After the live training

Closing the gap

You know your number now: what you spend in a year, times 20. This page shows how you get from the money you have to that number, and where the extra money comes from. Rajat explains it in 20 minutes, using numbers real people sent in.

The video

Recorded by Rajat, November 2026. 20 minutes.

Where does the extra money come from?

Here is the question almost everyone has after the live: "I buy Bitcoin. Later I borrow money against it and live on that. Fine. But how does 300,000 turn into a million? Bitcoin is not going to triple in ten years."

First, the borrowing does not make money. Borrowing is just taking money from next year and using it this year. It never makes the pile bigger.

The pile gets bigger in one way only: it grows by a certain percent every year, and every year it grows on top of last year's growth. Think of a snowball rolling downhill. It picks up snow on top of the snow it already has, so it grows faster the bigger it gets. Money works the same way when you never take any out.

So everything depends on one number: how many percent Bitcoin grows per year. Here is what happens to 300,000 over ten years at different speeds, if you add nothing:

If it grows this much per yearAfter ten years you have
3% (that is what "up 30 or 40 percent in ten years" means)405,000
5% (a good savings account)494,000
10% (what the stock market has done, on average)812,000
12%1.07 million
15%1.33 million
20% (the careful number the plan uses)2.18 million
25% (the number used on the live)3.56 million

So: to turn 300,000 into 1 million in ten years, it has to grow about 12 percent a year. If you also put in 1,000 a month, 10 percent a year is enough. With 2,000 a month, 8 percent.

Two surprises in that table.

Surprise one: "up 30 or 40 percent in ten years" sounds like a lot. It is only 3 percent a year. Prices in the shops go up faster than that. If you think that is all Bitcoin will do, then do not buy it. Rajat said the same on the live: if you do not believe it will grow, or you need the money within five years, stay out.

Surprise two: 20 percent a year does not mean "up 200 percent in ten years." Because of the snowball, it means the pile is six times bigger, not three. Most people guess this wrong. So far, in every ten year stretch since Bitcoin began, it has grown a lot more than 20 percent a year. That is what happened before. Nobody can promise what happens next. That is why the plan uses 20 to 25, well below the past, and writes your chosen number into your plan so you can check every year whether it is on track.

Three things change how big the pile gets, biggest first: how fast it grows, how many years you leave it, and how much you add each month. The program cannot change the first one. What it does is stop you from selling when the price drops, which is how most people ruin the snowball, and it works out the other two with your real numbers.

The same math with a real person's numbers

In the video Rajat uses numbers people typed in the chat. Take Jack. He is 55. He spends 60,000 a year, has 50,000 saved, and wants to stop working in nine years. Prices go up about 4 percent a year, so in nine years he will need about 85,000 a year. His number is 20 times that: 1.7 million.

He has 50,000 and can add 5,000 a month. Three ways to try to get to 1.7 million in nine years:

Housesrent that pays 85,000 a year
He would need well over 1.6 million worth of property, and he would still owe money on it, plus repairs, tenants and property tax. Almost nobody gets there in nine years.
Stocks10% a year, needs 25x
With stocks you sell a bit every year to live, so you need 25 times your spending, not 20. He ends with about 990,000. More than a million short.
Bitcoin25% a year, needs 20x
Same money in. He ends with about 2.4 million, more than the 1.7 million he needs. Even with only 1,000 a month over 15 years he gets to 3.9 million, where stocks would reach 640,000.

Same money in, same years. The only thing that changed between the three rows is how fast the pile grows. One more: waiting is expensive. Leave 50,000 in stocks for five years while you decide, and you end up about 90,000 behind where you would have been. And most people who wait five years still have not moved it at the end. That is what the program is for: helping you actually do it, and writing down in advance what you will do on the day the price drops.

After you reach your number

You never sell the pile. That is what the borrowing is for. The old way, you sell 4 percent of your savings every year to live on, so the pile shrinks right when it should be growing. The new way, you borrow a small amount of cash against the pile and live on that. The whole pile keeps growing. The loan just sits there, backed by something worth more every year. That is why you need 20 times your spending instead of 25. And it is why borrowing is for spending, not for growing.

Two ways to live off the pile. Borrow against a small part of it and spend that cash. Or borrow against it and buy something that pays you every month, like a small business. The program spends a whole week on doing the first one safely, so the lender can never take your Bitcoin. It teaches how to think about the second one. It does not tell you what to buy.

Before the call

Try it with your own numbers. Four boxes to fill in, two minutes, and a button that copies the answer so you can bring it to the call.

Open the calculatorIt also tells you how fast your pile needs to grow to hit your number. Bring that to the call and the 45 minutes go to the plan, not the math.