Rajat Soni, CFABitcoin Retirement Accelerator Apply

The Bitcoin Retirement Accelerator

You did everything right.
The math still does not work.

A retirement plan built around Bitcoin, by a CFA charterholder who spent almost a decade inside finance. Ninety days to build the plan, a year of support while you run it, and a retirement date 10 or more years earlier than the one you are on.

Watch the training Apply for a spot

CFA charterholder · 42,000 YouTube subscribers · 14,000 newsletter readers

Rajat Soni, CFA
Rajat Soni, CFA
Almost a decade in finance. Now teaching Bitcoin and personal finance full time.

Twelve minutes that change the order you do things in.

How the plan works, and why the order of operations matters more than the asset.

Short on time? Watch the two minute invitation instead.

The retirement math

Saving stopped working. The gap is the proof.

Saved by the average 45 year old Under $100,000
Needed to retire comfortably at 65 $2M to $3M

Both figures from Rajat's newsletter. Bars drawn to the same scale.

I am going to tell you something that nobody in finance wants to say out loud. The average 45 year old has less than $100,000 saved for retirement. To retire comfortably by 65, maintain your lifestyle, cover healthcare, not run out of money, a 45 year old will need to have somewhere between $2 and $3 million. Rajat Soni, Mindful Money

No savings rate closes that. You would have to put away more than most people earn, for twenty straight years, and nothing can go wrong. That is not a discipline problem. It is a vehicle problem.

Where Bitcoin comes in

Bitcoin closes the gap. It does not fix the foundation underneath it.

Most people do this backwards. They buy first, on a balance sheet that leaks, with no allocation logic and no holding period. Then the first real drawdown arrives and they sell into it, which converts an asset that needed years into a loss that took months.

The order is the whole thing. Fix the cash flow and the net worth first, so the position can actually be built and actually be held. Then size it, hold it, and borrow against it rather than selling it. Do it in that order and the retirement date moves. Do it in the wrong order and you own the right asset in a structure that guarantees you let go of it.

How the 90 days work

Ninety days to learn what took Rajat four and a half years.

Stage 01

Fix the foundation

Stage one has nothing to do with buying Bitcoin. Cash flow and net worth get handled first, because no asset rescues a balance sheet that leaks. This is the stage everybody skips, and it is why their position never gets big enough to matter.

  • →Where the money actually goes
  • →What the net worth actually is
  • →What has to change before you buy
Stage 02

Build the plan

The structured content. Allocation, the four year hold rule that has worked every cycle so far, custody, and the buy borrow die idea applied to Bitcoin rather than to real estate. It is the compressed version of four and a half years of Rajat's own work.

  • →How much, and why that much
  • →The four year hold rule
  • →Custody, done properly
  • →Borrow against it, do not sell it
Stage 03

Run it for a year

A live mastermind every week with Rajat and the rest of the cohort, where you bring your real numbers rather than hypotheticals. Support runs a full year, because the first serious drawdown is where plans get abandoned, and the point is to still be holding on the other side of one.

  • →Weekly live session, not a recording
  • →Your decisions, reviewed out loud
  • →A full year, not ninety days

Stages two and three follow the themes Rajat teaches publicly: the four year hold rule, why over leverage rather than volatility is what actually ruins people, allocation, and custody. The full curriculum is his to walk you through before you join.

Fit

This is built for a narrow person. It is worth ten seconds to check it is you.

Built for

  • →Professionals, executives and business owners, roughly 30 to 55
  • →Earning $100K or more and doing everything the textbook said to do
  • →People who can think in 5 to 20 year terms without flinching
  • →People who want to run their own plan and understand every part of it
  • →Anyone who wants to retire 10 or more years before the default path allows

Not for

  • ×Day traders, and anyone hunting entries and exits
  • ×Get rich quick. Nothing here compounds inside a quarter
  • ×Anyone who cannot think 5 to 20 years out
  • ×People who want their money managed for them. This is not that
  • ×Anyone not yet earning serious income. Fix that first
5.5M+Views on YouTube
42,000Subscribers at @rajatsonifinance
14,000Readers of the Mindful Money newsletter
Canadian Bitcoin ConferenceSpeaker, Toronto, October 2026
CFA charterholderAlmost a decade inside finance

About Rajat

Rajat Soni

The credential is the point.

Rajat Soni is a CFA charterholder who spent almost ten years inside finance before leaving to teach Bitcoin and personal finance full time. He is based in Toronto.

He does not trade and he does not sell price targets. His subject is retirement planning, wealth preservation and allocation, with Bitcoin as the asset that makes the rest of the plan work. It is the same analysis he was paid to do inside the industry, applied to an asset most of that industry still refuses to underwrite properly.

He debated Peter Schiff, one of the best known Bitcoin critics alive, and he did it on the numbers rather than the slogans. He publishes to 42,000 subscribers on YouTube, writes the Mindful Money newsletter to 14,000 readers, and speaks at the Canadian Bitcoin Conference in Toronto in October 2026. The Accelerator is where that work stops being content and becomes a plan you actually run.

YouTube Mindful Money newsletter Instagram

From the cohort

What members say.

Member

QUOTE GOES HERENAME, ROLE

Member

QUOTE GOES HERENAME, ROLE

Join the next cohort

One payment. One year. A plan you own outright.

$5,800USD, one time
Limited spots each cohort.
Twelve members since the May 2026 launch.
  • →The full 90 day Accelerator curriculum
  • →Weekly live mastermind with Rajat and the cohort
  • →One year of support, not ninety days
  • →The foundation work first, so the Bitcoin position is built on something
Apply for a spot Watch the training first

Applications go straight to Rajat at rajatsonifinance@gmail.com. Tell him where you are now and what you want retirement to look like.

Questions

Answered before you ask them.

Is this a trading program?

No. There are no entries, exits or signals. The core discipline is the four year hold rule, and the plan sits on a 5 to 20 year horizon. If you want to trade, this is the wrong program and Rajat will tell you so.

Do I need to already own Bitcoin?

No. Stage one fixes the financial foundation, cash flow and net worth, before you buy any Bitcoin at all. Arriving with nothing is fine. Arriving with a position and no plan is also fine, and more common than you would think.

How much time does it take each week?

The content runs across ninety days and the live mastermind is weekly. Beyond that it is your own numbers and your own decisions, so the honest answer is that the work scales with how far your foundation has to move.

What happens after the year?

You keep the plan, because it is yours. The year of support exists so that you get through at least one real drawdown with somebody experienced to talk to, which is the moment most people quit.

Is the price one time, or a subscription?

One time. $5,800 USD covers the course content, the weekly live mastermind and one year of support. There is no monthly fee and nothing is tied to what your position does.

Who is this not for?

Day traders, anyone looking to get rich inside a quarter, anyone who cannot think 5 to 20 years out, anyone who wants their money managed for them, and anyone not yet earning serious income. That last one is not a judgment, it is a sequencing problem. Fix the income first and come back.

The default path has you retiring at 65 with a gap you cannot save your way out of.

Ninety days of work and a year of support is a small price to move that date forward by a decade. Tell Rajat where you are now.

Apply for a spot Watch the training