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Bitcoin for Millennials

How Much Bitcoin Do You Need to Retire by 2030? | Sminston With | BFM167

03 Jul 2025

Description

Sminston With is an anonymous engineer with a PhD in Materials Science and Bitcoiner since 2021. He believes Bitcoin represents a quantum leap in money technology and has analyzed its long-term adoption patterns to create a retirement guide based on his calculations.› Smitty’s Bitcoin Retirement Guide: https://x.com/sminston_with/status/1917605539279954391PARTNERS🧘‍♂️ Gain peace of mind with Onramp’s Multi-Institution Custody solution. Sign up with code BRAM to receive $150 in Bitcoin after your first deposit: https://onrampbitcoin.com/bram🔐 Blockstream Jade Plus: The simplest and most secure hardware wallet on the planet - Get 10% off your entire order with code BRAM at https://store.blockstream.com🔨 Stamp Seed: The safest way to backup your hardware wallet - Get 15% off with code BRAM at https://stampseed.comPRODUCTS I ENDORSE› Get the The Bitaxe Gamma (open-source Bitcoin home miner) in US & UK with 10% using code BRAM: https://shop.powermining.io/?ref=BRAM› Buy Bitcoin in the EU 🇪🇺 via https://relai.me/bram and use code BRAM to reduce fees by 0.5%🔔 SUBSCRIBE TO GET NOTIFIED› YouTube: ⁠⁠https://youtube.com/@bramk⁠⁠› Follow Bram on ⁠⁠https://x.com/bramk🕑 TIMESTAMPS00:00 - Introduction: Why Retire with Bitcoin02:00 - Smitty’s Background and Engineering Approach05:45 - What Makes Bitcoin a Quantum Leap in Money08:55 - Why Millennials Should Retire with Bitcoin12:15 - Understanding the Power Law and Bitcoin’s Predictability16:20 - How the Bitcoin Retirement Guide Works20:35 - Inflation and the Real Cost of Retirement24:00 - Practical Example: $100K per Year Retirement Plan27:30 - How Much Bitcoin You Need to Retire Early31:20 - Why HODLing Through Volatility Matters34:50 - The Decay Channel Model: Bubble Tops and Accumulation38:40 - Diminishing Returns and the Window for Millennials42:05 - Taxes, Caveats, and Real-World Planning44:15 - Building Long-Term Conviction and Family Wealth47:20 - Final Thoughts: A Core Belief to Never Let Goℹ️ EPISODE SUMMARYBram Kanstein and Smitty break down the real math behind Bitcoin’s $1 million growth path — and how to build a realistic Bitcoin retirement plan. They unpack Bitcoin’s long-term adoption patterns, the power law behind its predictable growth, and why stacking sats is the best defense against fiat inflation. You’ll learn how much Bitcoin you actually need to retire on $50K, $100K, or even $1M per year in real purchasing power. This is the ultimate Bitcoin Retirement Guide for anyone who wants to stop thinking in dollars and start thinking in Bitcoin.

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