Buy the DIP, and HODL!

[ZeroVinsonN]

There investors that may not want to go in all at once, they may decide to keep some percentage of there discretionary income and them use the remaining percentage for buying the dip. As per being a low coiner ,

As you said, you can decide to buy dips. No one knows when the market price will dip and when it will be high.

Therefore, it is believed that buying through the DCA strategy without allocating some percentage of your discretionary income for dips will be the best option.

I agree with you, but your way of saying these matters is confusing…which in essence you got the idea right, which is just because we do not know if or whether dips will happen, that does not mean that it is a good idea to hold back value for buying dips that could have had otherwise been used to just buy bitcoin regularly.

At the end of the day and investor might not use all of his discretionary income to purchase bitcoin, let's suppose an investor already has around 5 months worth of emergency fund saved up so building an emergency fund is no longer part of their budget on how to spend their discretionary income, the investor could decide to invest as aggressively as 80% of his discretionary income into bitcoin but that begs the question of what to do with the remaining 20%, should that be saved up for buying the DIP? or should all 100% have been poured into bitcoin investment instead, you could decide to save for the dip but what is your guarantee that a dip will be happening any time soon, the point is that no one can really tell when a dip will happen so waiting for it becomes problematic, instead just keep investing with the DCA

Yes, you can also save for dips. But you don't know when the time for that dip will come. Therefore, it would be wise to buy more and more regularly through the DCA strategy without allocating money for dips.

It would be better to buy regularly without waiting for dips and to maintain discipline in your investment in a sustainable and stronger way.

Ultimately you got it correct.. especially for newbies.. You  since it can take a long time to just build up a bitcoin holdings, so it likely is better to focus on one’s own capacities, such as finances and how much can be put into bitcoin on a regular basis (such as weekly) rather than trying to figure out whether or not a dip might happen.

This is especially true for newbies, there is little to no point in worrying about a dip happening or not when you can just keep accumulating, bitcoin accumulation takes time and the only way to be successful in it is through consistency and you cannot be consistent if you are worrying about when a DIP is going to happen and whether or not to wait and buy that DIP when it happens which is not even a certainty since we don't even know if a dip will be happening any time soon.
So instead of waiting, a newbie should concentrate on building up their holdings above anything else, it's best to concentrate on this for at least one cycle at which time the investor would have had a reasonable bitcoin stash to his name.

There is a difference between when you have gone far and when you have reach overaccumulation stage and scraping some profit when you have not reach your overaccumulation stage is a bad idea and if you scrape out profit when your investment is not up to 4 years of holding you can be seen as a short term investors otherwise known as a trader. An investor always hold for long and never think of the profit untill they get to overaccumulation and we should not invest with so much attention to have profit because we can be dismay if the price went in opposite directions (Dip).

I get your point, but I don’t fully agree. Overaccumulation isn’t really a fixed stage, because everyone’s financial situation and risk tolerance are different. Some people might take profit earlier without it meaning they’re traders, it could just be part of their personal strategy. Holding long term is solid, but labeling anyone who takes profit before 4 years as a trader seems too rigid. Even long term investors sometimes adjust when circumstances change.

What can be considered as Over-accumulation is dependent on the investor since your financial standing can play a role is deciding what can be considered as having enough or more than enough bitcoin, but taking profit from your stash to early diminishes your status as an investor, an investor reason for taking out profit can be dependent on certain factors, it could be that the investor had a stipulated period of time in which he planned to invest for and when this time runs out they can decide to take profit from their bitcoin stash, it could also be value based or price based where they what to have a particular amount of bitcoin first or a value around a particular price range after which they can also decide to cash out on some profit, but the fundamental of these factors is that the investor had everything planned out from the beginning, this is why you have an emergency fund so that you don't ever have to take profit from your bitcoin earlier than initially planned, when you start derailing from your original investment plan you start losing you consistency as an investor which can ultimately lead to you falling into the classification of a trader, this is why you take measures to secure your investment so that you don't have to sell too early.

[JayJuanGee]

There investors that may not want to go in all at once, they may decide to keep some percentage of there discretionary income and them use the remaining percentage for buying the dip. As per being a low coiner ,

As you said, you can decide to buy dips. No one knows when the market price will dip and when it will be high.

Therefore, it is believed that buying through the DCA strategy without allocating some percentage of your discretionary income for dips will be the best option.

I agree with you, but your way of saying these matters is confusing…which in essence you got the idea right, which is just because we do not know if or whether dips will happen, that does not mean that it is a good idea to hold back value for buying dips that could have had otherwise been used to just buy bitcoin regularly.

At the end of the day and investor might not use all of his discretionary income to purchase bitcoin, let's suppose an investor already has around 5 months worth of emergency fund saved up so building an emergency fund is no longer part of their budget on how to spend their discretionary income, the investor could decide to invest as aggressively as 80% of his discretionary income into bitcoin but that begs the question of what to do with the remaining 20%, should that be saved up for buying the DIP? or should all 100% have been poured into bitcoin investment instead, you could decide to save for the dip but what is your guarantee that a dip will be happening any time soon, the point is that no one can really tell when a dip will happen so waiting for it becomes problematic, instead just keep investing with the DCA

Of course how aggressive a person is with his investment is discretionary (meaning within each person's choice).  Discretionary income can be used for consumption, investing or savings.. so usually a person will not spend 100% of his discretionary income on investing, even though he is free to do that.

I am not very thrilled with holding back value for buying dips, especially for new investors, yet people can do what they like, and I can imagine situations in which putting some money aside for buying dips would be reasonable for the person... such as if a person had already bought a bunch of bitcoin at a certain price, then maybe he would want to set some money aside for buying dips.

Let's go by your registration date and say that a person got started buying bitcoin in December 2024, and he had an income of $30k per year, and he was investing $100 per week into bitcoin since December 2024, yet maybe he had also getting more and more excited about bitcoin, and so around June of this year, he decided to take 20% from his various other investments - that he had been investing into for right around 10 years which added up to about $40k, so he was going to take $8k from those other investments and invest it into bitcoin. 

So maybe he did all of this in June, and since he already had the ongoing $100 per week investment going on, he had decided that he would invest $5k over the next 5 weeks at $1k per week (which he did between early June and mid July), so then after that he had $3k that he was saving for dips.. So then maybe he had figured out some prices that he would buy on dips for that amount.

Yeah, of course, we can see how anyone could get nervous about holding back so much for buying on dips.. but guys come to various conclusions.. and maybe he would not be requiring a large dip, or maybe he make some adjustments to his plans, and perhaps between June and now he had already used most of it for buying at various points, and he only had $1k remaining in the fund... so yeah, it is not obvious what to do, and some of us might conclude that he is wasting his time trying to wait for dips that may or may not come, even though since June there did end up being a couple of dips that might have had been enough to trigger buys.

On the other hand, if a guy with similar circumstances had gotten into bitcoin 6 years ago, in mid-2019, and maybe he had started out investing at $100 per week, and then he had a few lump sum amounts come in, and maybe by now, he had a similar situation where he ended up receiving $5k (from inheritance or something like that), so then he has the option to DCA, lump sum (buy right away) or buy on dips.  Guys are not going to decide the same way, yet they should at least consider that they have the three buying options (again assuming that his emergency funds/back up funds have been sufficiently built up to cover 4-5 months of expenses).

Yes, you can also save for dips. But you don't know when the time for that dip will come. Therefore, it would be wise to buy more and more regularly through the DCA strategy without allocating money for dips.

It would be better to buy regularly without waiting for dips and to maintain discipline in your investment in a sustainable and stronger way.

Ultimately you got it correct.. especially for newbies.. You  since it can take a long time to just build up a bitcoin holdings, so it likely is better to focus on one’s own capacities, such as finances and how much can be put into bitcoin on a regular basis (such as weekly) rather than trying to figure out whether or not a dip might happen.

This is especially true for newbies, there is little to no point in worrying about a dip happening or not when you can just keep accumulating, bitcoin accumulation takes time and the only way to be successful in it is through consistency and you cannot be consistent if you are worrying about when a DIP is going to happen and whether or not to wait and buy that DIP when it happens which is not even a certainty since we don't even know if a dip will be happening any time soon.
So instead of waiting, a newbie should concentrate on building up their holdings above anything else, it's best to concentrate on this for at least one cycle at which time the investor would have had a reasonable bitcoin stash to his name.

 Part of the reason that I frequently suggest that guys figure out ways to be able to buy bitcoin every week is so that they can be actively engaged with buying, including if there might be dips.. so yeah, overall it seems a good idea to just focus on regular buying rather than getting too worked up about trying to figure out when dips might  or might not happen.

There is a difference between when you have gone far and when you have reach overaccumulation stage and scraping some profit when you have not reach your overaccumulation stage is a bad idea and if you scrape out profit when your investment is not up to 4 years of holding you can be seen as a short term investors otherwise known as a trader. An investor always hold for long and never think of the profit untill they get to overaccumulation and we should not invest with so much attention to have profit because we can be dismay if the price went in opposite directions (Dip).

I get your point, but I don’t fully agree. Overaccumulation isn’t really a fixed stage, because everyone’s financial situation and risk tolerance are different. Some people might take profit earlier without it meaning they’re traders, it could just be part of their personal strategy. Holding long term is solid, but labeling anyone who takes profit before 4 years as a trader seems too rigid. Even long term investors sometimes adjust when circumstances change.

What can be considered as Over-accumulation is dependent on the investor since your financial standing can play a role is deciding what can be considered as having enough or more than enough bitcoin, but taking profit from your stash to early diminishes your status as an investor, an investor reason for taking out profit can be dependent on certain factors, it could be that the investor had a stipulated period of time in which he planned to invest for and when this time runs out they can decide to take profit from their bitcoin stash, it could also be value based or price based where they what to have a particular amount of bitcoin first or a value around a particular price range after which they can also decide to cash out on some profit, but the fundamental of these factors is that the investor had everything planned out from the beginning, this is why you have an emergency fund so that you don't ever have to take profit from your bitcoin earlier than initially planned, when you start derailing from your original investment plan you start losing you consistency as an investor which can ultimately lead to you falling into the classification of a trader, this is why you take measures to secure your investment so that you don't have to sell too early.

Sometimes it can be useful to provide some kind of an example.  Let's say that a guy with a $30k per year income started out investing in bitcoin in 2019 at $100 per week, so he has about 6 years investing in bitcoin and maybe he has been very aggressive and he invested close to $30k into bitcoin during such a short period of time and he was able to accumulate 1.4 bitcoin.

If his goal is to be able to generate an income of $40k per year from his bitcoin investment, he has not gotten far enough, yet.  With 1.4 bitcoin he would currently ONLY be able to sustainably withdraw slightly less than $7,500 per year, so he is not quite at his goal.. but he is making good progress... So his stash size should help to inform him how long it might take until his stash size or how it is progressing would be able to sustain ann income of $40k per year.

I personally think that if the guy was able to get to 1.8 BTC by mid 2031, he would be quite close to being able to support a $40k per year income on that quantity of BTC.  Of course, my calculations might not be correct in regards to the exact timeline or the exact quantity of bitcoin needed..yet we should be able to come to our own conclusions regarding these kinds of matters. 

In other words, we might not agree how to calculate, yet we still might be able to come up with calculations that we deem to be reasonable in regards to our targets and to adjust our behaviors in accordance with how close we are getting to our targets.

[De seer1]

Some of you might be thinking this is the only place that is kicking against people selling their Bitcoin. Some of you don't know how serious this campaign against selling your Bitcoin is out there. This is a notable figure in the Bitcoin industry who is also an investor (Michael Saylor) clamouring against selling Bitcoin. https://talkimg.com/images/2025/09/30/UQWt4o.jpeg

Hold your Bitcoin like your life depends on it.

Some folk tend to learn the hard way . Not selling is for your own good too , though those that have gone far with their investment can choose to scrape some profit if they feel like it . But those that are new you shouldn’t even be thinking of profits yet , you should focus on building your stash because is directly proportional to your profits the more your stash the more your profit when bitcoin. Surges

There is a difference between when you have gone far and when you have reach overaccumulation stage and scraping some profit when you have not reach your overaccumulation stage is a bad idea and if you scrape out profit when your investment is not up to 4 years of holding you can be seen as a short term investors otherwise known as a trader. An investor always hold for long and never think of the profit untill they get to overaccumulation and we should not invest with so much attention to have profit because we can be dismay if the price went in opposite directions (Dip).

You are right , i think in terms of long term discipline and understanding matters, the difference between going far investing and reaching the over accumulation stage, any one who understand that the time in the market  is more important than timing the market. the longer you hold through market cycle the more you might like benefit from your compound growth.
I get your point, but I don’t fully agree. Overaccumulation isn’t really a fixed stage, because everyone’s financial situation and risk tolerance are different. Some people might take profit earlier without it meaning they’re traders, it could just be part of their personal strategy. Holding long term is solid, but labeling anyone who takes profit before 4 years as a trader seems too rigid. Even long term investors sometimes adjust when circumstances change.

[laspol65]

I get your point, but I don’t fully agree. Overaccumulation isn’t really a fixed stage, because everyone’s financial situation and risk tolerance are different. Some people might take profit earlier without it meaning they’re traders, it could just be part of their personal strategy. Holding long term is solid, but labeling anyone who takes profit before 4 years as a trader seems too rigid. Even long term investors sometimes adjust when circumstances change.

People form emergency funds when they see that a bad situation will arise. Because in the present time, people do not want to expose their investments to any danger, so they give the most importance to prudent income and emergency funds and follow the DCA method every week. As a result of regular Bitcoin purchases, they are ready to earn more financially so that they can make more money with Bitcoin investments. An investor never neglects his investment, because Bitcoin investment is long-term, so it is most important to form an emergency fund to manage it.

[ColdLava40]

People form emergency funds when they see that a bad situation will arise. Because in the present time, people do not want to expose their investments to any danger, so they give the most importance to prudent income and emergency funds and follow the DCA method every week. As a result of regular Bitcoin purchases, they are ready to earn more financially so that they can make more money with Bitcoin investments. An investor never neglects his investment, because Bitcoin investment is long-term, so it is most important to form an emergency fund to manage it.

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

[Grace333]

Yes, there are investors that won't want to use all their discretionary income to buy Bitcoin at once so that they can save up money they will use to buy the dip. I don't buy the idea of saving up money to buy the dip because we don't know when it will happen, and if it happens, it could be the price that you refused to use all your discretionary income to buy Bitcoin at once. Instead of saving up money to buy the dip, i prefer using all my discretionary income to accumulate Bitcoin with the DCA strategy since it allows me to be consistent in accumulating Bitcoin, and it will also give me the opportunity to buy most dips that will happen.

You made a solid point about DCA. Staying consistent with buying no matter the market condition has proven to be one of the smartest ways to build Bitcoin over time. Like you said, waiting for the “perfect dip” is often a trap, because nobody knows when or where it will happen. Many end up holding cash aside only to buy later at higher prices. So yes, I get your point and I support that approach.

But let’s be a little more realistic here, when I read some people talking about putting 100% of their discretionary income into Bitcoin, I kind of feel a bit loss, because for me life doesn’t really work like that. My Discretionary income is not only for investment, it is obviously the extra after I have covered essentials, but even in that extra, there are always other small things that demand attention.. Somethings like holding a little casual fund at hand, I feel healthy doing that, also maybe it is buying a gift for your kids, maybe it is just covering other minor necessary expense.. Something talking about throwing 100% into Bitcoin and acting like nothing else exists outside of it is a bit unrealistic to me, respectfully speaking.  Life has other angles and a real man would understand the importance of keeping small funds aside for those purposes, just saying..

That is why I feel a balanced approach is healthier. I am not saying do not be committed to Bitcoin, because truly the more you commit now, the more the future reward. But instead of putting the whole discretionary income into Bitcoin, why not keep it realistic like 65-80%? That way you are still building your stack aggressively but also leaving room for those necessary side expenses that just make life manageable. This is just my view though..

[Jostern]

Everyone makes a lot of mistakes along the way, and it tends to take a  long time to build an investment portfolio, whether we are talking about investing into bitcoin or anything else.

you have to figure out ways to invest within your budget so that if you believe in the thing that you are investing into (such as bitcoin) then you can invest more aggressively into it, yet in the beginning, you might not really believe in it, and the main thing that you see is that historically it had gone up in price, yet you still have to figure out  a balance in your budget because you might not have a lot of spare money, which perhaps is part of the reason why you are getting nervous about your investment.

Also, no one wants to lose money, yet you should still approach the investment by ONLY investing your extra money that you would be willing to lose if either the investment went against you or you screwed some things up... so the fact that you have money that you might end up losing, you try to take measures to protect your investment and to keep learning about your investment so that you stay comfortable with it, especially for the first whole cycle (your first 4 years buying it).  

Surely if you are able to buy more in the beginning then you might have more options, yet many folks ONLY have extra money from their income or perhaps extra money that they might get from time to time.... which is part of the reason that it can still take a long time to really build your bitcoin stash size up into a meaningful amount.

Imagine that even if you are able to put 10% of your income into bitcoin, it is still going to take you 10 years before you have put a whole year's worth of income into bitcoin.  Sure, there could be ways that you might be able to be more aggressive and to be able to invest more than 10% of your income into bitcoin, yet then you still would be running up against the issue of possibly pushing yourself too much.. so you have to figure out some balance, and that balance comes from practice, doing it and reflecting upon what you are doing in terms fo figuring out if there might be some things that you might change, including considering your 9 factors and perhaps building systems around your 9 factors.

Making mistakes are quite common with human nature, and just as building and stacking bitcoin wouldn’t be an rollercoaster, which means it will definitely takes a lot of time and dedication to buy and building a successful bitcoin portfolio, I still say that if we have to achieve something big in life however achieving something extraordinary we would need time and dedication just as much as we need a strategy that would enable us to be able to buy and accumulate and sustain our bitcoin portfolio for a very long period, just as we have to figure out how to invest with what we have available in our leftover funds.

I would really emphasize more on having a good strategy that would create a balance into our discretionary income available, we might not really have all the money in the world, but just depends how zealous that we are to buy and accumulate bitcoin, we would try to figure out our expenses which are more basic and then we have to figure out how much that is left after our expenses then we would learn how much we can be able to buy on weekly basis and on a monthly basis still depending when we have availability of our discretionary income, which is why whenever the market prices goes up we would still want to figure out some differences and make adjustments and create a balance for ourselves.

However like you have said we can always make mistakes which are very common in life, and in nutshell we wouldn’t really be happy to find some difficulties which will tends towards us loosing money, which is why we can try more enough to be able to sustain our bitcoin investment but having this strategy to protects us in a long run because we would not like a situation where we would loose money, which is why it’s advisable to approach the market with money that are left over which is also known as a discretionary income, then we can decide to invest it into something meaningful like bitcoin that we enable us have an opportunity of profit tomorrow instead of something that wouldn’t otherwise add anything good into ourselves.

I believe not everyone who is interested in buying and investing in bitcoin would be able to approach through the lump sum, and not everyone that might be able to accumulate and stack enough bitcoin into their portfolio as soon as they start investing because of little discretionary income, which is why they might need a lot of time trying to build a portfolio, and there are also some individuals who will want to buy more aggressively through lump sum and through DCA by going full throttle, I know of some guys who have some enough discretionary income, that prefers buying lump sum because they intends to front load their bitcoin, and it’s good for them, because they are able to do it because they have a large amount of discretionary income.

I think whatever that we wouldn’t understand is that we would definitely require a lot of time to keep buying and investing into bitcoin, sometimes some guys and folks would think that one circle is enough for them, but they will realize that one circle isn’t enough for them and they will really like to continue with 2 circle before they can have a chance of having enough profit, depending how much we are able to invest into bitcoin in this duration of time that would determine how much we have been able to accumulate and stack into our Bitcoin portfolio.

You’re absolutely right Sir………

[Tonimez]

People form emergency funds when they see that a bad situation will arise. Because in the present time, people do not want to expose their investments to any danger, so they give the most importance to prudent income and emergency funds and follow the DCA method every week. As a result of regular Bitcoin purchases, they are ready to earn more financially so that they can make more money with Bitcoin investments. An investor never neglects his investment, because Bitcoin investment is long-term, so it is most important to form an emergency fund to manage it.

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

This is not a good idea. I don't know how you intend to replace Emergency funds with diversified investment of which I still don't know your area of interest when it comes to diversification. A real bitcoin investor makes a proper arrangement for a "cash" availability known as emergency funds. This money has to be made handy and accessible at all time if your hope to successfully hold your bitcoin for a long period of time. A diversified investment into shitcoins or altcoins is not a secured money since you may even loose the entire money which you diversified into shitcoins even before an emergency arises. Again, if you mean to diversify your investments into other areas outside crypto currency, let's say you diversify into real estates (which is one of the safest alternative), you may not have a quick sale in the event of emergency thereby defeating the goal for an emergency funds.

As a newbie who plan to succeed in bitcoin investment, you must not play too smart with your funds. Your bitcoin needs cushion and that is why we advocate for an emergency funds. Emergency situations don't announce it's occurrence, so there's no way you would possibly get a buyer (i.e if you invest into real estates) as at when necessary to take care of the unforeseen circumstances.

When setting up your investments strategy, your cashflow management is very important,  with your discretionary income, make provision for emergency funds and back up funds and then invest  by DCA in a less stressful manner. This will help you to successfully HODL without panicking when volatility sets in or selling prematurely due to emergency situations.

[sotelorene]

People form emergency funds when they see that a bad situation will arise. Because in the present time, people do not want to expose their investments to any danger, so they give the most importance to prudent income and emergency funds and follow the DCA method every week. As a result of regular Bitcoin purchases, they are ready to earn more financially so that they can make more money with Bitcoin investments. An investor never neglects his investment, because Bitcoin investment is long-term, so it is most important to form an emergency fund to manage it.

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

The best way to make sure you don't spend your Bitcoin investment which is selling premature is to have or create a strong emergency funds in case of emergency. Emergency funds plays a very vital role in our Bitcoin investment and it is very necessary after you might have started your Bitcoin investment.

Your idea to diversify your investment or funds is too early, the only period you should think of diversifying your funds is when you have gotten to overaccumulation stage in your Bitcoin investment so you don't make mistakes. And it is wise not to diversify in Bitcoin related stuff.

[danadc]

Whatever the price of Bitcoin, as an investor, how much money you can invest in Bitcoin is important for you and how much money you can continue to invest in Bitcoin is also important for you. You just keep investing in Bitcoin according to your convenience and hold it deeply, and after a certain period of time, you will see that your total investment amount is sufficient to invest little by little. We will not be disappointed in advance, no matter how difficult the task is, if we do not do that task easily, then it is easier for us to do that task. 
Therefore, you should think about investing simply and continue this investment with ease.

I am clear about what I am going to do, continue buying BTC in the long term, if I see the price, I cannot deny that I am happy when it goes up in price, but when it goes down in price I take advantage of buying something, not much but to say that sometimes I have seen a dip so low that I have tried to lend money to buy when I have nothing, I do not regret it, because lending 50usd that will later turn into large profits is what is worth it, with work it pays off and it is an investment for the future.

[ZeroVinsonN]

There investors that may not want to go in all at once, they may decide to keep some percentage of there discretionary income and them use the remaining percentage for buying the dip. As per being a low coiner ,

As you said, you can decide to buy dips. No one knows when the market price will dip and when it will be high.

Therefore, it is believed that buying through the DCA strategy without allocating some percentage of your discretionary income for dips will be the best option.

I agree with you, but your way of saying these matters is confusing…which in essence you got the idea right, which is just because we do not know if or whether dips will happen, that does not mean that it is a good idea to hold back value for buying dips that could have had otherwise been used to just buy bitcoin regularly.

At the end of the day and investor might not use all of his discretionary income to purchase bitcoin, let's suppose an investor already has around 5 months worth of emergency fund saved up so building an emergency fund is no longer part of their budget on how to spend their discretionary income, the investor could decide to invest as aggressively as 80% of his discretionary income into bitcoin but that begs the question of what to do with the remaining 20%, should that be saved up for buying the DIP? or should all 100% have been poured into bitcoin investment instead, you could decide to save for the dip but what is your guarantee that a dip will be happening any time soon, the point is that no one can really tell when a dip will happen so waiting for it becomes problematic, instead just keep investing with the DCA

Of course how aggressive a person is with his investment is discretionary (meaning within each person's choice).  Discretionary income can be used for consumption, investing or savings.. so usually a person will not spend 100% of his discretionary income on investing, even though he is free to do that.

I am not very thrilled with holding back value for buying dips, especially for new investors, yet people can do what they like, and I can imagine situations in which putting some money aside for buying dips would be reasonable for the person... such as if a person had already bought a bunch of bitcoin at a certain price, then maybe he would want to set some money aside for buying dips.

And since dips aren't guaranteed to happen, saving up for it becomes too much of a hassle for any people to handle so it makes more sense to just put the most of it into DCAing and free one's self from unnecessarily having to wait and lose out on alot of good buying opportunities

Let's go by your registration date and say that a person got started buying bitcoin in December 2024, and he had an income of $30k per year, and he was investing $100 per week into bitcoin since December 2024, yet maybe he had also getting more and more excited about bitcoin, and so around June of this year, he decided to take 20% from his various other investments - that he had been investing into for right around 10 years which added up to about $40k, so he was going to take $8k from those other investments and invest it into bitcoin. 

So maybe he did all of this in June, and since he already had the ongoing $100 per week investment going on, he had decided that he would invest $5k over the next 5 weeks at $1k per week (which he did between early June and mid July), so then after that he had $3k that he was saving for dips.. So then maybe he had figured out some prices that he would buy on dips for that amount.

Yeah, of course, we can see how anyone could get nervous about holding back so much for buying on dips.. but guys come to various conclusions.. and maybe he would not be requiring a large dip, or maybe he make some adjustments to his plans, and perhaps between June and now he had already used most of it for buying at various points, and he only had $1k remaining in the fund... so yeah, it is not obvious what to do, and some of us might conclude that he is wasting his time trying to wait for dips that may or may not come, even though since June there did end up being a couple of dips that might have had been enough to trigger buys.

In a situation like this with the $8k from other of his already established investments, DCAing the funds like with the $5k over 5 weeks makes a lot of sense since he is relatively new to bitcoin investment (less then a year) but someone in a different situation could decide to put that $5k into lump sum purchase and be done with it, this is riskier as volatility could come into play while DCAing will set the investors mind at relative peace since the DCA method takes volatility into consideration with the money being spread out over 5 weeks rather than just purchase at a go, but depending on the investors choice then either method could definitely work out for him as far as I'm concerned, and also keeping $3k aside for buying potential dips also seems like a good idea even I would have preferred to adding it all to the DCA method and remove the risk of putting himself into any form of psychological stress while looking at for good DIPs to buy from. So while all 3 methods work out in some relatively reasonable ways, I would still prefer DCA>LUMP SUM>DIP

On the other hand, if a guy with similar circumstances had gotten into bitcoin 6 years ago, in mid-2019, and maybe he had started out investing at $100 per week, and then he had a few lump sum amounts come in, and maybe by now, he had a similar situation where he ended up receiving $5k (from inheritance or something like that), so then he has the option to DCA, lump sum (buy right away) or buy on dips.  Guys are not going to decide the same way, yet they should at least consider that they have the three buying options (again assuming that his emergency funds/back up funds have been sufficiently built up to cover 4-5 months of expenses).

Experience plays an important role in how a bitcoin investor goes about his investment strategy and 6 years can count as alot of experience in my book, (I definitely don't have 6 years of bitcoin investment experience) $5k extra discretionary fund would be a major boost to his bitcoin investment after already spending potentially around $30k in his 6 years of investment he could decide to put this extra into buying the DIP, but then again dealing with the issue of waiting for a dip to happen can be a hassle so instead the best strategies would be DCA  and LUMP SUM, he is already experienced with DCAing, not considering other methods he might or might not have used during those 6 years so choose to spread that $5k though 5 weeks or even 10 weeks would still work out in his favour, he could also decide to lump sum the whole amount right away and increase his stash by $5k worth of bitcoin as soon as possible with the assumption that he already has about 5 months worth of emergency fund on the side then he is quite ready to go with any method that might appeal to him.
[/quote]

[amihada]

Snip

Of course how aggressive a person is with his investment is discretionary (meaning within each person's choice).  Discretionary income can be used for consumption, investing or savings.. so usually a person will not spend 100% of his discretionary income on investing, even though he is free to do that.

A wise investment strategy supported by proper risk management is an important step that investors need to take to achieve their financial goals in the future. As we all know, Bitcoin investment does offer the potential for high returns, but it also involves the risk of significant price volatility, so investors must make wise investment decisions based on their risk tolerance and long-term goals. DCA is the best option and does not seem rushed or emotional in making purchases because investors can still manage finances from discretionary income to cover other needs. After that, it would be better if it was combined with a long-term strategy to take advantage of the potential for value growth.

I am not very thrilled with holding back value for buying dips, especially for new investors, yet people can do what they like, and I can imagine situations in which putting some money aside for buying dips would be reasonable for the person... such as if a person had already bought a bunch of bitcoin at a certain price, then maybe he would want to set some money aside for buying dips.

Admittedly, buying when prices are falling can be an effective investment strategy, but it requires a clear investment strategy and good risk management to deal with when prices continue to fall because this situation is very difficult to predict when prices will rise again. If a novice investor experiences a case like this, they must remain calm and not make investment decisions based on emotions. It is also important to monitor the market regularly and make adjustments if necessary.

[AirtelBuzz]

People form emergency funds when they see that a bad situation will arise. Because in the present time, people do not want to expose their investments to any danger, so they give the most importance to prudent income and emergency funds and follow the DCA method every week. As a result of regular Bitcoin purchases, they are ready to earn more financially so that they can make more money with Bitcoin investments. An investor never neglects his investment, because Bitcoin investment is long-term, so it is most important to form an emergency fund to manage it.

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

This is especially true a self respecting investor always thinks that the best way to avoid spending Bitcoin prematurely or unnecessarily is to save it for the long term and not make emotional decisions based on market fluctuations, in addition creating an emergency fund is compulsory.

My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC.

It may be reasonable to diversify your savings because if you have multiple sources of income and a side job, you can diversify your savings at any time, which will provide good support for necessary tasks. Investors have their own rights, so you can invest any amount of money you want, even in investments that are not holdings like BTC, but you should be careful that it is not too risky compared to Bitcoin.

If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

Even if someone uses the best methods in the world in every investment strategy, they may still need an emergency fund to live safely. If we all have other readily available assets, they can be used before touching Bitcoin, as you said. But the important thing is that only an emergency fund ensures financial stability in unwanted situations and protects anyone from unexpected financial stress.

[HistoLock]

Snip

Of course how aggressive a person is with his investment is discretionary (meaning within each person's choice).  Discretionary income can be used for consumption, investing or savings.. so usually a person will not spend 100% of his discretionary income on investing, even though he is free to do that.

A wise investment strategy supported by proper risk management is an important step that investors need to take to achieve their financial goals in the future. As we all know, Bitcoin investment does offer the potential for high returns, but it also involves the risk of significant price volatility, so investors must make wise investment decisions based on their risk tolerance and long-term goals. DCA is the best option and does not seem rushed or emotional in making purchases because investors can still manage finances from discretionary income to cover other needs. After that, it would be better if it was combined with a long-term strategy to take advantage of the potential for value growth.

I am not very thrilled with holding back value for buying dips, especially for new investors, yet people can do what they like, and I can imagine situations in which putting some money aside for buying dips would be reasonable for the person... such as if a person had already bought a bunch of bitcoin at a certain price, then maybe he would want to set some money aside for buying dips.

Admittedly, buying when prices are falling can be an effective investment strategy, but it requires a clear investment strategy and good risk management to deal with when prices continue to fall because this situation is very difficult to predict when prices will rise again. If a novice investor experiences a case like this, they must remain calm and not make investment decisions based on emotions. It is also important to monitor the market regularly and make adjustments if necessary.

I think if you buy when the price is falling, then you can make a profit by investing in the long term. But you should always keep in mind that if it continues to fall, there may be risks. If it continues to fall, then you should forget that you have invested, because I think if a person sees that the market has fallen and is still falling, in such a situation, his invested money is high, he will be stressed and may sell out of fear. So I would say that in this situation, you should forget that you have invested, then you can survive in all situations. Yes, it is certainly true that buying when the price falls is a strategy, but you cannot apply it all the time. But if you have been investing for a long time, then you will definitely observe the market and you will be able to move your investment forward.

[Fuso.hp]

Some of you might be thinking this is the only place that is kicking against people selling their Bitcoin. Some of you don't know how serious this campaign against selling your Bitcoin is out there. This is a notable figure in the Bitcoin industry who is also an investor (Michael Saylor) clamouring against selling Bitcoin.

Hold your Bitcoin like your life depends on it.

Some folk tend to learn the hard way . Not selling is for your own good too , though those that have gone far with their investment can choose to scrape some profit if they feel like it . But those that are new you shouldn’t even be thinking of profits yet , you should focus on building your stash because is directly proportional to your profits the more your stash the more your profit when bitcoin. Surges

What you mean is that we consider investing in Bitcoin as a means of accumulation. If we only talk about savings, then many investors will say that banks are safer for saving.

It is not unreasonable to keep money in the bank, but it is unreasonable to keep all your savings in the bank because the bank is doing business with your money while you are leaving money with the bank. If we cannot take some risk of money, then we will never be able to change the amount of our money. I have also heard many stories where people have invested their retirement money in Bitcoin, and then withdrawn a part of their entire savings and bought Bitcoin just for the future. If so many people can trust Bitcoin, then why can't we trust Bitcoin? There are big investors who regularly advise us to hold Bitcoin deeply.
From where did the market come to this level, but we all know, if we do not trust to invest in Bitcoin despite knowing the overall condition of the market, then it is definitely our failure. 
However, for those who are afraid to invest or who are new to investing, I have only one piece of advice: invest in Bitcoin and risk some money. This decision could be the turning point in your life.

[Justbillywitt]

~~~

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

Nothing beats having cash stacked up as emergency funds. I don't really care how you are trying to sugar coat this your assets diversification for emergencies, what if those readily available assets you are speaking of are not in a condition to generate money when the emergency need struck? Please don't make this mistake. You can have other assets as you like,  but please for the security of your investment, keep cash reserve specially dedicated as emergency funds.

[liasbaa]

People form emergency funds when they see that a bad situation will arise. Because in the present time, people do not want to expose their investments to any danger, so they give the most importance to prudent income and emergency funds and follow the DCA method every week. As a result of regular Bitcoin purchases, they are ready to earn more financially so that they can make more money with Bitcoin investments. An investor never neglects his investment, because Bitcoin investment is long-term, so it is most important to form an emergency fund to manage it.

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

The best way is to have an emergency fund and have it in your hands. An emergency fund is money that is needed immediately in an emergency and should not be kept in any other form. If you do not want to sell your Bitcoin investment before it matures, you must have a cash emergency fund. This can provide maximum protection to your investment. This is the best way to avoid spending Bitcoin in the early period. You can diversify your assets but it is not clear from your writing whether you will use shitcoins or physical assets for diversification. Since you mentioned easily accessible assets, I think the amount you should have as an emergency fund should be in cash.

[Alonso_]

Part of the reason that I frequently suggest that guys figure out ways to be able to buy bitcoin every week is so that they can be actively engaged with buying, including if there might be dips.. so yeah, overall it seems a good idea to just focus on regular buying rather than getting too worked up about trying to figure out when dips might  or might not happen.

That is true, I think one of the most efficient way of buying bitcoin should be on a weekly basis, which is why I try every possible means to figure out my cashflow and try to adjust to my weekly expenses and to ensure that I’m able to buy and and maintain my consistency of buying on a weekly basis, and also I think focusing on regular buying of bitcoin is just more efficient instead of waiting for an unprecedented dip that would make us mix out on opportunities.

As a low coiner or a pleb, who desperately wants to stack enough bitcoin I would like a situation were I have to buy bitcoin on a weekly basis, and it will be good for my fellow plebs to do as such, and also try to figure out how to buy bitcoin on a weekly basis if the opportunity is available.

[Stormisover]

People form emergency funds when they see that a bad situation will arise. Because in the present time, people do not want to expose their investments to any danger, so they give the most importance to prudent income and emergency funds and follow the DCA method every week. As a result of regular Bitcoin purchases, they are ready to earn more financially so that they can make more money with Bitcoin investments. An investor never neglects his investment, because Bitcoin investment is long-term, so it is most important to form an emergency fund to manage it.

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

One of the best way to protect your Bitcoin from not spending it prematurely is by prioritizing your basic needs over your Bitcoin investment and by only investing when there is a discretionary income meaning that you are not using the money that is meant to take care of your essential needs to buy Bitcoin then also consider having an emergency funds for unexpected expenses.

No one is ever advised to put all their money in Bitcoin instead you are to invest from your discretionary income.
 
I am waiting to see the kind of liquidity investment you want to consider putting your emergency funds, but my question is is it not going to compromise the reason for emergency funds when it comes to accessibility for it to be used as when needed?

Part of the reason that I frequently suggest that guys figure out ways to be able to buy bitcoin every week is so that they can be actively engaged with buying, including if there might be dips.. so yeah, overall it seems a good idea to just focus on regular buying rather than getting too worked up about trying to figure out when dips might  or might not happen.

That is true, I think one of the most efficient way of buying bitcoin should be on a weekly basis, which is why I try every possible means to figure out my cashflow and try to adjust to my weekly expenses and to ensure that I’m able to buy and and maintain my consistency of buying on a weekly basis, and also I think focusing on regular buying of bitcoin is just more efficient instead of waiting for an unprecedented dip that would make us mix out on opportunities.

As a low coiner or a pleb, who desperately wants to stack enough bitcoin I would like a situation were I have to buy bitcoin on a weekly basis, and it will be good for my fellow plebs to do as such, and also try to figure out how to buy bitcoin on a weekly basis if the opportunity is available.

Most important thing is that you are buying Bitcoin, consistently and persistently and it doesn't necessarily matter when you are buying it, it can be weekly or monthly and according to your income flow, just keep buying that is what matters in my own opinion.

[SPIDERMAN008]

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

Any type of investment is risky. You said that if you invest in another sector without keeping an emergency fund and in an emergency situation you will solve the problem by taking money from there, you will not have to sell Bitcoin. But I think that no matter what type of investment you make, you should always keep a back-up fund. Now you have decided to invest in Bitcoin for many years. But without keeping an emergency fund, you invested in another sector with that. But the problem will be if the sector you have invested in starts to lose for some reason and at the same time you need a lot of money for some urgent need, then you will not be able to take money from your alternative investment because it has already lost. And since you have no back-up fund, you will be forced to sell Bitcoin. And if at that time the price of Bitcoin has fallen and stopped, you will face a lot of losses. Therefore, it is very important to establish an emergency fund and reserve fund in Bitcoin investment.