For me, no amount of bitcoin is enough to secure future. Though as what's happening now that somehow make bitcoin stable in long run, we can't still deny that there is still a chance for bitcoin to fall. Lucky, if after bitcoin crash a huge percentage the person who buy bitcoin as retirement fund can wait until bitcoin recover and raise again but what if not? Bitcoin is a great investment but just like most investment crypto or not the profitability pecentage is not always 100%.
no Amount of Bitcoin ? or you just cannot achieve that amount for your future that's why this is why you acted like this. because how come that you cannot compute how much you need for your future ?
I can easily say that 20 bitcoin for this 55,000$ value is more than enough to make my future and my family brighter because i will not use this just for holding instead i will find businesses to established our life more than just keeping holding in this volatile market.
that's how it works and that is how OP asking us and not just your deepest regret in life.
you can say that for now but when the prices of the daily needs go up as well you wouldn't be able to buy a decent house with 1BTC next year. everything is going to be inflating in the next few years so that 20BTC might not really be enough.
and you don't know yet what will happen in the future. 20BTC is valuable of course but you can easily spend it all in a day actually. a kidney stone surgery or something similar is something to deal when you get old.