It’s Not Too Late: How to Retire a Multimillionaire Starting at 45 with Just $50 a Day
- Silivere Bakomeza
- Jun 7
- 4 min read
Updated: Jun 8
You might be behind.
But you’re not done.
If you’re 45, and you plan to retire around 65, that gives you 20 full years to change your entire financial trajectory. Not overnight. But consistently.
The average person panics when they realize they’re “behind.”
They either freeze up and do nothing, or they try to swing big and end up losing more.
But the smartest play isn’t chasing risk — it’s building a system.
Let’s Break Down the Math
Here’s what $50/day looks like over 20 years:
$50/day × 5 days/week × 52 weeks = $13,000/year
$13,000/year × 20 years = $260,000 invested
At a conservative 10–12% annual return = $1.1M to $1.2M
At 15–18% (what some assets like Bitcoin have returned over the long run) = $2M to $3M+
That’s with:
No side hustle
No second job
No windfall
Just $50/day and the habit of sticking to it
What’s Eating That $50 Right Now?
You don’t have to “find” an extra $50/day.
Most people already spend that much without realizing it.
Here’s what $50 looks like in real life:
$12 at Starbucks + $15 lunch + $7 gas = $34
$100 cable or phone bill = $3.33/day
$250/month car payment = $8.33/day
$300/month subscription bundles = $10/day
Total: $50+ a day spent on things that never pay you back.
So when people say they “can’t afford to invest,” what they usually mean is:
“I didn’t realize I was already spending it.”
Most People Make This Mistake at 45
They say:
“I’ll never catch up. It’s too late.”
So they freeze.
They don’t start.
They think their only option is to work forever or gamble on risky trades.
But the truth is: consistency compounds faster than regret.
If you start today and automate your plan, you’ll be ahead of 90% of people your age — because most people won’t take the first step.
What If You Have Debt? A Family? A Tight Budget?
Let’s be real: $50/day isn’t easy for everyone.
Especially if you’re supporting a family or dealing with credit card debt.
But here’s what I believe:
If you can do $10/day — start there
If you can automate a weekly buy — do that
If you need to pay off debt first — be aggressive, then come back stronger
Even a reduced version of this plan builds momentum.
And that momentum matters more than the size of your first deposit.
You don’t need to start perfect.
You just need to start for real.
What I’m Doing Personally (No Theories Here)
I’m buying $50 of MicroStrategy ($MSTR) every weekday — publicly — for the next 20 years.
I’m not just investing.
I’m documenting the journey at BakoInvest.com.
No secrets. No filters. Every week I post:
My MSTR position
My average cost
My thoughts during up and down markets
I chose $MSTR because it’s backed by:
555,450 BTC
A founder with long-term conviction
A strategy that mirrors my own: accumulate, hold, and ignore the noise
If you’re curious about why I’m betting on just one stock, read my flagship post here.
How to Start (Without Overthinking It)
You don’t need a finance degree. You don’t need a perfect portfolio. You just need a process you trust and tools that make it easy to stay consistent.
Here are the platforms I personally use — and recommend:
Start Your Investing Journey
Open a Webull account — get free stocks
Great for tracking your long-term stock positions like $MSTR
Buy and track crypto with Crypto.com — ideal for exploring altcoins and passive crypto DCA
Use Robinhood to invest in stocks and crypto commission-free — great for beginners stacking small daily buys
Disclosure: Some links above are affiliate links. I may earn a commission if you sign up, at no extra cost to you. I only recommend tools I actually use.
What You’re Really Building
You’re not just building a portfolio.
You’re building:
Peace of mind
A path out of survival mode
A system your kids can follow
A reason to wake up and stack — even on bad days
It’s bigger than just investing.
It’s a form of self-respect.
You’re proving to yourself that you didn’t give up just because you started late.
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Final Word
It’s not too late.
Not if you’re reading this.
Not if you’ve got $50 and a little discipline.
The market rewards consistency.
Life rewards people who keep showing up.
If you’re 45, this plan won’t just help you catch up.
It could make you a multimillionaire — on your terms.
Start now.
And let the future prove you right.
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