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You're right, and the calculator doesn't hide it. If your stack is mostly BTC, your freedom time will swing with price. The most honest use of the calculator with BTC is probably to run it at a conservative BTC price and treat the result as a floor, not a forecast. It is hard to predict future ...
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Yes, you do miss something important. While USD cost of living can be somewhat extrapolated from inflation, bitcoin price is unpredictable. So your BTC stack value in "time" will fluctuate as wildly as in USD.