JJG’s Outline of Bitcoin Investment Ideas

[DubemIfedigbo001]

Investing in Bitcoin should start with your own excess or risk taking capital. Investing with debt can theoretically be profitable, but in practice it greatly increases the level of risk, Especially in highly volatile assets like Bitcoin. Investing in Bitcoin should start with your own excess or risk-taking capital. Investing with debt can theoretically be profitable, but in practice it greatly increases the level of risk, Especially in highly volatile assets like Bitcoin. Therefore, without an alternative source of stable income and strong risk management, debt based investments can easily lead to financial stress, new investors and long term holding strategies are much more realistic and sustainable than debt based entry.

The only time debts increases the level of risk in buying bitcoin is when you cannot pay the debt through other means, if you rely on the short-term profitability of your portfolio the pay the debt and its interests, then it is a risky financing since your portfolio isn't to be treated as collateral but as an assets that should be held for long. If you are able to pay from another source and you used some loan to buy the dip when it dipped nicely and continue to hold, then you are on some sort of advantage since you got way more quantities at a cheaper price.
People can access low interest loans if available and they're sure of being able to pay for it from within their means, they can channel in their discretionary income meant for buying bitcoin to paying the debt and resume their DCA when they're done paying off since they used the debt to lump sum and get more quantities at a dip.

[Kelward]

Having a steady income is good but having a steady discretionary income is much better because it is discretionary income that we need to invest in bitcoin weekly or monthly.

Most Bitcoin investors fails to understand that discretionary income is more important than a stable income, because having a stable income still doesn't guarantees that you can figure out your discretionary income to invest with, so in as much as a stable income is very good, it's more better to have a discretionary income constantly, so that you can invest in Bitcoin consistently.

If you don’t have a stable income, how do you intend to a discretionary income? It is from the stable income you are getting on a regular basis that your will take out the money for personal and household expenses, possibly be left with discretionary income if your personal and household needs doesn’t consume all the money. It doesn’t take much to figure out one’s discretionary income. Once your income gets to your hand, you remove money you know can take care of things that you and your family will need till the next pay day, when that is done, whatever that’s left is your discretionary income. If you don’t have a means by which money flow into your hand, (it could be temporary or stable) you are not going to have a discretionary income, because it is from the money that gets to you that you will get your discretionary income.

Discretionary funds is total income minus basic expenses so without a steady income there will be no discretionary funds because the fund is gotten from income earned. Before you go into Bitcoin investment you should know whether your income is sufficient to take care of your basic expenses and have surplus to fund a discretionary fund, if your income cannot afford you discretionary funds there is no need to force yourself to buy Bitcoin.

Discretionary fund is not more important than a stable income because without a stable income you cannot get a discretionary fund so it's steady income first before discretionary funds. Your income determines your expenses and that is why it is essential to understand financial management and make budget for your expenses if you don't you will not differential between your needs and wants. Basic expenses like food and rent are primary needs while things like emergency funds and Bitcoin accumulation are secondary wants.

[Silikiem]

Having a steady income is good but having a steady discretionary income is much better because it is discretionary income that we need to invest in bitcoin weekly or monthly.

Most Bitcoin investors fails to understand that discretionary income is more important than a stable income, because having a stable income still doesn't guarantees that you can figure out your discretionary income to invest with, so in as much as a stable income is very good, it's more better to have a discretionary income constantly, so that you can invest in Bitcoin consistently.

If you don’t have a stable income, how do you intend to a discretionary income? It is from the stable income you are getting on a regular basis that your will take out the money for personal and household expenses, possibly be left with discretionary income if your personal and household needs doesn’t consume all the money. It doesn’t take much to figure out one’s discretionary income. Once your income gets to your hand, you remove money you know can take care of things that you and your family will need till the next pay day, when that is done, whatever that’s left is your discretionary income. If you don’t have a means by which money flow into your hand, (it could be temporary or stable) you are not going to have a discretionary income, because it is from the money that gets to you that you will get your discretionary income.

Discretionary funds is total income minus basic expenses so without a steady income there will be no discretionary funds because the fund is gotten from income earned. Before you go into Bitcoin investment you should know whether your income is sufficient to take care of your basic expenses and have surplus to fund a discretionary fund, if your income cannot afford you discretionary funds there is no need to force yourself to buy Bitcoin.

Discretionary fund is not more important than a stable income because without a stable income you cannot get a discretionary fund so it's steady income first before discretionary funds. Your income determines your expenses and that is why it is essential to understand financial management and make budget for your expenses if you don't you will not differential between your needs and wants. Basic expenses like food and rent are primary needs while things like emergency funds and Bitcoin accumulation are secondary wants.

I think that from an investors point of view, a discretionary income seems to be more important for an investor because as a long term investor your focus should be more on figuring out a discretionary income to use for your bitcoin investment and it doesn’t matter if your income is stable or not, your goal is strictly on figuring out just a discretionary income to use and invest.you can say that a source of income is needed, I will agree but even if it’s not stable what matters is being able to get a discretionary income Because what is needed to invest in bitcoin is just a discretionary income and not really a stable income. I’m not saying that having a stable income is not good, but all I’m trying to say is that a stable income is not a guarantee to having a discretionary income because you might have a stable income and at the end of the day still not be able to figure out a discretionary income from it to use for your bitcoin investment. But someone may have not so stable income but can still be able to manage to figure out a discretionary income for his bitcoin investment. Not having a stable income is not really a problem if the investor can be able to from time to time figure out a discretionary income to use for his bitcoin investments. But it would really give an investor some problem and headache to see that he’s having a stable income but still can’t be able to figure out a discretionary income from it to use for his bitcoin investment. One must not have a stable income before the person can be able to get a discretionary income as there are so many investors out there who doesn’t have a stable income but still they are able to get a discretionary income to use and invest in bitcoin while there are also many individuals out there with some stable income but they are still unable to figure out a discretionary income from it and invest due to one thing or the other which I believe it all lies in a poor financial management skills. If the income is stable or not, what really matters is being able to have the right financial management skill to be able to figure out a discretionary income to use for biticoin investment.

[Big Dirams]

You have said it all, the strongest factor in long term bitcoin accumulation is  not all about how big you invest, it is about how financially stable you’re. But A person can earn big money and still fail to buy consistently the reason might be because of Poor spending lifestyle. While another person can earn small money and still remain disciplined to invest little by little every month or every weeks. What really matter is your mind set and consistency not really how much you invest. I’m not saying that money isn’t important it’s but mindset and consistency matters most.
When you are investing, make sure that you don’t pressure yourself never you enter investment that will affect your peace of mind, your bills or your feeling, always remember that bitcoin accumulation isn’t something that will affect your life.

About your first statement which I bolded. Investing in bitcoin doesn’t need financial stability before one can take part in the journey or neither does it need you to save up before investing. I don’t know maybe you haven’t gone through the previous pages but with DCA one can invest as stress free as possible even without having the financial stability. All that matters is just making room for our discretionary income so we can keep up with steady accumulation for long term, financial stability doesn’t stop us from investing neither do we need to waste time waiting for ourselves to be stable.
 Start as soon as possible with the little you have all that matters is discretionary income and that all. Accumulate and hold and hold for long period of time.

I get what you’re saying, but I don’t fully agree discretionary income doesn’t just appear on its own it comes from income. If his income isn’t stable,  then that consistent discretionary income won’t be consistent either. From an investor’s mindset, stability is what makes consistency possible. He can manage his expenses and create discretionary income, but without steady inflow of cash that plan can breaks easily.

So he needs both stable income and discretionary income  because Stable income creates the base,  while discipline creates the discretionary income, and consistency is what  builds the investment over time.

Right of course it a stable income that helps to generate a discretionary income if not where else. For an investors that doesn’t have a steady income then steady accumulation with discretionary income won’t be consistent because no steady income to fuel the journey.
Steady source of income brings out our discretionary funds. Don’t really thinks there’s other way round this to be honest. Or is there ?

[Father111]

For sure having a steady income helps in making your Bitcoin journey easy but then we have see certain people who have income and still struggled in these journey because most of the lack discipline, most of them lack management and they end up struggling in their bitcoin investment.

Discipline plays a big role too, likewise patience. They just don’t help you in Bitcoin investment but in all aspects of life, that why I would say Bitcoin investment is a way of life.

These things helps you a lot, at the end we invest in bitcoin to help have a good future, to makes plans for our future.

Having a steady income is good but having a steady discretionary income is much better because it is discretionary income that we need to invest in bitcoin weekly or monthly. having a steady income isn't a prerequisite to invest in bitcoin but  discretionary income because they are people who have steady incomes but don't have discretionary income to invest.  Steady income isn't a prerequisite for us to get started but discretionary income.. As long as we can figure out discretionary income from our income we wouldn't struggle with our bitcoin investment.

If an investors has a steady source of income yet don't want to invest in Bitcoin is very rare shall but I will agree with you only on the purpose of those investors that are still afraid of accepting the risk of investing, even when DCA method has motivated all investors of losing out anything, if i don't know what will be holding back any investors has the means of generating a discretionary income on a consistent basis after all the payments of bills.

[Btcdeybodi]

Investing in Bitcoin should start with your own excess or risk taking capital. Investing with debt can theoretically be profitable, but in practice it greatly increases the level of risk, Especially in highly volatile assets like Bitcoin. Investing in Bitcoin should start with your own excess or risk-taking capital. Investing with debt can theoretically be profitable, but in practice it greatly increases the level of risk, Especially in highly volatile assets like Bitcoin. Therefore, without an alternative source of stable income and strong risk management, debt based investments can easily lead to financial stress, new investors and long term holding strategies are much more realistic and sustainable than debt based entry.

The only time debts increases the level of risk in buying bitcoin is when you cannot pay the debt through other means, if you rely on the short-term profitability of your portfolio the pay the debt and its interests, then it is a risky financing since your portfolio isn't to be treated as collateral but as an assets that should be held for long. If you are able to pay from another source and you used some loan to buy the dip when it dipped nicely and continue to hold, then you are on some sort of advantage since you got way more quantities at a cheaper price.
People can access low interest loans if available and they're sure of being able to pay for it from within their means, they can channel in their discretionary income meant for buying bitcoin to paying the debt and resume their DCA when they're done paying off since they used the debt to lump sum and get more quantities at a dip.

Why taking a low interest loan to do a lump sum when you can actually invest with the little that you have available from your discretionary income. You see, people put themselves in a state of confusion by thinking that you want to be smart by taking a loan to invest in bitcoin when there is a DIP but i don't see it as a good approach because what if your income doesn't arrive at when you expected and maybe the loan is due for repayment, that means the interest of the loan might be increasing after the due date has elapsed. It is safer to use your own money to invest in bitcoin regardless of how little it might be instead of putting yourself in a state of discomfort by taking a loan just because you want to buy bitcoin at a DIP price.

[GeorgeJohn]

<..>

If we talk from now till next year i will keep telling you that discreationary income is what is required of us to invest in Bitcoin, if you have it then you're go to go in Bitcoin investment, do you agree with me that steady income guarantees nothing especially when someone is not interested in Bitcoin investment,

How did you comprehend my text? If you dont have the mindset or interest to invest in bitcoin , will you invest? the answer is "No" we're emphasizing on people who have the interest to invest in bitcoin...So therefore a steady income will make an investor not to be inquisitive or not be on panic to withdraw it investment, likewise someone who uses it spare funds to invest in bitcoin, it will not withdraw it investment quickly like someone who uses all it has to invest...What do you understand by discretionary income? Just equate what I said with the meaning of discretionary income..

[laspol65]

<..>

If we talk from now till next year i will keep telling you that discreationary income is what is required of us to invest in Bitcoin, if you have it then you're go to go in Bitcoin investment, do you agree with me that steady income guarantees nothing especially when someone is not interested in Bitcoin investment,

How did you comprehend my text? If you dont have the mindset or interest to invest in bitcoin , will you invest? the answer is "No" we're emphasizing on people who have the interest to invest in bitcoin...So therefore a steady income will make an investor not to be inquisitive or not be on panic to withdraw it investment, likewise someone who uses it spare funds to invest in bitcoin, it will not withdraw it investment quickly like someone who uses all it has to invest...What do you understand by discretionary income? Just equate what I said with the meaning of discretionary income..

Bitcoin investment will be easier for those who invest with discretionary income and discretionary income. Because they invest as much money as they can afford to lose, due to which they do not have any impact on Bitcoin investment if they face such risks and any danger. As a result, Bitcoin investment is much easier to sustain year after year, that is why you should participate in Bitcoin investment with the extra money that you earn in Bitcoin investment after excluding basic expenses.

[whiteblue]

If an investors has a steady source of income yet don't want to invest in Bitcoin is very rare shall but I will agree with you only on the purpose of those investors that are still afraid of accepting the risk of investing, even when DCA method has motivated all investors of losing out anything, if i don't know what will be holding back any investors has the means of generating a discretionary income on a consistent basis after all the payments of bills.

Please be aware that when Investors have everything but don't know about Bitcoin, They are lagging behind. Many wealthy individuals are left behind in the advancements of the times because They are left behind, Perhaps due to unstable or slow internet connections in their area.

Therefore, Investors who invest in Bitcoin are those who understand technological advancements. they no longer trust fiat due to inflation and are abandoning other Investments because They already understand Bitcoin advantages.
Therefore, Investors simply need to manage their determination to Hold for the long term, because Success takes time, And they must be patient in investing for the long term.
DCA is quite helpful for investors because they only need to be consistent in Buying And don't need to monitor charts or analyze them.
So, in conclusion, Investors who Buy Bitcoin are smarter than investors who buy other Properties for Investment.

[riscohen4]

If you don’t have a stable income, how do you intend to a discretionary income? It is from the stable income you are getting on a regular basis that your will take out the money for personal and household expenses, possibly be left with discretionary income if your personal and household needs doesn’t consume all the money. It doesn’t take much to figure out one’s discretionary income. Once your income gets to your hand, you remove money you know can take care of things that you and your family will need till the next pay day, when that is done, whatever that’s left is your discretionary income. If you don’t have a means by which money flow into your hand, (it could be temporary or stable) you are not going to have a discretionary income, because it is from the money that gets to you that you will get your discretionary income.

Bro, stable income is good YES, nobody is denying that. But that doesn’t mean a person without a stable income can’t be able to invest.
First you should understand that not everybody depends on stable income like salaries or wages. There are business people, freelancers and so on that don’t really have fixed monthly income, but they still have discretionary income and can still invest consistently.

My take on this is simple, as long as there is a means of earning and getting discretionary income from it is possible, then you’re good to go. It doesn’t always have to come from a fixed salary before someone can plan or invest in Bitcoin long term.
But let me also make this clear, I am not against stable income at all. Stable income is actually a very good thing and it can in a way make things much easier when it comes to Bitcoin investment and consistency. I’m just giving my thoughts from the context of my own understanding.

[Big Dirams]

Why taking a low interest loan to do a lump sum when you can actually invest with the little that you have available from your discretionary income. You see, people put themselves in a state of confusion by thinking that you want to be smart by taking a loan to invest in bitcoin when there is a DIP but i don't see it as a good approach because what if your income doesn't arrive at when you expected and maybe the loan is due for repayment, that means the interest of the loan might be increasing after the due date has elapsed.It is safer to use your own money to invest in bitcoin regardless of how little it might be instead of putting yourself in a state of discomfort by taking a loan just because you want to buy bitcoin at a DIP price.

Waiting for dips shouldn’t be the approach we take into bitcoin investment because such approaches is just a procrastination and procrastinating shouldn’t be what stop us from investing in bitcoin. No time to waste at all let go into bitcoin investment as soon as possible because the market is always unpredictable so sitting back and waiting for dips that we ain’t even sure it would come is just us wasting unnecessary time.
  Let not see waiting for dips as an option at all or even think of it as a smart strategy to go into bitcoin investment when we have long term mindset and also we have the DCA strategy at our fingertips.

[alankasman]

Waiting for dips shouldn’t be the approach we take into bitcoin investment because such approaches is just a procrastination and procrastinating shouldn’t be what stop us from investing in bitcoin. No time to waste at all let go into bitcoin investment as soon as possible because the market is always unpredictable so sitting back and waiting for dips that we ain’t even sure it would come is just us wasting unnecessary time.
  Let not see waiting for dips as an option at all or even think of it as a smart strategy to go into bitcoin investment when we have long term mindset and also we have the DCA strategy at our fingertips.

A good approach is not to delay buying Bitcoin but for those who want to delay investing in Bitcoin it is a quite wrong decision because the right approach is to wait for a price drop. So for us this is a form of lack of seriousness that someone has in making a Bitcoin purchase. We often see and many say that delaying because of waiting for the price to drop before buying is very unstable because delaying is not something that can provide motivation for someone as long as someone is able to buy Bitcoin for investment. So this is not a waste of time to make a Bitcoin purchase so it is necessary to approach but there is no need to delay doing it because delaying when someone feels able to do it will certainly be a decision that must be taken carefully by someone who already wants to buy Bitcoin.

It is wrong if someone among us says that a price drop is the right choice or a good way and I can say that it is purely wrong if someone thinks like that because far from before everyone must understand the meaning of waiting for a Bitcoin price drop because if someone is part of the people who have been involved in this Bitcoin forum for a long time of course they immediately say that it is better if you are ready to buy Bitcoin of course you do it immediately and there is no need to delay or wait with the excuse that when the price drops someone will buy and that if done for me personally is very inappropriate because basically at any price someone is ready to do it but there are several factors that may be a barrier that statistically the person does not know at all about this but they only tell the person not to do it first and wait more so that the delay occurs at that time.

[Barikui1]

Waiting for dips shouldn’t be the approach we take into bitcoin investment because such approaches is just a procrastination and procrastinating shouldn’t be what stop us from investing in bitcoin. No time to waste at all let go into bitcoin investment as soon as possible because the market is always unpredictable so sitting back and waiting for dips that we ain’t even sure it would come is just us wasting unnecessary time.
  Let not see waiting for dips as an option at all or even think of it as a smart strategy to go into bitcoin investment when we have long term mindset and also we have the DCA strategy at our fingertips.

Waiting for the dip before starting your Bitcoin accumulation is wrong, and it's even more unwise to be waiting for the dip when you are a no coiner or you are just starting your Bitcoin accumulation journey, because by waiting you are going to waste valuable buying opportunities by waiting for a dip that may not come when you expect it.
So that is why consistent buying and accumulating is encouraged, then if along the line while accumulating consistently and the dip comes, you may still decide to buy or do it aggressively if you have a reserve funds to carry it out, so it's better we should only treat the dip as an opportunity that hardly comes by, not by pausing our accumulation by waiting for a dip that we are not sure when it's going to come.

[Cyber_warrior]

If you don’t have a stable income, how do you intend to a discretionary income? It is from the stable income you are getting on a regular basis that your will take out the money for personal and household expenses, possibly be left with discretionary income if your personal and household needs doesn’t consume all the money.

Discretionary income is not only gotten from stable income. There are various sources one can get discretionary income from which must not necessarily be a stable income. Discretionary income is the extra money you have left after taking care of essential expenses and it can be from your salary income, allowance, gift, profit from other business, from winning a lottery and so on. So whatever source it's from as long as it the money left after taking care of the expenses then it can be regarded as discretionary income.

Bro, stable income is good YES, nobody is denying that. But that doesn’t mean a person without a stable income can’t be able to invest.
First you should understand that not everybody depends on stable income like salaries or wages. There are business people, freelancers and so on that don’t really have fixed monthly income, but they still have discretionary income and can still invest consistently.

Investing is not only designed for people with stable income so it is very possible to start investing without a stable income. A stable income is just useful to help give financial stability and give us consistency to stay invested for a long period of time so even after investing you can work towards having a stable income it will help your investment in the long run.

[Itz-prisigold]

If you don’t have a stable income, how do you intend to a discretionary income? It is from the stable income you are getting on a regular basis that your will take out the money for personal and household expenses, possibly be left with discretionary income if your personal and household needs doesn’t consume all the money. It doesn’t take much to figure out one’s discretionary income. Once your income gets to your hand, you remove money you know can take care of things that you and your family will need till the next pay day, when that is done, whatever that’s left is your discretionary income. If you don’t have a means by which money flow into your hand, (it could be temporary or stable) you are not going to have a discretionary income, because it is from the money that gets to you that you will get your discretionary income.

I believe what is causing the confusion here is that you are referring to “stable income,” as opposed to “discretionary income,” which they are not really synonymous.

What is right on your statement is that you need to have some discretionary income coming from somewhere first. So that actually means that if no cash is entering your pocket at all,  then it's very obvious that you will not be able to get discretionary income to allocate Bitcoin after taking care of your necessary expenses. But I don't agree that income has to be stable or fixed first, before it can be used to properly accumulate bitcoins.

If a person has irregular income, he or she can still make discretionary income whenever he or she receives some money. While the amount might not be fixed monthly,  that does not actually imply that it is impossible to accumulate Bitcoin. See the most important thing is how a person manages whatever cashflow that comes their way at that moment is the important factor.

Personally, I just believe that most people don't just understand how DCA strategy actually works. They consider it as if somebody had to purchase exactly the same quantity each week, for a lifetime. But in practice DCA can be flexible. Some times a larger purchase is made, some times a smaller purchase,  and sometimes you can just decide to focus more on covering expenses or even trying to strengthen your backup funds first.

The question here is not about perfect stability of income,  but about knowing how to allocate, manage cash flow and how to work within your own financial limit  without going over budget.

[yudi09]

Waiting for the dip before starting your Bitcoin accumulation is wrong, and it's even more unwise to be waiting for the dip when you are a no coiner or you are just starting your Bitcoin accumulation journey, because by waiting you are going to waste valuable buying opportunities by waiting for a dip that may not come when you expect it.
So that is why consistent buying and accumulating is encouraged, then if along the line while accumulating consistently and the dip comes, you may still decide to buy or do it aggressively if you have a reserve funds to carry it out, so it's better we should only treat the dip as an opportunity that hardly comes by, not by pausing our accumulation by waiting for a dip that we are not sure when it's going to come.

They are not looking for profit if they do this because accumulation requires waiting for the price to drop and this is one of the wrong ways for anyone to use this method. There is no problem for anyone accumulating Bitcoin with the price being either increasing or decreasing as long as someone holds the finances they have. It is purely their right to accumulate whether it is decreasing or at a slightly higher level. Waiting for the price to drop is certainly a non-genius mindset observed by someone who does not understand investing so when accumulating they have to postpone it arguing that the price will be at the right time.

What I need to convey is that investing does not need to wait as long as we are still able and have income that is more than the needs to be spent of course we must continue to invest because in the future how much we have done to collect without us realizing that we have gone far from what we have done before. This is based on us doing according to what we have and not forcing the situation to be able to invest while the needs that are spent are not met and that is not possible therefore a person's mindset is always different and what is clear is that every time we start investing there is no need to hesitate to do it and there is no need to delay as long as we still hold on to our goals in investing.

[Alonso_]

For sure having a steady income helps in making your Bitcoin journey easy but then we have see certain people who have income and still struggled in these journey because most of the lack discipline, most of them lack management and they end up struggling in their bitcoin investment.

Discipline plays a big role too, likewise patience. They just don’t help you in Bitcoin investment but in all aspects of life, that why I would say Bitcoin investment is a way of life.

These things helps you a lot, at the end we invest in bitcoin to help have a good future, to makes plans for our future.

Having a steady income is good but having a steady discretionary income is much better because it is discretionary income that we need to invest in bitcoin weekly or monthly. having a steady income isn't a prerequisite to invest in bitcoin but  discretionary income because they are people who have steady incomes but don't have discretionary income to invest.  Steady income isn't a prerequisite for us to get started but discretionary income.. As long as we can figure out discretionary income from our income we wouldn't struggle with our bitcoin investment.

If an investors has a steady source of income yet don't want to invest in Bitcoin is very rare shall but I will agree with you only on the purpose of those investors that are still afraid of accepting the risk of investing, even when DCA method has motivated all investors of losing out anything, if i don't know what will be holding back any investors has the means of generating a discretionary income on a consistent basis after all the payments of bills.

But how is someone called an investor when they have a steady source of income but refuse to invest or have a discretionary income but still not investing? Don’t you think it’ doesn’t make any sense? Not everyone is called an investor, some people are just traders who are looking for opportunities in the market to put there money somewhere, as soon as they come across any profits then boom they make away with the profits, it’s either you’re investing in bitcoin for a long term and holding bitcoin that qualifies you to be called an investor, but you’re not investing in bitcoin even when you have a discretionary income, then you’re not an investor, probably some individuals have investors as nickname doesn’t make them investors.

[avp2306]

Investing in Bitcoin should start with your own excess or risk taking capital. Investing with debt can theoretically be profitable, but in practice it greatly increases the level of risk, Especially in highly volatile assets like Bitcoin. Investing in Bitcoin should start with your own excess or risk-taking capital. Investing with debt can theoretically be profitable, but in practice it greatly increases the level of risk, Especially in highly volatile assets like Bitcoin. Therefore, without an alternative source of stable income and strong risk management, debt based investments can easily lead to financial stress, new investors and long term holding strategies are much more realistic and sustainable than debt based entry.

The only time debts increases the level of risk in buying bitcoin is when you cannot pay the debt through other means, if you rely on the short-term profitability of your portfolio the pay the debt and its interests, then it is a risky financing since your portfolio isn't to be treated as collateral but as an assets that should be held for long. If you are able to pay from another source and you used some loan to buy the dip when it dipped nicely and continue to hold, then you are on some sort of advantage since you got way more quantities at a cheaper price.
People can access low interest loans if available and they're sure of being able to pay for it from within their means, they can channel in their discretionary income meant for buying bitcoin to paying the debt and resume their DCA when they're done paying off since they used the debt to lump sum and get more quantities at a dip.

Even if we say they are taking loans with low interest rate this is still dangerous decision to do. Especially if what their aim is to trade then pay their loans once they already made profits.

Movement of market is so unpredictable, also Bitcoin is good for long term, not as collateral on their loans. Doing DCA then use their discretionary income still the safest option they could do. While if they take loans this adds up pressure because lots of things is uncertain here. Any unwanted market movement can make them decide to sell and maybe their future reason is they have debts need to pay. So better don't do that and as always invest only using their discretionary funds.

[Cossyblack]

So, in conclusion, Investors who Buy Bitcoin are smarter than investors who buy other Properties for Investment.

You're wrong from you perspective because it only requires someone to apply some common sense and discretionary income to buy bitcoin. You don't need to be over smart or a  genius to be able to buy bitcoin,all that is required is just for you to have access to internet,discretionary income and apply some common sense. Bitcoin isn't the only investment we can invest, they are other investments we can invest our money but bitcoin investment is the best. it doesn't mean other investors who chose to invest in a other assets is less smarter than bitcoin investor. Investing in bitcoin is a choice and others who haven't yet invested are not less smart.

[Olatundespo]

<..>

If we talk from now till next year i will keep telling you that discreationary income is what is required of us to invest in Bitcoin, if you have it then you're go to go in Bitcoin investment, do you agree with me that steady income guarantees nothing especially when someone is not interested in Bitcoin investment,

How did you comprehend my text? If you dont have the mindset or interest to invest in bitcoin , will you invest? the answer is "No" we're emphasizing on people who have the interest to invest in bitcoin...So therefore a steady income will make an investor not to be inquisitive or not be on panic to withdraw it investment, likewise someone who uses it spare funds to invest in bitcoin, it will not withdraw it investment quickly like someone who uses all it has to invest...What do you understand by discretionary income? Just equate what I said with the meaning of discretionary income..

Bitcoin investment will be easier for those who invest with discretionary income and discretionary income. Because they invest as much money as they can afford to lose, due to which they do not have any impact on Bitcoin investment if they face such risks and any danger. As a result, Bitcoin investment is much easier to sustain year after year, that is why you should participate in Bitcoin investment with the extra money that you earn in Bitcoin investment after excluding basic expenses.

The biggest advantage of saving Bitcoin through discretionary income is the investment strategy through the remaining funds after meeting all the household needs. Long term is a 4-10 year Bitcoin accumulation goal that can be easily maintained. You will need an emergency fund to sustain this long term accumulation because the needs are often not limited. There is a risk of physical illness as well as the possibility of losing your job. But you need to continue accumulation Bitcoin because you want to reach the goal that you have set. Sometimes your needs will be higher than expected but keep the Bitcoin accumulation in line in such a way that you meet your daily needs and build up your Bitcoin holdings for the future. Keep your expenses in line with your income and build an emergency fund as well as a cash flow because you need to be in a good financial position for the future as well as the present.