Here’s How Much Bitcoin One Needs to Be Financially Safe

Capital Club founder Luke Belmar is questioning how much Bitcoin an investor needs for financial safety.

Notably, Bitcoin’s growing role in financial independence is gaining traction, as many investors view it not just as a speculative asset, but as a potential escape route from traditional retirement systems.

As the price of Bitcoin hovers around $106,981, questions are rising about how much Bitcoin one needs to ensure long-term financial security. With some believing it could serve as an alternative to conventional savings and investment plans, the discussion is now moving towards the amount of Bitcoin required for a safe, financially independent life.

Bitcoin and the Pursuit of Financial Safely

While Bitcoin has seen volatility, it is becoming a serious consideration for those seeking financial safety. Some financial independence advocates argue that accumulating a specific amount of Bitcoin could replace traditional savings.

Most recently, a crypto entrepreneur, Luke Belmar, who is also the founder of Capital Club, a decentralized entrepreneurial network, raised the question of how much Bitcoin would be necessary to feel financially secure.

How much Bitcoin do you need to be safe?

— Luke Belmar 👽 (@lukebelmar) June 30, 2025

In response, Bitcoin Exchange Balance, a platform providing daily updates on Bitcoin’s holdings, suggested that a sum of 2,051,088 BTC would be sufficient. The total value of 2,051,088 BTC at the price of $106,981 would indeed be around $219.08 billion. However, this figure might be an overkill, as only four people in the world own assets worth up to $219 billion.

Meanwhile, others emphasize the simplicity of owning just a fraction of Bitcoin. One commenter suggested that even owning 1 BTC could potentially set an individual up for long-term financial security. For those who cannot afford 1 BTC, some argue that stacking small amounts of satoshis (the smallest unit of Bitcoin) over time can still be an effective way to build wealth, especially as Bitcoin’s long-term potential becomes clearer.

Bitcoin’s Long-Term Viability

A full-time trader known as CryptoData shared the view that owning 1 BTC could set most individuals up for financial independence within the next decade. At current prices, this is a sizable commitment but could prove worthwhile if Bitcoin appreciates in value, as some analysts predict.

For instance, if Bitcoin were to reach $1 million per coin, like Rich Dad Poor Dad author Robert Kiyosaki recently predicted, 1 BTC would then represent $1 million in assets, approaching the target required for financial independence.

The 25x Rule, commonly used in personal finance to gauge retirement savings, further illustrates this. By multiplying one’s annual expenses by 25, an individual could determine how much wealth they need to retire. For those who require $50,000 annually, this rule suggests a need for $1.25 million.

While 1 BTC wouldn’t quite reach the $1.25 million required by the 25x rule, it would still bring one close to the goal.