and nostr:npub1tccnjexzau3x5ea8c69v047nqfy3xm4w4yl9j788sts0usl87nhsvce6fh 🫡
https://www.irs.gov/pub/irs-drop/n-25-07.pdf
TEMPORARY RELIEF UNDER SECTION 1.1012-1(j)(3)(ii)
So the rule got delayed 1 year?
nostr:npub1qny3tkh0acurzla8x3zy4nhrjz5zd8l9sy9jys09umwng00manysew95gx nostr:npub10atn74wcwh8gahzj3m0cy22fl54tn7wxtkg55spz2e3mpf5hhcrs4602w3 nostr:npub1drlw0wmu9tq37usx4qt3u6u4zj44mrf3zsfa6xhcdyrh3n4wpmgqr4rfg0
Lol of course. I signed up for primal OG at 9:45pm PST on 12/31 and I get the 2025 badge.. Of course this happened 🤦🏻♂️ @miljan
My Nostr predictions for 2025
Exactly one year ago I published my Nostr predictions for 2024. Some came true, but most were, shall we say, aspirational, and, if we want to be generous, directionally correct. Happy to continue in the same vein and go out on a limb for 2025. Here we go, ordered by likelihood of coming true:
1. Primal will become much, MUCH better. Primal 3.0 will be a bigger leap forward than Primal 2.0 was. We will surprise everyone by the features, speed, level of polish, and ease of use.
2. Many other Nostr clients will impress by their progress in a relatively short time frame. If I had to pick one, I have a really good feeling about Highlighter.
3. Way more bitcoiners will join Nostr. While we currently only have a small subset of bitcoin enjoyers on Nostr, the new features and unique content will make Nostr irresistible to anyone interested in bitcoin.
4. Bitcoin-adjacent communities will start to discover and join Nostr. This will include health & wellness, financial twitter, human rights, libertarians, and other communities. As a result, the network will grow and become more formidable.
5. Spammers gonna spam. With the growth of the network, spammers will return in force. They will be sophisticated and relentless, putting all of our spam mitigation services to the test.
6. The Blossom protocol will make media hosting on Nostr much more robust and resistant to censorship.
7. Long form content will start to hit its stride on Nostr. This includes textual long form content (blogs, essays, articles, etc.) as well as long form video content.
8. Multiple Nostr projects will find effective and ethical ways to monetize, marking a watershed moment for the protocol. We will witness the formation of the first cohort of real businesses on Nostr, signaling the inevitable changing of the guard and the eventual extinction of the Legacy Web.
9. Nostr will experience a glimpse of what a ‘suddenly’ mainstream adoption moment looks like.
10. By the end of the year, everyone - even the haters - will realize that Nostr is going to win.
11. nostr:npub1qny3tkh0acurzla8x3zy4nhrjz5zd8l9sy9jys09umwng00manysew95gx will accuse me of not being bullish enough.
One thing is certain: we will keep pushing until we will this thing into existence. 🤝
Anyhow, Merry Christmas, Happy Hanukkah, Pura Vida, and Peace and Love to you all! ♥️☀️
My prediction is you, nostr:npub1qny3tkh0acurzla8x3zy4nhrjz5zd8l9sy9jys09umwng00manysew95gx and nostr:npub1s5yq6wadwrxde4lhfs56gn64hwzuhnfa6r9mj476r5s4hkunzgzqrs6q7z will follow me here which in turn give me no option but to become a primal legend 🤷🏻♂️
END OF AN ERA VIBES.
NEED TO FIND THE WILL TO STOP CARING. MOST NEWCOINERS WILL BE FED TO THE WOLVES.
That dude is a total clown. All his posts are cringe