> But how much you actively keep saved or “stacked” versus invested, spent, or reallocated can change over time.

Ultimately though everything not consumed is "saved". Post-retirement, having a 2nd home is just "another bank account". Its just allocating a portion away from liquid savings into an illiquid, but physical form of savings. 

Personally I think BTC is the best savings technology man has ever made, so I plan to keep the majority of my net worth in BTC forever (to pass on to kids). 

Direct investments, compete against BTC....how many investments have matched BTC over the past 10 years? Not many....therefore unless I feel convinced some specific investment would beat BTC, I will just keep stacking. 

An aside. 

In 1971 a barrel of oil was $3.60 per barrel. A ounce of Gold was $35. So you could buy approx 10 barrels of oil for that ounce....

Today a barrel of oil is $66 and gold is $3360, so you can buy *50 barrels* of oil. 

If you run those numbers and compare against SP500 returns from same time period you will find that Gold basically beat the SP500....And all those returns had *no counterparty risk!*

In 1971 you could have sent your money to some NY stock broker, and made sure to check on it every year and hope they didn't steal it....or you could've just put that gold coin in your sock drawer....

> The best possible mental approach is to just equate stacking with "savings".
> Is there ever a point where you plan to "cashout of all your savings?" Is there ever a point where you think you won't need to have any savings anymore?

That’s a really thoughtful way to frame it. Equating stacking with savings makes the idea of building up resources feel natural and purposeful.
As for “cashing out of all your savings,” it depends on the context, but generally, savings are there as a safety net or to enable certain life goals. Ideally, you never want to completely deplete your savings because then you lose that safety cushion. Even in retirement, the idea isn’t to have no savings but to have them working for you or drawing down sustainably.
So to your question, is there ever a point where you won’t need savings anymore? Practically speaking, no. Life always has unexpected twists, and having savings, even if just a small buffer, is wise. But how much you actively keep saved or “stacked” versus invested, spent, or reallocated can change over time.

nonproblemo

bitcoin

Stacking forever... but are we spending never?

The best possible mental approach is to just equate stacking with "savings". 

Is there ever a point where you plan to "cashout of all your savings?" Is there ever a point where you think you won't need to have any savings anymore?
