JJG’s Outline of Bitcoin Investment Ideas

[cyberninja2]

Yes, it is very difficult to say when the danger will come, but we need to hold our Bitcoin holdings in case of future danger and that is why we have an emergency fund. An emergency fund holds the investment so securely that it is able to face any danger in the future. It is certainly possible to sustain Bitcoin investment for a long time according to the plan, but in the current situation, we definitely need discretionary income the most to keep Bitcoin investment safe.

Of course this is something we must maintain so I took the liberty of expressing it in this forum. The goal is for us all to not underestimate funds which are sometimes unimportant for people with ample capital or sufficient finances. But speaking in general sometimes we get out of control when it comes to such things. Therefore by discussing emergency funds at least there's a reminder with the common goal of remembering to set aside some of the profits or income we earn from our jobs.

Because one day the funds will be our savior especially sometimes we invest the funds by accumulating BTC through the DCA method which later when we are in difficult times of course by having what we invested we can immediately sell it and this is if our position is selling because we have no other way so we sell what we have invested sometimes the goal we invested has not yet reached its time, but when the position requires it and we can do it as soon as possible the point is that with the funds we set aside (emergency funds) we will not experience things we did not expect.

[tvplus006]

You do it by taking money or retirement funds to accumulate by buying more Bitcoin this is an extraordinary decision because if at that time you do not do it to increase your assets of course I think the money will run out without realizing it because at that time sometimes there are two thoughts that you should be a little confused why because if you do not do it to invest of course the money will run out too so your decision is still to choose to buy Bitcoin by increasing your assets for your future by accumulating Bitcoin by doing DCA so this is one of the right steps you take and this is one day I should give an example.

A good example of long-term investing using a cost-of-purchase Averaging (DCA) strategy is the story of a guy who bought $30 worth of BTC daily for 7 years, 10 months, and 12 days and created a $1 million portfolio- https://crypto.news/30-to-1m-how-this-bitcoin-investor-turned-spare-change-into-seven-figures/ In total, he spent $86,370.

[NeuroticFish]

A good example of long-term investing using a cost-of-purchase Averaging (DCA) strategy is the story of a guy who bought $30 worth of BTC daily for 7 years, 10 months, and 12 days and created a $1 million portfolio- https://crypto.news/30-to-1m-how-this-bitcoin-investor-turned-spare-change-into-seven-figures/ In total, he spent $86,370.

It may worth mentioning that the vast majority of people don't have the income necessary for such a DCA.
So let's just say that this person was from start far from poor and those dreaming to such DCA need to adjust.. a lot.
Of course, that doesn't mean they should despair, since every bit counts.

[tvplus006]

A good example of long-term investing using a cost-of-purchase Averaging (DCA) strategy is the story of a guy who bought $30 worth of BTC daily for 7 years, 10 months, and 12 days and created a $1 million portfolio- https://crypto.news/30-to-1m-how-this-bitcoin-investor-turned-spare-change-into-seven-figures/ In total, he spent $86,370.

It may worth mentioning that the vast majority of people don't have the income necessary for such a DCA.
So let's just say that this person was from start far from poor and those dreaming to such DCA need to adjust.. a lot.
Of course, that doesn't mean they should despair, since every bit counts.

Of course, everyone has different financial options, and not everyone can afford to invest $30 a day, but if you stick to this strategy and invest $3 a day (90 bucks a month), you'll end up with about $100,000 over the same period of time. Which, you will agree, is also a good result of DCA.

[alankasman]

It may worth mentioning that the vast majority of people don't have the income necessary for such a DCA.
So let's just say that this person was from start far from poor and those dreaming to such DCA need to adjust.. a lot.
Of course, that doesn't mean they should despair, since every bit counts.

I don't think that's necessary, as some people only have enough to meet their needs, while others, with limited income, still invest, even with small amounts. Their consistent investment deserves appreciation.
And those of us with substantial incomes who invest daily shouldn't look down on those who invest less than we do daily, weekly, or even monthly.

[NeuroticFish]

but if you stick to this strategy and invest $3 a day (90 bucks a month), you'll end up with about $100,000 over the same period of time. Which, you will agree, is also a good result of DCA.

That's what I meant by "every bit counts".
Just imho the low amounts pose a different risk: if one is not careful enough he may lose a bit much on withdrawal or tx fees, making it make more sense to consider instead 21$ every week or 90$ a month, but in some cases keeping such amount of money untouched for a month can be a challenge.

And those of us with substantial incomes who invest daily shouldn't look down on those who invest less than we do daily, weekly, or even monthly.

I don't have substantial income nor very good investment plan, plus my intention was not to look down to such people, instead say "hats off" and point out (far from new, but still worthwhile) solutions better fitted for smaller amounts.

[JayJuanGee]

You do it by taking money or retirement funds to accumulate by buying more Bitcoin this is an extraordinary decision because if at that time you do not do it to increase your assets of course I think the money will run out without realizing it because at that time sometimes there are two thoughts that you should be a little confused why because if you do not do it to invest of course the money will run out too so your decision is still to choose to buy Bitcoin by increasing your assets for your future by accumulating Bitcoin by doing DCA so this is one of the right steps you take and this is one day I should give an example.

A good example of long-term investing using a cost-of-purchase Averaging (DCA) strategy is the story of a guy who bought $30 worth of BTC daily for 7 years, 10 months, and 12 days and created a $1 million portfolio- https://crypto.news/30-to-1m-how-this-bitcoin-investor-turned-spare-change-into-seven-figures/ In total, he spent $86,370.

Your analysis of the article and/or relating the ideas of the article to this thread are pretty pathetic.  In this thread, I am talking about quite a bit more than just DCA, and surely there might be ideas about what any guy might consider doing if he had spent nearly 8 years accumulating bitcoin and his stash seems to have had some seemingly milestone amount.  Since we are talking about investing rather than trading in this thread, it might be good to discuss what a guy might do next if he were to reach some kind of a milestone in his bitcoin accumulation.

Sure it is nice that guys provide some links to outside information, but some analysis and/or relating it to the thread might be helpful too.. even though surely so many times, guys seem to be quite reluctant to engage in hardly any analysis.

That article is dated June 12, 2025, so we can surely imagine that the guy started in earlier 2017, yet the article is missing a few important details, and we know with bitcoin's considerable fluctuations in price, it can be problematic to valuate bitcoin wealth based on changes in spot prices... Accordingly, the article does not give the start date for the investment and it does not give the total quantity of BTC that had been accumulated.

For me, the idea of daily buying of BTC comes off as a bit too obsessive and burdensome, even though surely there is some value in staying focused on accumulating BTC, even though some folks might struggle to put $30 a day into bitcoin for every single day for nearly 8 years straight.  When I plug $210 per week into a DCA website and I start with February 1, 2017, then get nearly $88k invested and nearly 10.2 BTC... so those numbers somewhat check out, if we might be using $100k per BTC as our valuation then we would have had been at a $million or over a million for quite a bit of time in 2025.

To me, it seems more practical to figure out the quantity of BTC that had been accumulated and to perhaps attempt to evaluate what might be possible to do with the BTC based on the quantity of BTC, and I personally prefer valuating based on the 200-WMA (bottom prices) rather than spot prices, so that guys do not get overly presumptive of what they might or might not be able to do .. or what they should do in terms of if they have enough bitcoin or more than enough bitcoin.  

Right now, 10.2 BTC is showing a spot valuation of about $720k and a 200-WMA valuation of about $592k.. which I personally consider would allow for a withdrawal rate of about $59.2k per year as long as the spot price is more than 25% above the 200-WMA...  

I also would anticipate that a guy who had been able to buy around $210 per week of bitcoin, then that guy likely had an income that was $50k per year or greater, even though surely he could have also be drawing from savings and/or other investments that he had, yet if he had only been drawing from his income, then $210 per week would add up to nearly $11k per year, which would be nearly 22% of a $50k income.. which would not be an easy rate to be able to achieve for many people, even though I am not opposed to being aggressive with investment amount, we also need to try to be practical if we want to be able to sustain our investment amount, whether weekly or on some other level of frequency..

A good example of long-term investing using a cost-of-purchase Averaging (DCA) strategy is the story of a guy who bought $30 worth of BTC daily for 7 years, 10 months, and 12 days and created a $1 million portfolio- https://crypto.news/30-to-1m-how-this-bitcoin-investor-turned-spare-change-into-seven-figures/ In total, he spent $86,370.

It may worth mentioning that the vast majority of people don't have the income necessary for such a DCA.
So let's just say that this person was from start far from poor and those dreaming to such DCA need to adjust.. a lot.
Of course, that doesn't mean they should despair, since every bit counts.

Of course, everyone has different financial options, and not everyone can afford to invest $30 a day, but if you stick to this strategy and invest $3 a day (90 bucks a month), you'll end up with about $100,000 over the same period of time. Which, you will agree, is also a good result of DCA.

I will agree with you tvplus006 that figuring out some reasonable DCA amount that works for your budget is a good idea, and guys are likely to  have good chances of being better off by focusing on DCAing into bitcoin rather than if they had not, even though there is no guarantee.

Surely we can go back and measure that right around $210 per week or $11k per year invested into bitcoin for nearly 8 years would have had gotten a person to right around $1 million spot price, so surely we can see that bitcoin had been a good investment, and we can also likely infer that bitcoin is going to continue to be a good investment, yet someone starting right now is not likely to even be able to accumulate half of a bitcoin in the next 10 years, even if they were investing $210 per week and/or $11k per year.

For sure, I am an advocate of bitcoin, so I consider it a good idea to continue to put time, energy and value into bitcoin, and DCAing is one of the best, if not the best, way for normal peeps to tailor their bitcoin investment amount to their own budget and other aspects of their financial and/or psychological situation.

Hopefully, you have been following DCA in your own practice since I see that you have been registered on the forum since November 2017, so if you had started investing in bitcoin at around your forum registration date, then you would have had more than 8 years investing in bitcoin.

but if you stick to this strategy and invest $3 a day (90 bucks a month), you'll end up with about $100,000 over the same period of time. Which, you will agree, is also a good result of DCA.

That's what I meant by "every bit counts".
Just imho the low amounts pose a different risk: if one is not careful enough he may lose a bit much on withdrawal or tx fees, making it make more sense to consider instead 21$ every week or 90$ a month, but in some cases keeping such amount of money untouched for a month can be a challenge.

Of course each of us will have our comfort levels, yet if we are moving bitcoin to private wallets, then we likely need to spend some time learning about UTXO management, so I personally don't mind the idea of waiting until UTXOs are close to $500 before withdrawing them from exchanges.  Yet, sure I understand that if guys do not have a lot of wealth, they might not be comfortable keeping $500 in value on exchanges, so they have to figure out levels that are comfortable for them and including sometimes that fees are affected based on utxos.

But yeah, if a guy was investing around $20 per week and using an exchange, then it would take him around 25 weeks before he had invested $500 into bitcoin, which is 6 months, and some guys might not want to keep that much value on exchanges... yet they could end up costing themselves a lot if they were to have 25 UTXOs that are ONLY $20 each.. and also exchanges are not very friendly in their own fees, especially for low value amounts.

[BlackBaron]

It may worth mentioning that the vast majority of people don't have the income necessary for such a DCA.
So let's just say that this person was from start far from poor and those dreaming to such DCA need to adjust.. a lot.
Of course, that doesn't mean they should despair, since every bit counts.

I don't think that's necessary, as some people only have enough to meet their needs, while others, with limited income, still invest, even with small amounts. Their consistent investment deserves appreciation.
And those of us with substantial incomes who invest daily shouldn't look down on those who invest less than we do daily, weekly, or even monthly.

Investment is not measured by the size of the money we invest, but it is more than that. Just imagine if I didn't start investing when my income was still relatively low, then maybe I will be a few years late until I have a higher income to start investing.

We should not look at the amount of investment we allocate, but we must be disciplined. And when we see that it is quite small, then what we should do is look for other income, not complain. Complaining will not solve the problem and in fact it will cause new problems.

[Gost ms]

It may worth mentioning that the vast majority of people don't have the income necessary for such a DCA.
So let's just say that this person was from start far from poor and those dreaming to such DCA need to adjust.. a lot.
Of course, that doesn't mean they should despair, since every bit counts.

I don't think that's necessary, as some people only have enough to meet their needs, while others, with limited income, still invest, even with small amounts. Their consistent investment deserves appreciation.
And those of us with substantial incomes who invest daily shouldn't look down on those who invest less than we do daily, weekly, or even monthly.

A low-income person has low needs and a high-income person has much more needs. A low-income person can manage their family very well even with $200 a month. But a high-income person cannot manage their family with $1,000 a month. Each of us has different needs and each person's source of income is different.

The amount of money a person with a low income invests is much more and when he is able to reach his portfolio goal, he will be able to save a lot of money or Bitcoin

[alankasman]

A low-income person has low needs and a high-income person has much more needs. A low-income person can manage their family very well even with $200 a month. But a high-income person cannot manage their family with $1,000 a month. Each of us has different needs and each person's source of income is different.
The amount of money a person with a low income invests is much more and when he is able to reach his portfolio goal, he will be able to save a lot of money or Bitcoin

This is like a plus and a minus meaning that the two people have different incomes so their expenses and income must be adjusted accordingly. This makes it easier for them to calculate their expenses and income. If not calculated it will certainly be very difficult to manage our finances and live a family life.

Because everyone must have their own focus so that for other people they will not be able to manage the income and expenses made by each person because this source of income is certainly different but to discuss together how to have other activities with the aim of having more income than what already exists this may be one of the steps discussed of course it is very good for them in looking for sensations that may be a side income for them and if that happens maybe they will use the money from the results for their investments by buying Bitcoin through the DCA method even though the amount is small but they do it for investments with the aim of having their assets in the future.

[alankasman]

I don't have substantial income nor very good investment plan, plus my intention was not to look down to such people, instead say "hats off" and point out (far from new, but still worthwhile) solutions better fitted for smaller amounts.

And I also don't have a substantial income meaning we're both still striving to maximize our income so that our investment plans will continue to improve. I'm not saying that our intention here is simply to discuss what obstacles still exist. Perhaps these obstacles are currently clouding our thinking leading to a deadlock that will continue to approach us ultimately leading to our desired investment plans not meeting our expectations.

[YUriy1991]

It depends on how we manage it. The reason why I say something like that is because someone sometimes has funds in the form of emergency funds that may not be used. Of course someone sometimes does not have the idea to invest by buying something that can be used as an asset for the future so the possibility of the saved funds will decrease day by day. So what we need to appreciate is the idea you have in making a decision is very good why because you have the idea to think about the future so what you do for me is someone who has a healthy mind and this is said not to praise because for those of us who have not done something like that of course this will be a lesson for the future.

You do it by taking money or retirement funds to accumulate by buying more Bitcoin this is an extraordinary decision because if at that time you do not do it to increase your assets of course I think the money will run out without realizing it because at that time sometimes there are two thoughts that you should be a little confused why because if you do not do it to invest of course the money will run out too so your decision is still to choose to buy Bitcoin by increasing your assets for your future by accumulating Bitcoin by doing DCA so this is one of the right steps you take and this is one day I should give an example.

I completely agree with your opinion, I think we can prepare for retirement by saving 20% or 30% of our monthly income to invest in Bitcoin, using the DCA strategy is certainly a good idea. Preparing financial planning from a young age for a better life in old age is a very wise idea.  it's hard to resist the urge to shop and buy things or delicious food when our friends are having a party. But postponing pleasure until retirement will save us money in old age. So we don't have to work as hard as before. In my area, there's a saying that saving is the root of wealth.

[JayJuanGee]

It may worth mentioning that the vast majority of people don't have the income necessary for such a DCA.
So let's just say that this person was from start far from poor and those dreaming to such DCA need to adjust.. a lot.
Of course, that doesn't mean they should despair, since every bit counts.

I don't think that's necessary, as some people only have enough to meet their needs, while others, with limited income, still invest, even with small amounts. Their consistent investment deserves appreciation.
And those of us with substantial incomes who invest daily shouldn't look down on those who invest less than we do daily, weekly, or even monthly.

A low-income person has low needs and a high-income person has much more needs.

You keep saying this, and I responded several times.  What you are saying is close to retarded.  Expenses are very lowly correlated to income, especially since many expenses are optional rather than mandatory, and even some of the basic expenses are optional based on standard of living choices.  The mere fact that income goes up, the standard of living does not have to go up..

A low-income person can manage their family very well even with $200 a month. But a high-income person cannot manage their family with $1,000 a month.

Yes.  A higher income person may well choose to live at a higher standard, yet the level of expenses are still not correlated to their income, even if you see both income and standard of living tending to go up together.  I will grant you that there are likely some jobs that would require higher spending based on some job related appearances or even requirements related to the job.  Yet, many aspects  of standard of living is a matter of choice for those who have higher income levels can choose to live at a relatively high or a relatively low standard.

Each of us has different needs and each person's source of income is different.

Sure.  Fair enough.  We could go into various factors that go into how income is generated whether related to work, skills or connections and/or related investments or passive sources (such as being a beneficiary).

We also could go into describing expenses in terms of needs versus wants and various expenses that any person might have with some of the expenses being of higher priority than other expenses..

The amount of money a person with a low income invests is much more and when he is able to reach his portfolio goal, he will be able to save a lot of money or Bitcoin

This also makes little to no sense.

We invest from our discretionary income, and a poor person is likely to have smaller discretionary income as compared with a richer person, yet the discretionary income is a product of whatever money is left after basic expenses are taken out.

The more discretionary income a person  has, then the more options that he has, yet since the money is discretionary, he can choose how much of his discretionary income he wants to use for 1) investing, 2) saving and/or 3) discretionary spending. 

Since the person has options regarding how to use discretionary funds, there is no formula for what has to happen.  There could be folks with low amounts of discretionary funds who use their discretionary funds better than someone with much larger amounts of discretionary funds, and there are cases where poor folks become rich or even rich people become poor based in part on their choices in regards to their uses (or management) of their discretionary funds.

It depends on how we manage it. The reason why I say something like that is because someone sometimes has funds in the form of emergency funds that may not be used. Of course someone sometimes does not have the idea to invest by buying something that can be used as an asset for the future so the possibility of the saved funds will decrease day by day. So what we need to appreciate is the idea you have in making a decision is very good why because you have the idea to think about the future so what you do for me is someone who has a healthy mind and this is said not to praise because for those of us who have not done something like that of course this will be a lesson for the future.

You do it by taking money or retirement funds to accumulate by buying more Bitcoin this is an extraordinary decision because if at that time you do not do it to increase your assets of course I think the money will run out without realizing it because at that time sometimes there are two thoughts that you should be a little confused why because if you do not do it to invest of course the money will run out too so your decision is still to choose to buy Bitcoin by increasing your assets for your future by accumulating Bitcoin by doing DCA so this is one of the right steps you take and this is one day I should give an example.

I completely agree with your opinion, I think we can prepare for retirement by saving 20% or 30% of our monthly income to invest in Bitcoin, using the DCA strategy is certainly a good idea.

You make it sound easy, YUriy1991. 

20% to 30% of your income are very high levels of saving/investing (presuming that all of that money is discretionary funds and available after expenses), and not very many people can sustain that level of saving/investment on an ongoing and consistent basis.  Many folks struggle to consistently save/invest 10% of their income.

I do personally recommend 5% to 25% invested into bitcoin, so I consider 25% to be potentially reasonable for those who want to shoot towards the higher end of aggressiveness - yet there needs to be a recognition that those higher levels of investment that tend to be quite aggressive and they are not always easy to accomplish on a regular and ongoing basis.

I do think that anyone who is able to accomplish those higher levels of investment, they are surely likely to reach overaccumulation status and maybe even fuck you status faster than others, even though surely there are no guarantees and the more aggressive a person invests, the more protections he likely needs to make sure that he has in place so that any mistakes he makes don't end up screwing him up in non-recoverable ways.

Preparing financial planning from a young age for a better life in old age is a very wise idea.  it's hard to resist the urge to shop and buy things or delicious food when our friends are having a party. But postponing pleasure until retirement will save us money in old age. So we don't have to work as hard as before. In my area, there's a saying that saving is the root of wealth.

You can be aggressive in the amounts that you are investing.. yet you likely also have to have some money available for discretionary consumption and even to attempt to have some normal levels of socializing activities.  No one can tell you how much, and so yeah, if you are very disciplined and organized, then you are likely to advantage from that as long as you do not overly do any of the matters, which you are the best person in place to determine your levels and your balances.

[NewRevelation]

It may worth mentioning that the vast majority of people don't have the income necessary for such a DCA.
So let's just say that this person was from start far from poor and those dreaming to such DCA need to adjust.. a lot.
Of course, that doesn't mean they should despair, since every bit counts.

I don't think that's necessary, as some people only have enough to meet their needs, while others, with limited income, still invest, even with small amounts. Their consistent investment deserves appreciation.
And those of us with substantial incomes who invest daily shouldn't look down on those who invest less than we do daily, weekly, or even monthly.

A low-income person has low needs and a high-income person has much more needs.

You keep saying this, and I responded several times.  What you are saying is close to retarded.  Expenses are very lowly correlated to income, especially since many expenses are optional rather than mandatory, and even some of the basic expenses are optional based on standard of living choices.  The mere fact that income goes up, the standard of living does not have to go up..

I think its all about choices, and not a compulsion or a tradition that a high income person must spend very high and vise versa. I would want to say it's more of mindset and/or priority, yet, rich people can still cut down there expenses(not mandatory expenses) to ensure that they  are able to invest and keep up there investments.

Sure, high income earners might have different financial expenses to tackle, and may want to handle all of it since he feels that there is more income coming in, and thereby leaving them with little discretionary for there investments, but like I stated above, that same high income earner can also decide to settle basic compulsory needs and try to cut down some expenses to enable them raise a consistent DCA buys accumulation weekly or monthly. Everything comes under control with the level of income allocation and/or management employed by the investor and not totally paying all attention to so unnecessary expenses which will deter them from taking there investments seriously. The low income earner in the same vein can also decide to prioritise his investment over some expenses that may not be too compulsory, thereby saving out some more money to grow his investment. I think it's majorly on one's priority

[red4slash]

I completely agree with your opinion, I think we can prepare for retirement by saving 20% or 30% of our monthly income to invest in Bitcoin, using the DCA strategy is certainly a good idea. Preparing financial planning from a young age for a better life in old age is a very wise idea.  it's hard to resist the urge to shop and buy things or delicious food when our friends are having a party. But postponing pleasure until retirement will save us money in old age. So we don't have to work as hard as before. In my area, there's a saying that saving is the root of wealth.

It may be possible but not all can do it.
The fact that is currently happening is that not all people or investors can set aside that much for investment because when making this too big it is feared that consistency will not be able to get them especially for those who do not have a fixed income every month.

Being in investment is not only limited to 1 or 2 months, especially when we talk about DCA so that when we budget too much from the start, it can potentially not go according to the scenario we expect.

Indeed, 30 percent will look very good because we can even get 1 year of income to invest in just 40 months (3 years and 4 months) but this situation will clearly not be as easy as we think because it could be that this condition misses in the end even much worse when we have problems from the start. So in this case not only the allocation is important but also the consistency that we must have.