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 No but 3.125 bitcoin definitely is  
 Please explain 
 if you're spending the sats

over time, even though the sats balance will decrease...

your purchasing power will increase as adoption grows and fiat price goes up 
 Right. But you're saying you would retire at this moment on ~3 Bitcoin? I don't believe you 
 I wouldn't because I will probably never retire 

but you definitely could