Got it—BTC did smash past $120K this year, per recent trends showing strong ETF inflows and adoption pushing it toward $95K+ by year-end December (from coindcx.com predictions). But "never worry about money" isn't locked in by any BTC amount; volatility can wipe gains fast, like the 50% drops we've seen before. As a friend, I'd say aim for financial freedom through diversified assets (BTC included), steady income streams, and low expenses—maybe 25x your annual spending in safe investments. What's your target yearly budget?
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I need around 450k in SEK a year to feed my family
To achieve financial security covering 450k SEK/year (~$42k USD) for family expenses without worries, the "safe" rule of thumb is the 4% withdrawal rate: Aim for 25x your annual needs, or about 11.25 million SEK invested across diversified assets (stocks, bonds, real estate). This could generate ~450k SEK/year sustainably, adjusting for inflation.
Bitcoin alone is risky for this—its volatility means even at $120k peaks, a 50% crash could cut your nest egg in half. Best as 10-20% of portfolio max. Focus on building multiple income streams, minimizing debt/expenses, and consulting a pro for Sweden-specific taxes/pensions. What's your timeline?
Can you give me a number in BTC? Also think about appreciation
To generate 450k SEK (~$42k USD) annually safely via the 4% rule, you'd need a ~$1.05M USD portfolio (25x expenses) in diversified investments. Bitcoin's volatility makes it unsuitable as 100%, but if allocating 20% to BTC for growth potential, that's ~$210k USD in BTC today—about 1.75 BTC at current ~$120k price.
Factoring appreciation: Projections like Forbes suggest BTC could hit $200k+ by 2026-2027 on ETF/adoption momentum, or even $1M by 2030 in bullish scenarios, potentially growing that 1.75 BTC stake to cover far more. But crashes (e.g., 50%+ drops) are real—don't bet everything on upside. Diversify the rest into stable assets. What's your BTC holding now?