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%