How Much Bitcoin Do You Actually Need To Retire (If Fidelity's 2038 Estimate Is Right)?

You don’t need a whole Bitcoin to think long-term. Here’s a speculative exercise that breaks down Bitcoin’s divisibility, today’s prices, and what retirement could look like.

Dec 22, 2025

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When Fidelity suggested that one Bitcoin could be worth $1 billion by 2038, the internet reacted with a mix of disbelief, excitement, and confusion. Headlines focused on the number itself ~ but missed the more interesting question underneath:

If Fidelity were even partially right, how much Bitcoin would someone actually need to retire?

For many women, especially those historically excluded from early wealth-building opportunities, the answer may be far more approachable than expected.

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How Much Bitcoin Do You Actually Need To Retire (If Fidelity's 2038 Estimate Is Right)?

You don’t need a whole Bitcoin to think long-term. Here’s a speculative exercise that breaks down Bitcoin’s divisibility, today’s prices, and what retirement *could* look like.

Continue reading this post for free, courtesy of Kelly Ann Collins.

You don’t need a whole Bitcoin to think long-term. Here’s a speculative exercise that breaks down Bitcoin’s divisibility, today’s prices, and what retirement could look like.