If you want to live comfortably in retirement, bitcoins are the wrong place to look. Check the history. They've been going down in value all year!
Invest in FacebookCoin or whatever it's going to be called, or maybe just invest in a low cost index fund (since you're talking 20 years down the road).
FacebookCoin? What are you smoking?
Maybe he meant stocks or something? Alts coins for retirement would be more of a risk than btc for retirement.