Do you know what your nest egg should look like? Research shows that about two-thirds of US employees believe they will need at least half a million dollars to retire comfortably. Based on that, you would assume most people are actively building wealth.

Inexplicably, that’s far from the truth. The fact is that 50% of Baby Boomers have saved less than $10,000 for retirement. At the same time, studies show that most Gen X’ers (aged 40-55) do not anticipate that retirement will be an option for them.

Saving for retirement isn’t as hard as you think. It requires building a nest egg, and we’ve listed out three easy steps that you can take today:


A budget is a spending plan for a certain period of time, which you develop according to your expected income and expenses. The period of time can be adjusted based on your budgeting goals. Your budget determines if you have enough money to cover your needs and wants. Well-planned budgets help people avoid unnecessary stress.

Working toward retirement savings is the main purpose of a budget. To create one and stick to it, you must resist the temptation to splurge. This will not only help you save more quickly, but also make sure you don’t spiral into debt.

It’s crucial to build investment contributions into your budget. Managing to put some money aside in a retirement fund every month will make sure you have a nice lump sum waiting for you eventually.

Another advantage of having a budget is that it provides a buffer in case of an emergency. Getting injured or sick, laid off, or losing a loved one can cause intense financial turmoil.

the key to wealth

In June 2020, the Crypto Research Report (CRR) predicted the price of BTC to reach $400,000 by 2030. The report covers the so-called “equation of exchange” model, a popular valuation method used to predict the future price of the reigning king of cryptos. This model provides a target price for cryptos according to estimates of changes in demand and supply.

Building a BTC nest egg involves extensive financial planning and an optimally varied investment portfolio with smart management of your digital wealth. Here’s the thing, ten years ago, Bitcoin was worth less than a dollar. So, someone who spared a dollar for the new asset class is over $35,000 richer today. Let’s say you put in $100 back then at the current market price, we are talking millions. Numbers don’t lie and smart money moves reward in the long run.

Without a doubt, crypto is the future of currency, and this is where digital wealth management comes into play. It’s essential to be able to manage all your different sources of revenue in a balanced manner, so you don’t forgo anything at the expense of anything else. At any rate, those who bet on Bitcoin to give them financial stability in their golden years will win.

diversify assets

You should think about the best way to invest your resources and make them grow once you start saving for retirement. Every investor with half a mind will tell you asset diversification is important. This means you shouldn’t put all your eggs in one basket.

By spreading your funds into different asset types, you’re reducing the risk of any single investment type. What happens if your retirement is dependent on Treasury bond yields, which many analysts are projecting will deliver zero or negative returns for the next few years?

It’s smart to analyze investments regularly to ensure they’re still working effectively and helping you meet your financial goals. Move your funds out of poorly performing assets as soon as possible. Review your investment performance at least once a year. You will need to redistribute your money regularly to reach your long-term target, be it $1, $1.5, or $2 million.

start building wealth


When we’re young, retirement is the last thing on our minds. We’re too busy enjoying life, and it goes by as we do. If you wait until you’re 50 to start saving for retirement, there are bleak outcomes to reckon with. Some of the few reasons you need to put that nest egg today include:


We live in uncertain times, and one day something may happen that may take a strain on your finances. Having some money set aside for such a day will ensure that you don’t eat up your retirement savings to cater to the emergency.

Diversification of assets

A smart investor doesn’t put all their eggs in one basket. When you have a nest egg, your asset portfolio is diversified, and different asset classes will come together to yield high returns and solidify your financial future.

Peace of mind

It’s a fact that you won’t remain energetic forever. That said, when the time comes when you can no longer go to the office or your workplace, you need to be at peace knowing you create passive streams of income.

Building wealth requires a proper strategy and discipline. It’s important to engage a professional investment advisor who will provide the necessary information and insight for sustainable planning.

So what should you do right now? It’s critical that you familiarize yourself with Bitcoin as you start evaluating and auditing your investment portfolio.

We have created a step-by-step video guide for beginners, “Getting Started in Bitcoin,” that will help you understand the fundamentals. It provides a walkthrough for setting up an account for trading, and even how to secure your investments.

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