14 BTC — that's what it would cost to retire today on $100k/year in expenses if you're using bitcoin as your savings vehicle. Sounds like a lot. But the math changes dramatically when you factor in time. I built a framework for calculating your personal BTC stacking goal in FIRE BTC. It comes down to three inputs: your annual expenses, a conservative bitcoin growth assumption, and your time horizon. The formula: take your annual expenses, multiply by 12.5 (an adjusted withdrawal rate that accounts for bitcoin's higher growth potential vs. stocks), and divide by the current BTC price. That gives you your "retire right now" number. Then apply what I call the Rule of 3 — for every 5 years you're willing to keep working, divide your BTC target by 3. That intimidating 14 BTC target? With a 10-year runway, it drops to about 1.5 BTC. The difference between aimless and purposeful stacking is knowing your number — not a meme number, but one built on your actual lifestyle costs and timeline. Sprint hard early, build your position, then let bitcoin's growth carry you the rest of the way.

🎯 Goalseek

FIRE BTC Issue 59 - How to calculate your BTC stacking goal