I have been looking at articles which are saying how much you should save up before you can retire but there is one big problem with their calculations they are relying on receiving money through interest earned on their bank deposits and they mention investments into stocks but that is assuming that you always earn on them. Bank interest depending on the amount you earn might not be enough to keep up with the cost of living and would only soften the blow. That is assuming that in 20 years time that banks still exist like they do today I am hoping and this is me being optimistic again I am hoping that people decide to manage their own money with Bitcoin or with fiat.

https://www.aarp.org/retirement/planning-for-retirement/info-2020/how-much-money-do-you-need-to-retire.html

This article says there are 4 factors to think about before you retire. 1. Expenses 2. How much you earn on your savings 3. How long you will live 4. How much you can withdraw from your savings per year. If you keep a lot of your money in Bitcoin or all of it instead of a fiat bank then you lose that benefit of interests and the only way you earn interest is if Bitcoin goes up in price over time. I will say that Bitcoin is going to earn you more money than any interest would though.