Retire on Bitcoin – Without Selling
Multiple strategies. One goal: Keep your Bitcoin while living off it.
The Problem with Traditional Bitcoin Retirement
💸 Taxes can reduce your gains
Sell Bitcoin, pay up to 37% taxes. With $100,000 profit, only $63,000 remains.
📉 Fiat loses purchasing power
Inflation (2-3%/year) means: Your money becomes worth less. Guaranteed. Slowly. Invisibly.
😔 You give up your Bitcoin
Selling = no more upside. If Bitcoin continues to rise, you just watch.
🎯 Ways to Retire on Bitcoin
Every strategy has pros and cons. We explain them all – honestly, without sugar-coating, with calculator.
📊 The 4% Rule (Classic)
Sell Bitcoin, invest in ETFs, withdraw 4% per year. Proven, but: You pay taxes and give up Bitcoin upside.
Status: 🟢 Well explained, low complexity
🔄 Buy, Borrow, Die (Refinancing)
Borrow against Bitcoin annually, withdraw liquidity, never sell. Tax-optimized. More complex. For Bitcoin optimists.
Status: 🟢 Available with calculator
🤖 Bitcoin-Backed Robot Rental (Future)
Borrow against Bitcoin, buy humanoid robots, rent them out. Futuristic, risky, but fascinating.
Status: 🟡 2027-2030 Timeline
💎 Simply Hold & Sell Gradually
Classic DCA-out. Sell a portion each year/month. Simple, but tax burden and timing risk.
Status: 🟢 Article in progress
Ready to Calculate?
Our Bitcoin Refinancing Calculator models your strategy over multiple years. Free, no registration.
⚠️ Important Notice
The information on this page is for educational purposes only. It does not constitute financial advice. Bitcoin lending is extremely risky and can lead to total loss. Consult a qualified financial advisor before making any financial decisions.