After 60, "one more year" sounds like the responsible choice.

Sometimes it is. If the plan truly needs more margin, keep working. But the extra paycheck has to be measured against the year you're spending to get it.

That year may be one of your healthier ones. It may be a lower-stress year you could have used for travel, family, consulting, Roth conversions, capital gains planning, or simply learning how retirement feels while you still have the energy to enjoy it.

The portfolio question matters too. The plain 25x rule is useful, but it was built around traditional assets and traditional assumptions. If you own a meaningful amount of bitcoin, forcing the whole plan through a generic stock-and-bond ruler can make you look farther away than you are.

That doesn't mean pretending volatility doesn't exist. It means separating the portfolio into sleeves, deciding what gets spent first, and giving bitcoin time to do what you own it to do.

The question isn't whether more money would be nice. More money is always nice. The question is whether the next year of work buys enough extra freedom to be worth the year of life you trade for it.

Read the full piece: https://firebtc.io/p/the-swingin-sixties