5. Figure out how much money you need to be happy, lets say $120,000 a year. If that's the case then you would need to have $3M equivalent of crypto in order withdraw an upper limit 4% a year. This way you have your cake and eat it too.
That is a nice strategy and probably everybody's dream. Retire using your bitcoin stash. Unfortunately, most of us do not have sizable investments in crypto, and we may never get there.