Turning $10/Week into Millions: The Power of Bitcoin DCA

https://www.reddit.com/r/Bitcoin/comments/1j4yf9p/turning_10week_into_millions_the_power_of_bitcoin/

created by Senator-smeagol on 06/03/2025 at 15:47 UTC*

28 upvotes, 7 top-level comments (showing 7)

In my previous post, I received a comment asking: *Is it worth it to DCA into Bitcoin if I only have a hundred bucks?* Or, more generally, *Is it worth it if I only have a little bit of money?* The answer, without a doubt, is **YES**.

Many people believe they need to invest hundreds of thousands of dollars to become wealthy, but that’s simply not true.

The compounding effect of Bitcoin can turn a **$25-per-week** investment, with an average return of **40% per year**, into **$2 million** over **20 years**. Most people want wealth *tomorrow*, but money doesn’t work that way. However, you can use **time** to your advantage. Time will pass whether we like it or not—so why not let it work for you?

Some of us may get lucky and stumble into a fortune, while others will have to rely on time and persistence to build wealth. The good news is that **time and compounding returns work for everyone** and can serve as your financial *insurance policy*. Imagine investing **just $10 to $25 per week** into Bitcoin while going about your life. Even if you never land a high-paying job or make big financial moves, you could still retire with **millions in the bank**. That, my friends, is the power of Bitcoin.

Let’s model this out. Bitcoin has historically returned **80–100% per year**, which is insane compared to the **S&P 500’s 7–10% average return**. For simplicity, we’ll assume Bitcoin grows at a **40% annual rate**:

40% Annual Growth Rate

✅ **$10/Week for 10 Years (2025–2034):**

Value after **10 years**: **$36,303**
Value after **20 years**: **$1,050,089**
**Total invested**: $5,200
**CAGR (20 years)**: ~31.9%

✅ **$25/Week for 10 Years (2025–2034):**

Value after **10 years**: **$90,758**
Value after **20 years**: **$2,625,222**
**Total invested**: $13,000
**CAGR (20 years)**: ~31.9%

These returns would be **life-changing** for anyone. You could do **everything wrong** financially and still end up with a **few million dollars**—all from investing just **$10 to $25 per week**. The only thing required is a **bare minimum level of discipline** to consistently save in Bitcoin.

----------Here is the detailed breakdown of the math------------------------

Scenario 1: $10 per Week for 10 Years (2025–2034), Then 20-Year TimelineFirst 10 Years (2025–2034):

Total Invested: $10/week × 52 weeks/year × 10 years = $5,200
Bitcoins Purchased Each Year: $520/year divided by the average price (approximated as the year-end price for simplicity): * 2025: 520 / 70,000 = 0.00742857 BTC * 2026: 520 / 98,000 = 0.00530612 BTC * 2027: 520 / 137,200 = 0.00379009 BTC * 2028: 520 / 192,080 = 0.00270720 BTC * 2029: 520 / 268,912 = 0.00193371 BTC * 2030: 520 / 376,477 = 0.00138122 BTC * 2031: 520 / 527,068 = 0.00098659 BTC * 2032: 520 / 737,895 = 0.00070471 BTC * 2033: 520 / 1,033,053 = 0.00050336 BTC * 2034: 520 / 1,446,274 = 0.00035954 BTC
Total BTC Accumulated: 0.00742857 + 0.00530612 + 0.00379009 + 0.00270720 + 0.00193371 + 0.00138122 + 0.00098659 + 0.00070471 + 0.00050336 + 0.00035954 = 0.02510124 BTC
Value at End of 2034: 0.02510124 BTC × $1,446,274 = $36,303

Full 20 Years (2025–2044):

No Additional Investment: Hold 0.02510124 BTC from 2035 to 2044.
Final Price: $41,834,159 (from the price growth table).
Final Value: 0.02510124 BTC × $41,834,159 = $1,050,089
Total Invested: $5,200
Average Annual Return (CAGR): (($1,050,089 / $5,200) ^ (1/20)) - 1 ≈ 31.9%

Scenario 2: $25 per Week for 10 Years (2025–2034), Then 20-Year TimelineFirst 10 Years (2025–2034):

Total Invested: $25/week × 52 weeks/year × 10 years = $13,000
Bitcoins Purchased Each Year: $1,300/year divided by the same prices: * 2025: 1,300 / 70,000 = 0.01857143 BTC * 2026: 1,300 / 98,000 = 0.01326531 BTC * 2027: 1,300 / 137,200 = 0.00947522 BTC * 2028: 1,300 / 192,080 = 0.00676801 BTC * 2029: 1,300 / 268,912 = 0.00483428 BTC * 2030: 1,300 / 376,477 = 0.00345306 BTC * 2031: 1,300 / 527,068 = 0.00246647 BTC * 2032: 1,300 / 737,895 = 0.00176177 BTC * 2033: 1,300 / 1,033,053 = 0.00125841 BTC * 2034: 1,300 / 1,446,274 = 0.00089886 BTC
Total BTC Accumulated: 0.01857143 + 0.01326531 + 0.00947522 + 0.00676801 + 0.00483428 + 0.00345306 + 0.00246647 + 0.00176177 + 0.00125841 + 0.00089886 = 0.06275311 BTC
Value at End of 2034: 0.06275311 BTC × $1,446,274 = $90,758

Full 20 Years (2025–2044):

No Additional Investment: Hold 0.06275311 BTC from 2035 to 2044.
Final Price: $41,834,159 (same as above).
Final Value: 0.06275311 BTC × $41,834,159 = $2,625,222
Total Invested: $13,000
Average Annual Return (CAGR): (($2,625,222 / $13,000) ^ (1/20)) - 1 ≈ 31.9%

Comments

Comment by Afraid_Pie6111 at 06/03/2025 at 15:53 UTC

8 upvotes, 1 direct replies

All good and well, but have you done the math on what 1btc would cost in 20 years then ?😂

Comment by Afraid_Pie6111 at 06/03/2025 at 16:50 UTC

3 upvotes, 2 direct replies

I’ll tell you why this math is irrelevant over a fixed period of time, let’s say for argument sake you put in the $25 weekly and all goes good and well for 15 years with all positive returns. Your 16th year is -72.1% like we had in 2018. Now you’re screwed

Comment by binnwow at 06/03/2025 at 16:10 UTC

2 upvotes, 1 direct replies

Do you think it's best to split the investment weekly? Let's say I would invest the 100$ montly in 1 go. Should I be doing this weekly instead of 1 go?

Comment by Analog_AI at 06/03/2025 at 16:19 UTC

2 upvotes, 1 direct replies

OP, I'll use this example to make the case for Bitcoin to my neighbors who do save a bit but otherwise are of very modest means.

Comment by loiolaa at 06/03/2025 at 17:13 UTC

2 upvotes, 2 direct replies

That would be a mkt cap of 300 trillion for Bitcoin, doesn't seem realistic considering that this is the current total global debt and I don't think there is any asset at this level