The 4% rule generally assumes retirement savings are the primary source of income, supplemented by Social Security and an emergency fund. The 4% you withdraw is equivalent to your pension income, the amount you decide to live on, while your emergency fund and other income are an additional buffer and are not included in this 4%. In other words, 4% is not a fixed spending ceiling, but a guide to ensure long-term sustainable spending.
It is wrong to equate Bitcoin with the tulip bubble. The scarcity of the tulip bubble was artificially hyped and highly replicable; the total amount of Bitcoin is rigidly stipulated by the algorithm and can never be arbitrarily increased, and no one can change this. More importantly, Bitcoin is not only a scarce commodity, it is also a decentralized, globally circulated, censorship-resistant digital asset with real financial functions. The value of paper money and gold relies on trust, and the value of Bitcoin also comes from global consensus, but its mechanism is more transparent and cannot be manipulated by humans. Even legal tender and credit currency are untenable in questioning that Bitcoin has no intrinsic value.
Bitcoin is mainly based on decentralized network security (blockchain technology), global consensus and acceptance, as well as unique functions in cross-border payments and value storage. Gold has physical properties, while Bitcoin is digital scarcity. The scarcity logic of the two is different.
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The 4% rule generally assumes retirement savings are the primary source of income, supplemented by Social Security and an emergency fund. The 4% you withdraw is equivalent to your pension income, the amount you decide to live on, while your emergency fund and other income are an additional buffer and are not included in this 4%. In other words, 4% is not a fixed spending ceiling, but a guide to ensure long-term sustainable spending.
Post: I’m confused about the 4% (or any %) withdrawal strategy. Do I have it wrong?
Link to comment from September 27, 2025
Mastering Bitcoin
Post: Why Bitcoin?
Link to comment from September 27, 2025
It is wrong to equate Bitcoin with the tulip bubble. The scarcity of the tulip bubble was artificially hyped and highly replicable; the total amount of Bitcoin is rigidly stipulated by the algorithm and can never be arbitrarily increased, and no one can change this. More importantly, Bitcoin is not only a scarce commodity, it is also a decentralized, globally circulated, censorship-resistant digital asset with real financial functions. The value of paper money and gold relies on trust, and the value of Bitcoin also comes from global consensus, but its mechanism is more transparent and cannot be manipulated by humans. Even legal tender and credit currency are untenable in questioning that Bitcoin has no intrinsic value.
Post: Why Bitcoin?
Link to comment from September 27, 2025
Bitcoin is mainly based on decentralized network security (blockchain technology), global consensus and acceptance, as well as unique functions in cross-border payments and value storage. Gold has physical properties, while Bitcoin is digital scarcity. The scarcity logic of the two is different.
Post: Why Bitcoin?
Link to comment from September 27, 2025