您需要多少比特币才能舒适地退休？

用比特币规划退休生活需要仔细的计算和现实的期望。虽然一些投资者追逐柴犬币等代币的快速收益，但越来越多的机构采用和比特币作为长期价值储存的潜力使其成为一种有吸引力的退休工具。

Planning retirement with Bitcoin (CRYPTO: BTC) requires careful math and realistic expectations. While some investors chase quick gains with tokens like Shiba Inu Coin (CRYPTO: SHIB), the increasing institutional adoption and Bitcoin’s potential as a long-term store of value make it an attractive retirement vehicle.

用比特币（加密货币：BTC）规划退休需要仔细的数学和现实的期望。虽然一些投资者追逐柴犬币（加密货币：SHIB）等代币的快速收益，但越来越多的机构采用和比特币作为长期价值储存的潜力使其成为一种有吸引力的退休工具。

In recent months, with Bitcoin’s price stabilizing above $60,000 and significant financial institutions offering Bitcoin retirement products, more people are considering crypto for their retirement portfolio. Let’s explore how much Bitcoin you might need to leave your job comfortably and what factors affect this number.

近几个月来，随着比特币的价格稳定在 60,000 美元以上，并且大型金融机构提供比特币退休产品，越来越多的人正在考虑将加密货币用于他们的退休投资组合。让我们探讨一下您可能需要多少比特币才能舒适地离开工作，以及哪些因素会影响这个数字。

Understanding Your Retirement NeedsBefore calculating your Bitcoin target, you need to know your yearly expenses. A simple way is to track your current spending and adjust it for retirement. Most financial advisors suggest you’ll need about 70-80% of your working income in retirement.

了解您的退休需求在计算您的比特币目标之前，您需要了解您的年度支出。一个简单的方法是跟踪您当前的支出并根据退休情况进行调整。大多数财务顾问建议您在退休时需要大约 70-80% 的工作收入。

This percentage can vary based on your lifestyle choices, health conditions, and retirement goals. With Bitcoin’s increasing acceptance, many financial planners now recommend including it as part of a diversified retirement strategy, typically suggesting a 5-15% allocation for those comfortable with higher risk.

该百分比可能会根据您的生活方式选择、健康状况和退休目标而有所不同。随着比特币的接受度不断提高，许多理财规划师现在建议将其作为多元化退休策略的一部分，通常建议为那些愿意承受较高风险的人分配 5-15% 的资金。

Consider these key expense categories when planning:

规划时考虑这些关键费用类别：

Housing: Mortgage/rent, property taxes, homeowners insurance

住房：抵押贷款/租金、财产税、房主保险

Food: Groceries, dining out

食物：杂货、外出就餐

Transportation: Car payments, gas, maintenance, public transit

交通：汽车付款、汽油、维修、公共交通

Healthcare: Premiums, deductibles, copays, medications

医疗保健：保费、免赔额、共付额、药物

Education: Costs for children or grandchildren

教育：子孙的费用

Leisure: Travel, entertainment, hobbies

休闲：旅游、娱乐、兴趣爱好

Remember that some expenses might increase in retirement (healthcare, leisure) while others decrease (commuting, work-related costs). Your Bitcoin retirement strategy should account for these changing needs over time.

请记住，退休后某些费用可能会增加（医疗保健、休闲），而另一些费用可能会减少（通勤、工作相关费用）。您的比特币退休策略应该考虑到这些随着时间的推移而变化的需求。

Basic Retirement MathLet’s use an example: Suppose you expect to need $80,000 per year in retirement and plan to follow the 70% rule, aiming for roughly $56,000 yearly from your Bitcoin holdings.

基本退休数学让我们举个例子：假设您预计每年退休需要 80,000 美元，并计划遵循 70% 规则，目标是每年从您持有的比特币中获得大约 56,000 美元。

In this case, you’d need $1.2 million in traditional retirement savings.

在这种情况下，您需要 120 万美元的传统退休储蓄。

Converting to BitcoinWith Bitcoin’s current value around $65,000, here’s how the math works: $1.2 million ÷ $65,000 = roughly 18.5 Bitcoin.

转换为比特币 比特币目前的价值约为 65,000 美元，计算公式如下：120 万美元 ÷ 65,000 美元 = 大约 18.5 个比特币。

However, Bitcoin’s volatility makes this tricky. A safer approach might be to aim for more Bitcoin to account for price swings.

然而，比特币的波动性使得这变得棘手。更安全的方法可能是瞄准更多比特币来应对价格波动。

The Four-Point RuleMany Bitcoin retirement planners follow a modified 4% rule, aiming to withdraw 4% of their Bitcoin holdings each year, adjusted for inflation. This rule is based on traditional retirement planning principles and assumes an average 7% return rate over time.

四点规则许多比特币退休计划者遵循修改后的 4% 规则，目标是每年提取 4% 的比特币持有量（根据通货膨胀进行调整）。该规则基于传统的退休计划原则，并假设随着时间的推移平均回报率为 7%。

Using our example: If you have 20 BTC and plan to follow the 4% rule, you could withdraw roughly $80,000 per year (20 BTC x $65,000 x 0.04 = $520,000 over 7 years).

以我们的例子为例：如果您有 20 BTC 并计划遵循 4% 规则，您每年可以提取大约 80,000 美元（7 年内 20 BTC x 65,000 美元 x 0.04 = 520,000 美元）。

Geographic ConsiderationsWhere you retire greatly affects your Bitcoin number. For example:

地理因素您退休的地点极大地影响您的比特币数量。例如：

Retiring in a low-cost state like Mississippi might require 12-18 BTC, assuming $60,000 yearly expenses.

假设每年费用为 60,000 美元，在密西西比州这样的低成本州退休可能需要 12-18 BTC。

Retiring in a high-cost state like California might need 20-30 BTC, assuming $100,000 yearly expenses.

假设每年的开支为 10 万美元，在加利福尼亚州这样的高成本州退休可能需要 20-30 BTC。

These estimates assume the 4% rule, 70% of working income in retirement, and varying cost-of-living adjustments.

这些估计假设 4% 的规则、退休后工作收入的 70% 以及不同的生活成本调整。

Risk ManagementNever put all retirement funds in Bitcoin. A balanced approach might be:

风险管理永远不要把所有退休金都投入比特币。一个平衡的方法可能是：

70-80% in a traditional retirement account (401k, IRA)

70-80% 存在传统退休账户（401k，IRA）

10-15% in Bitcoin or other cryptocurrencies

10-15% 为比特币或其他加密货币

5-10% in real estate, precious metals, or other alternative investments

5-10% 投资于房地产、贵金属或其他另类投资

This diversification helps protect against Bitcoin’s volatility while still maintaining significant exposure to potential upside.

这种多元化有助于防范比特币的波动，同时仍保持巨大的潜在上涨风险。

Timeline StrategyYour age affects how much Bitcoin you need:

时间线策略您的年龄影响您需要多少比特币：

If you're younger (30s-40s), you might need more Bitcoin (20-30+) to account for fewer earning years and longer retirement.

如果您比较年轻（30 岁至 40 岁），您可能需要更多比特币（20 岁至 30 岁以上）来应对收入年限较短和退休时间较长的情况。

If you're older (50s-60s), you might need less Bitcoin (15-25) due to more earnings and a shorter retirement period.

如果您年龄较大（50 岁至 60 岁），由于收入增加和退休期较短，您可能需要更少的比特币（15 岁至 25 岁）。

Consider adjusting your Bitcoin holdings as you age, gradually moving to more stable assets.

考虑随着年龄的增长调整您的比特币持有量，逐渐转向更稳定的资产。

The Sweet SpotFor most people, the retirement sweet spot falls between:

对于大多数人来说，退休的最佳点介于以下两者之间：

15-25 BTC, assuming an average cost of living, 70% of working income in retirement, and a 4% withdrawal rate.

15-25 BTC，假设平均生活成本、退休后工作收入的 70%、提款率 4%。

These numbers assume: An average life expectancy of 85 years

这些数字假设： 平均预期寿命为 85 岁

Retirement at age 65

65岁退休

A 2.5% inflation rate

2.5%的通货膨胀率

Reality CheckRemember these important points:

现实检查记住以下要点：

The amount of Bitcoin needed for retirement can vary significantly based on individual circumstances and assumptions.

根据个人情况和假设，退休所需的比特币数量可能会有很大差异。

Bitcoin’s price can fluctuate

比特币的价格可能会波动