JJG’s Outline of Bitcoin Investment Ideas

[ZeroVinsonN]

Many times loans (or installments) are not part of discretionary expenses, unless there might be some degree that the amounts might be negotiable or the timelines for payment and/or the fees.  So, loan repayment may have a certain level of priority, even though I mentioned that there could also be options for extra payments to the extent that some loans might have higher interest rates and then an incentive for person to pay the higher interest rate loans first.

There also could be situations that loans are so burdensome that default seems the better of options, and surely there can be costs to default that might not be worth undergoing, so guys might consider the extent to which default might be a reasonable option that they might want to consider.

If the loan was a relatively small one then it's viable for it's payment to come from their discretionary income, it's basically matter of choice, does the person want to treat it as a essential expense or will they just decide to clear it through their discretionary income.

You are speaking in a bit of gobble-dee-gook, ZeroVinsonN.  If we are initially setting up the terms of debt, then of course, to even be able to take the loan, we have to have enough discretionary income to service such loan, and if the loan has minimal terms, then those would become part of basic expenses.  There can be abilities to pay extra which would reduce future payment requirements.  There can also be options to default or to underpay, which might create more costs depending on default terms and/or if the loan originator is holding collateral. or maybe they know where you are at, so the costs could be the loss of limbs or your life if you default.  Terms are going to vary and some aspects of the terms will be more optional than other aspects.  We are likely getting too much into the weeds on this discussion, and guys can figure these kinds of details for themselves, or maybe create another thread to discuss these kinds of matters, to the extent that they need to be (or want to be) discussed.

Creating a new thread might be too much though, at the end of the day as long as the loan can be paid off then there is no reason for a person to not accumulate bitcoin, accumulation is dependent on whether or not they have discretionary income so regardless of whether or not they are able to service the loan as long as their discretionary income hasn't been cut off then they can definitely keep accumulating bitcoin, restrictions are there, yes, but they are definitely not enough to halt accumulation if discretionary income is available.

[CageMabok]

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I think you should be very careful on how you use your words before you will mislead newbie or put fear on them because when you talked about "facing some falls when we are accumulating or investing weekly" is very confusing and if someone doesn't read comprehensively there is a high chance they will get you wrong and they will be scared about investing weekly. For sure if someone is accumulating weekly or monthly and they are consistent they will showing experience the Dip and they can front load if they are prepared to boost their portfolio.

Not all beginners will be afraid when reading someone else's comments, especially since some beginners can see opportunities in price drops to immediately buy Bitcoin without excessive worry. Usually, if a beginner is easily intimidated by someone's comments about the Bitcoin price, they simply need to adapt to the market and prepare themselves mentally to avoid being easily swayed by other people's words, which are generally still uncertain. Therefore, beginners should also be more discerning in their thinking, even though they may not have much experience understanding the market. However, to simply buy Bitcoin regularly, I think any beginner just needs to prepare capital and be brave enough to buy Bitcoin.

[cyberninja2]

Creating a new thread might be too much though, at the end of the day as long as the loan can be paid off then there is no reason for a person to not accumulate bitcoin, accumulation is dependent on whether or not they have discretionary income so regardless of whether or not they are able to service the loan as long as their discretionary income hasn't been cut off then they can definitely keep accumulating bitcoin, restrictions are there, yes, but they are definitely not enough to halt accumulation if discretionary income is available.

In my opinion after understanding this I believe it depends on the individual borrowing. When someone borrows to invest in Bitcoin there are certain risks involved but I don't think this is a significant issue. Another reason is that as long as the borrower feels capable of making repayments when the loan term is due, this is certainly a decision or step that must be taken. There's nothing wrong with borrowing money to accumulate Bitcoin because in the circulation of money there will certainly be results and profits. It just requires patience from both parties to avoid significant problems for either party.

Unless after borrowing the steps taken are not for investment. This is very wrong if someone borrows money not for the purpose of circulating the money which ultimately leads to problems that both parties must face. Therefore investing with the proceeds of a loan from someone else is fine as long as the person is willing to make repayments. So in my opinion there's no reason not to accumulate Bitcoin as long as the money or capital is in our hands and the repayment is certainly made behind the scenes according to both parties' agreements.

[Bright0515]

I personally don't think I can do this idea because 10 years isn't a short amount of time but that distance is very impossible for everyone to follow your method.

10 years is much but that doesn't mean it's impossible to do, one thing we all need to understand is the fact that all investors can't only use one strict method to invest into Bitcoin, if you can invest into Bitcoin for 4 - 5 years and other investors want to invest for 10 years, it's possible that they will make much more profits than those who invest for 5 years (even though it's not certain). As a matter of fact, nothing is impossible to do, there are some folks that have been into Bitcoin investment for a very long period of time. So all I'm just trying to say here is that, if it's not possible for you, there's a higher chance that it's possible for others to invest into Bitcoin up to 10 years. However, I don't really think it's even about income source or source of income (how y'all call it), but it's about discipline, consistency and developing investment mindset. One thing you should also consider is what you all will benefit in the future, if you only look out for the present difficult situation there's a higher chance that you will definitely remain where you are. From my own understanding based on the bold part of your texts, you are insinuating that those with little amount of money shouldn't invest in Bitcoin for long term but the truth is, those with limited source of income need to invest in Bitcoin for long term in other for them to secure their future properly.

Moreover following this method is clearly impossible except for those with sufficient income. This is also important for them, as a long timeframe isn't a priority for someone following the steps you describe especially for those whose income is sometimes very limited. This certainly isn't the path they should take.

I guess you are still missing it, it's not all about income (just as I said above) what's more important is developing the mindset of investment, consistency and discipline. The truth is that if you are not discipline or if you don't have the mindset of investment, there's a higher chance that yiu might not even invest in Bitcoin for the minimum of 2 years no matter the amount of income you are earning. So this is the one of the reasons why I said it's not always about source of income. To be sincere here, the bold part of your comment only talked about the limitations from investing in Bitcoin, but you didn't talk about how being discipline and consistency will help an investor to achieve success from investment no matter the number of years they want to hold.

[BluebloodCXVI]

We need to determine two things in advance to create a time frame. Time frame and profit amount or what we are investing for. Suppose you have set a time frame of 10 years and if you have set your profit during these 10 years to be the equivalent of 10 Bitcoins. So if your time frame ends and if you cannot reach the additional savings, then you can withdraw some of the profit during that time and keep the remaining amount until you reach the additional savings level.

Yes, selling in excess savings is good but withdrawing the entire amount will not be the right decision at all. Because you are investing, you have been able to do this for a long time, so withdrawing some of your profit and enjoying it is the right decision. Withdrawing the entire amount of profit will be a foolish decision.

It’s good to plan because it gives a person direction but fixing something like 10 years and 10btc profit makes it seem like the market will always cooperate with your plan and that’s rarely how it works. You might hit your goals earlier or later or not at all.
Let me also add that taking profit versus exiting fully isn’t a one size fits all thing, what works for one person might not work for another depending on their situation.
I agree that selling everything without thinking isn’t a smart thing to do, but being too strict with your plan can also hold you back. In reality, I think it’s better to have a plan you can adjust as things change, instead of trying to follow a fixed script no matter what.

[Tongley]

@JayJuanGee Sir I have been confused about a subject for a long time, I have tried to find out from many places but I have not been able to find the right information. The question is,

My target to buy Bitcoin is 2 and I want to follow the DCA method and it will take me a long time to create these 2 Bitcoins like above 5 to 6 years and my time limit is to hold it for 2 cycles. If it takes 5 to 6 years to reach the target of creating the portfolio then will my holding period start from that time or my time limit starts from the day I started buying.

Or if I buy today in 2026 and I will be 5 years old in 2031 then will my first purchase period complete 5 years or will my time limit end

[Princess Leah]

@JayJuanGee Sir I have been confused about a subject for a long time, I have tried to find out from many places but I have not been able to find the right information. The question is,

My target to buy Bitcoin is 2 and I want to follow the DCA method and it will take me a long time to create these 2 Bitcoins like above 5 to 6 years and my time limit is to hold it for 2 cycles. If it takes 5 to 6 years to reach the target of creating the portfolio then will my holding period start from that time or my time limit starts from the day I started buying.

Or if I buy today in 2026 and I will be 5 years old in 2031 then will my first purchase period complete 5 years or will my time limit end

I know Sir Jay would give you the best answer but I have to try cause I find your question instresting. First off I like that you intend holding for two circles to archive your goal and it's very realistic if you can be patient plus determined to keep holding for that long. Not everyone have that mindset cause there are people who first think of profits before they even start their investment journey or got into Bitcoin cause they feel it would alleviate them from financial problems quickly.

 Back to your question, the first day you start buying is the exact time your holding journey starts, what i mean is that if you intend to achieve your goal you'll have to hold consistently right from day one till you achieve the two BTC you talked about. Also note that your discretionary income would determine if you'll achieve two Bitcoin in two circles, it's left for you to figure out if what you can spare if not work harder to generate more to increase it, although we never can tell what the price of Bitcoin would be within that time frame so chances are that you can achieve it depending on your discretionary incomes if you can hold for that long, I mean two circles.

[Cossyblack]

if you do not depend on discretionary income then you may face investment problems.

Yes if an investor uses money meant for his basic need to buy Bitcoin then there will be problem because he will eventually have to sell some or all of his Bitcoin investment to met his basic needs.

where we can use emergency funds. Because to keep Bitcoin investment going according to the DCA method, we must form an emergency fund, using this emergency fund we can undoubtedly move forward with Bitcoin investment in the future.

That's a very interesting question, emergency fund is to safeguard your Bitcoin investment from real life emergencies therefore emergency funds can only only be used yemergencies. However to keep your Bitcoin accumulation running and safe you need to have both a good source of discretionary income and emergency fund.

So in addition to Bitcoin investment, if we form an emergency fund and invest in Bitcoin with discretionary income, we will be able to reach the destination as planned without facing any kind of danger.

You will most likely reach over accumulation but not a guarantee. Yes because having both discretionary income and emergency fund doesn't guaranteed you will reache over-accumulation.

[SuperBitMan]

@JayJuanGee Sir I have been confused about a subject for a long time, I have tried to find out from many places but I have not been able to find the right information. The question is,

My target to buy Bitcoin is 2 and I want to follow the DCA method and it will take me a long time to create these 2 Bitcoins like above 5 to 6 years and my time limit is to hold it for 2 cycles. If it takes 5 to 6 years to reach the target of creating the portfolio then will my holding period start from that time or my time limit starts from the day I started buying.

Or if I buy today in 2026 and I will be 5 years old in 2031 then will my first purchase period complete 5 years or will my time limit end

While waiting for JayJuanGee let me give you my own answer.
The first day you start accumulating and holding then your process have started, when you reach your over accumulation stage or your target then you can start selling if you wish to, however there are people that has the target of holding for 5 years and above and it is only when they have reached their target of the amount of bitcoin to hold they start counting for the numbers of years they would be holding which is 5 years and above, that being said the usual way it is done is that the moment you start accumulating and holding your journey have started and if you accumulated and hold for 6 years before getting to your target then you have just hold for 6 and you can start selling but as for me I won’t start selling immediately I reach my target I will start counting again and this time around I won’t be accumulating anymore just holding however, all this depends on your age too, a 70 or 80 years old would not want to hold again after getting to his or her target.

[Cyber_warrior]

Yes if an investor uses money meant for his basic need to buy Bitcoin then there will be problem because he will eventually have to sell some or all of his Bitcoin investment to met his basic needs.

That's right, Investing with money meant for basic needs always causes problems which can affect your investment. It also destroys patience which affect your ability to hold for a long term and also easily gets your emotions attached and also get you stressed easily because it's money you don't can't lose.

That's a very interesting question, emergency fund is to safeguard your Bitcoin investment from real life emergencies therefore emergency funds can only only be used yemergencies. However to keep your Bitcoin accumulation running and safe you need to have both a good source of discretionary income and emergency fund.

Emergency funds protects your investment and if you look at it properly it also protects you as well from fucked up situations and emergencies that can't be solved. It's really important to have an emergency fund in place and together with a good source of discretionary income we are able to invest consistently and maintain our long term target.

So in addition to Bitcoin investment, if we form an emergency fund and invest in Bitcoin with discretionary income, we will be able to reach the destination as planned without facing any kind of danger.

Having all this in place reduces the risk a lot and protects us from situations that lead to selling our investment prematurely but it doesn't take away the risk and dangers of investment completely. With all that in place we are able to manage whatever risk investment throws at us.

[Sticky Bomb]

@JayJuanGee Sir I have been confused about a subject for a long time, I have tried to find out from many places but I have not been able to find the right information. The question is,

My target to buy Bitcoin is 2 and I want to follow the DCA method and it will take me a long time to create these 2 Bitcoins like above 5 to 6 years and my time limit is to hold it for 2 cycles. If it takes 5 to 6 years to reach the target of creating the portfolio then will my holding period start from that time or my time limit starts from the day I started buying.

Or if I buy today in 2026 and I will be 5 years old in 2031 then will my first purchase period complete 5 years or will my time limit end

The thing is that from the day you make your first purchase, your holding period have started counting, so if you successfully build out your portfolio to 2BTC within 6 years, with your target, your holding period is only remaining 2 years to terminate which should be around 2034, but hey! You can do more than 2 cycles if you're still very young and you're not going to be relying on your portfolio or expecting retirement by that time, you can continue holding for longer even more than 10 years since Bitcoin tends to be more profitable when you go longer in holding it.

[Hardyrobust]

@JayJuanGee Sir I have been confused about a subject for a long time, I have tried to find out from many places but I have not been able to find the right information. The question is,

My target to buy Bitcoin is 2 and I want to follow the DCA method and it will take me a long time to create these 2 Bitcoins like above 5 to 6 years and my time limit is to hold it for 2 cycles. If it takes 5 to 6 years to reach the target of creating the portfolio then will my holding period start from that time or my time limit starts from the day I started buying.

Or if I buy today in 2026 and I will be 5 years old in 2031 then will my first purchase period complete 5 years or will my time limit end

Definitely I think your holding period will start from 2031 because the bitcoin you are holding wasn't accumulated in the same day or time . So the ones you will buy by 2028 or 2029 won't be up to that 5 years in 2031since you will be using DCA strategy for accumulating your bitcoin which simply means it will be accumulated at different intervals that is different years. So I think your holding period should start from after building up your portfolio or the time limit can be calculated based on the time your bitcoin was accumulated.

[The Founding Titan]

@JayJuanGee Sir I have been confused about a subject for a long time, I have tried to find out from many places but I have not been able to find the right information. The question is,

My target to buy Bitcoin is 2 and I want to follow the DCA method and it will take me a long time to create these 2 Bitcoins like above 5 to 6 years and my time limit is to hold it for 2 cycles. If it takes 5 to 6 years to reach the target of creating the portfolio then will my holding period start from that time or my time limit starts from the day I started buying.

Or if I buy today in 2026 and I will be 5 years old in 2031 then will my first purchase period complete 5 years or will my time limit end

I am no expert but I believe your HODLing period starts from when you start accumulating bitcoin,any other purchase from then just keeps adding to your HODLings, you don't have to hit your target amount of bitcoin first before you can be said to start HODLing.
At the current price of bitcoin (assuming it stays the same) you will be accumulating at around $590 a week to be able to buy 2 bitcoin at the end of five years, of course if the price of bitcoin goes in the upward direction then achieving that target will take even longer that 5 years or you are going to have to increase how much you buy, $590 is already alot of money for someone who wants to buy weekly, not many people can afford that much discretionary income but if you can then that's also fine too, it's mainly a matter of whether you can generate that much discretionary income weekly.
If you are going to accumulate and hold for 2 cycles though then you are going to need to be buy as much as $370 worth of bitcoin if you are buying on a weekly basis (still assuming the $76k price remains constant, which is very unlikely) a gradual increase in the price of bitcoin will demand a gradual increase in how much you use to buy if you want maintain your 2 cycles target, $370 might not be $590 but it's still alot of money, not many people can afford that much discretionary income on a weekly basis.
These are my own ideas, sir JJG will give a better explanation on the matter if he decides to.

[Grease5000]

@JayJuanGee Sir I have been confused about a subject for a long time, I have tried to find out from many places but I have not been able to find the right information. The question is,

My target to buy Bitcoin is 2 and I want to follow the DCA method and it will take me a long time to create these 2 Bitcoins like above 5 to 6 years and my time limit is to hold it for 2 cycles. If it takes 5 to 6 years to reach the target of creating the portfolio then will my holding period start from that time or my time limit starts from the day I started buying.

Or if I buy today in 2026 and I will be 5 years old in 2031 then will my first purchase period complete 5 years or will my time limit end

I am no expert but I believe your HODLing period starts from when you start accumulating bitcoin,any other purchase from then just keeps adding to your HODLings, you don't have to hit your target amount of bitcoin first before you can be said to start HODLing.
At the current price of bitcoin (assuming it stays the same) you will be accumulating at around $590 a week to be able to buy 2 bitcoin at the end of five years, of course if the price of bitcoin goes in the upward direction then achieving that target will take even longer that 5 years or you are going to have to increase how much you buy, $590 is already alot of money for someone who wants to buy weekly, not many people can afford that much discretionary income but if you can then that's also fine too, it's mainly a matter of whether you can generate that much discretionary income weekly.
If you are going to accumulate and hold for 2 cycles though then you are going to need to be buy as much as $370 worth of bitcoin if you are buying on a weekly basis (still assuming the $76k price remains constant, which is very unlikely) a gradual increase in the price of bitcoin will demand a gradual increase in how much you use to buy if you want maintain your 2 cycles target, $370 might not be $590 but it's still alot of money, not many people can afford that much discretionary income on a weekly basis.
These are my own ideas, sir JJG will give a better explanation on the matter if he decides to.

I think the confusion is coming from treating Bitcoin like a timed plan, when in reality it behaves more like a long-term asset you grow into over time. If you’re using DCA and it takes you 5–6 years to reach your target of 2 BTC, then your holding period doesn’t start at one fixed point. Every purchase you make has its own timeline. The Bitcoin you buy today starts its journey today, while the one you buy years from now starts later. So technically. Your first buys will have already gone through part or even a full  cycle by the time you finish accumulating. Your later buys will still be very young in comparison. That’s why, as a long term erm Bitcoin investor, it’s better not to think in terms of when does my holding period officially start? instead think  you are always accumulating, You are always holding and over time, your position matures as a whole


If you say you want to hold for 2 cycles, the more practical way to look at it is this. You aim to hold each portion of your Bitcoin for at least that duration, not your entire portfolio from a single start date. Also, don’t get too fixated on the exact timeline. Bitcoin isn’t something you complete and then start holding the holding actually begins the moment you buy your first fraction. The accumulation phase is part of the holding phase.

So in your example. The Bitcoin you buy in 2026 has already been held for 5 years by 2031. But your full portfolio won’t share the same timeline because you built it gradually.  In short, your journey doesn’t start after you reach 2 BTC — it starts from your very first purchase, and it keeps evolving as you add more.

[yudi09]

Yes if an investor uses money meant for his basic need to buy Bitcoin then there will be problem because he will eventually have to sell some or all of his Bitcoin investment to met his basic needs.

Actually if you don't have a separate source of income you shouldn't invest in Bitcoin. Those who invest already have capital or finances ready at least for basic needs. This aims to safeguard or protect their investment and ensure that their accumulated funds are not further affected. The problem is if they persist this will undoubtedly be one of the issues they must address especially when forcing themselves to invest in Bitcoin. Basic needs are the most important priority whether they have a healthy source of income or are financially limited. Rather than forcing themselves to invest it's better not to involve themselves in Bitcoin.

That's a very interesting question, emergency fund is to safeguard your Bitcoin investment from real life emergencies therefore emergency funds can only only be used yemergencies. However to keep your Bitcoin accumulation running and safe you need to have both a good source of discretionary income and emergency fund.

Having an emergency fund is essential for anyone investing. This means that when circumstances are unfavorable having an emergency fund can act as a tool to save the situation easily and quickly. This ensures that what one has accumulated will continue to perform according to expectations protecting against selling the accumulated Bitcoin in times of distress.

You will most likely reach over accumulation but not a guarantee. Yes because having both discretionary income and emergency fund doesn't guaranteed you will reache over-accumulation.

That's true. However someone's confidence in accumulating Bitcoin can be guaranteed. For example someone accumulates Bitcoin when the market is declining but continues to accumulate confidently. Another reason is that they are prepared to wait for changes to occur which serves as their guarantee. Although this sometimes takes time behind their patience they certainly have a source of income. This means that when they need to spend money they won't have difficulty if unexpected events occur. This indicates that someone is prepared for anything and whatever happens they will remain confident in what they have done to guarantee their accumulation even though many people don't do this.

[Razmirraz]

@JayJuanGee Sir I have been confused about a subject for a long time, I have tried to find out from many places but I have not been able to find the right information. The question is,

My target to buy Bitcoin is 2 and I want to follow the DCA method and it will take me a long time to create these 2 Bitcoins like above 5 to 6 years and my time limit is to hold it for 2 cycles. If it takes 5 to 6 years to reach the target of creating the portfolio then will my holding period start from that time or my time limit starts from the day I started buying.

Or if I buy today in 2026 and I will be 5 years old in 2031 then will my first purchase period complete 5 years or will my time limit end

I know, my knowledge is still far below JJG, while waiting for him to give the best answer, let me answer your question based on the limited knowledge I have.

In my opinion, the time limit of "holding BTC for 2 cycles" should not be calculated from the first day when you make a purchase, but rather calculated after the total target of 2 BTC is reached. I mean, if you start buying in 2026 and the target is reached five years later or in 2031, then the 5-year duration is called the accumulation period, not the holding period.

So, the time limit is not yet over in 2031, if you really want to hold for 2 cycles, you should start considering selling around 2035–2039 or depending on when the next halving cycle occurs. Don't rush into selling in 2031. It's better to focus on the discipline of accumulating 2 BTC as planned from the start. Consider the first 5 years as a savings period, after which you can enter the investment period (hold for 2 cycles).

[Showlove01]

We need to determine two things in advance to create a time frame. Time frame and profit amount or what we are investing for. Suppose you have set a time frame of 10 years and if you have set your profit during these 10 years to be the equivalent of 10 Bitcoins. So if your time frame ends and if you cannot reach the additional savings, then you can withdraw some of the profit during that time and keep the remaining amount until you reach the additional savings level.

Yes, selling in excess savings is good but withdrawing the entire amount will not be the right decision at all. Because you are investing, you have been able to do this for a long time, so withdrawing some of your profit and enjoying it is the right decision. Withdrawing the entire amount of profit will be a foolish decision.

It’s good to plan because it gives a person direction but fixing something like 10 years and 10btc profit makes it seem like the market will always cooperate with your plan and that’s rarely how it works. You might hit your goals earlier or later or not at all.
Let me also add that taking profit versus exiting fully isn’t a one size fits all thing, what works for one person might not work for another depending on their situation.
I agree that selling everything without thinking isn’t a smart thing to do, but being too strict with your plan can also hold you back. In reality, I think it’s better to have a plan you can adjust as things change, instead of trying to follow a fixed script no matter what.

Well don't make it sound or look like it is not possible for someone to get 10 Bitcoin in 10 years because what you should be considering when someone said this is their net worth and how much they earn weekly or monthly and this should be able to tell you if the person can achieve this in this interval of time. But it may look like a big deal for someone who is poor or struggling with his or her investment but to someone who is stinkingly Rich it won't be that difficult as it can be obtain.

[Sim_card]

Definitely I think your holding period will start from 2031 because the bitcoin you are holding wasn't accumulated in the same day or time . So the ones you will buy by 2028 or 2029 won't be up to that 5 years in 2031since you will be using DCA strategy for accumulating your bitcoin which simply means it will be accumulated at different intervals that is different years. So I think your holding period should start from after building up your portfolio or the time limit can be calculated based on the time your bitcoin was accumulated.

Why is it called buy and hodli and not buy and sell is because any bitcoin you buy should be for a long time plan which means that the first time you buy your first bitcoin is when you have started hodli. I said this because some buy bitcoin once in a while and they're hodlers. The reason why you are to continue accumulating bitcoin is to buy enough bitcoin for yourself and hodli.

Buying your first bitcoin

We have three stages which is the accumulation stage, when you are buying and increasing your bitcoin portfolio to your bitcoin target. We have the maintenance stage which is when you have reached your bitcoin target and continue hodli for another two years or more without taking profits. We have the final stage which is taking profits from your bitcoin investment using the sustainable withdrawal method.

[suhadi88]

Maybe you can give an example of what you mean.  What might be some ways in which guys might have had "reached the right time," and if they "reach the right time," then what can happen?

Yes, as I said above, the decision varies and not all, it depends on each person's position, it is possible to implement several strategies, namely continuing to accumulate or another reducing a small portion when they feel the target is achieved. For example, if someone has reached 1 BTC, then they realize some value of 0.1 BTC at a high price while still keeping 0.9 BTC as core, and it is not wrong if they enjoy a little profit from the results of their efforts.

[Johnlomape]

Maybe you can give an example of what you mean.  What might be some ways in which guys might have had "reached the right time," and if they "reach the right time," then what can happen?

Yes, as I said above, the decision varies and not all, it depends on each person's position, it is possible to implement several strategies, namely continuing to accumulate or another reducing a small portion when they feel the target is achieved. For example, if someone has reached 1 BTC, then they realize some value of 0.1 BTC at a high price while still keeping 0.9 BTC as core, and it is not wrong if they enjoy a little profit from the results of their efforts.

This is the reason why you need to have other kind of funds with you so that you don't have to touch your investments because you are thinking that you have been in profits already. Even when you are in profit and you don't have anything using the money to do, you don't have to sell part of your investment because that will not really help your Bitcoin asset holdings to grow well.
You should have a target why you are investing in Bitcoin whether you want to hold for a long time purpose or you want to hold for a short term interval and you don't have to sell when you have not achieved your purpose.