Simply Bitcoin How Much Bitcoin Do You Need to Retire? | Morgen Rochard
Sep 1, 2025
Morgen Rochard, a financial advisor at the BTC Financial Advisors Network, shares her expertise on integrating Bitcoin into retirement strategies. They discuss the necessary calculations for retiring with Bitcoin, Tesla's surprising profits from BTC, and the importance of Bitcoin in future financial planning. The conversation dives into the risks and benefits of direct Bitcoin investment versus equities, explores unique treasury strategies, and emphasizes the need for financial sovereignty and literacy for families in this evolving landscape.
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Slow Conviction From Reading To Adoption
- Morgen first read about Bitcoin on the Mises Institute blog around 2011 but didn’t act immediately due to practical barriers.
- Her husband (Pierre) introduced her to hands-on Bitcoin and it took about three years for her conviction to solidify.
Retire By Backing Into Spending
- Calculate retirement needs from your actual spending and adjust for items that will stop or start in retirement.
- Use conservative Bitcoin withdrawal rates (e.g., ~1.67%) and actuarial tables to size your stack.
How Price Moves Change Bitcoin Need
- On a conservative 1.67% withdrawal, $80k/year implies about $4.5M in savings, roughly 40 BTC at $120k.
- As Bitcoin price rises the BTC quantity needed drops proportionally, changing required stack size.