The 20x Method

Find your number

What you spend in a year, grown to the year you stop working, times 20. Then whether what you hold gets you there. The figures below are an example from the live training. Replace them with yours.

No tradingNo coin picksTwo minutes

Your four numbers

Spending per year What leaves your account. Not what you earn. What you hold today Savings, brokerage, 401k or RRSP, Bitcoin. Not the house. Years until you stop Pick the year you want, not the year you were told. You can add per month Without changing how you live.

Inflation, % per year 4 is the default from the training. Bitcoin growth, % per year 20 is the conservative case. 25 was used on the live. Stock growth, % per year 10 is the long run average.

The target

Spending in 9 yearsToday's spending grown at inflation

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Your number20 times that, held in Bitcoin. Never sold, borrowed against.

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The old number25 times, for a stock portfolio you sell 4 percent of each year

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Gap from what you hold today

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Growth you need, per yearThe rate that closes the gap in your years, with your monthly adds. The loan does not grow money; this rate does.

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Two ways to get there, same money in

Stocks at 10%

Target 25 times spending

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Bitcoin at 20%

Target 20 times spending

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The cost of deciding later

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How it is calculated. Future spending = spending × (1 + inflation)^years. Your number = 20 × future spending. Growth compounds monthly at the yearly rate divided by 12, the same way the calculator on the live training did. Past growth rates are not a promise about future ones; change the assumptions and see what moves.

Not advice. A worked example of the 20x method so you arrive at the call with your own figures written down.