🎯 Ways to retire on Bitcoin
Every strategy, compared honestly
Each approach has real pros and cons. We explain them all — without sugar-coating, with a calculator where it counts.
Classic
The 4% Rule
Sell Bitcoin, invest in ETFs, withdraw 4% per year. Proven and simple — but you pay taxes and give up Bitcoin's upside.
🟢 Well explained · low complexity
Refinancing
Buy, Borrow, Die
Borrow against Bitcoin annually, withdraw liquidity, never sell. Tax-optimized and powerful — but more complex and exposed to liquidation.
🟢 Available with calculator
Cashflow
DeFi Yield with vfat
Put idle crypto to work across DeFi. Discover yield, track your portfolio, and earn cashflow across 37 chains — non-custodial and audited.
🟢 Available now
DCA-out
Hold & Sell Gradually
The classic dollar-cost-average out. Sell a portion each year or month. Simple, but carries tax burden and timing risk.
🟢 Read the guide
At a glance
Side-by-side comparison
| Strategy | Sell BTC? | Tax burden | Complexity | Keeps upside |
|---|---|---|---|---|
| The 4% Rule | Yes | High | Low | None |
| Buy, Borrow, Die | No | Deferred | Medium | Full |
| DeFi Yield (vfat) | No | Deferred | Medium | Full |
| Hold & Sell | Partial | Medium | Low | Partial |