How Much Bitcoin Do You Need to Retire? (This Answer Will Shock You)

Can you really retire on Bitcoin? Nico sits down with financial advisor Morgen Rochard to break down the math behind Bitcoin retirement, Tesla’s surprising BTC profits, and why ignoring Bitcoin in 2025 might be the biggest financial mistake of your life. Family, wealth, and the future of money—all in one powerful conversation.

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CHAPTERS:
00:00 – How much Bitcoin do you need to retire?
02:00 – Tesla’s BTC profits & corporate adoption
04:30 – Do you need BTC exposure in 2025?
06:30 – Guest intro: Morgan Rashard & show setup
09:00 – From gold bug to Bitcoiner: Morgan’s path
13:30 – Conviction shift & maturing BTC infrastructure
16:30 – Personal finance vs “all in” memes
21:00 – Money allocation vs investment allocation
25:00 – Retirement math: start with spending
29:00 – Conservative withdrawals (≈1.67%): 40 BTC example
33:00 – Institutions, ETFs, governments, reserve-path
37:30 – Is BTC volatility declining? Options caveat
42:30 – Market-weight logic: why 2% is the floor
46:00 – ETFs, MSTR & treasury stocks vs holding BTC
51:00 – Leverage and debt risk for companies & people
55:30 – Treasury mania, incentives & dilution risk
59:30 – YieldMax/MSTY: where that dividend comes from
1:03:30 – Self-custody best practices (and a “go bag”)
1:06:30 – Client profiles, cash runway & sequence risk
1:10:00 – De-financialization: real estate, assets, yields
1:12:00 – Family planning, trusts & passing values
1:15:30 – Morgan’s one-sentence philosophy & wrap

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