JJG’s Outline of Bitcoin Investment Ideas

[Agbam]

Taking a loan during a dip is not a great idea. There are other ways an investor can actually prepare for a dip , for an investor that is planning to buying bitcoin during a dip is not a good idea for them to wait for the dip to occur before they can start accumulating bitcoin. They can be going with bitcoin accumulation using DCA strategy and be setting aside some part of there discretionary income for buying the dip. An investor can take loan to buy bitcoin during a dip when they have other means of paying back the loan aside there bitcoin investment but it is still not a good idea to take loan in other to buy bitcoin during a dip.

I don't see anything wrong with investing in debt under any circumstances if you have the ability to repay the loan while keeping the promise. Especially when the market is giving us the opportunity to buy dips, if there is an opportunity to invest in debt and if you have the ability to repay the loan on time, you can definitely invest in debt, it can be a wise move.

In this case, you must be especially careful about repaying the loan, if there is even the slightest doubt about the ability to repay the loan on time, then refrain from investing in debt. Even there is no need to take complicated loans for investment, if you are able to get a loan easily, then plan to invest in debt. Debt is not bad if you have the ability to repay and are honest in repaying the loan.

Even your first line doesn’t that sound strange to you “investing in debt”. I don’t see any reason why someone  would want to buy Bitcoin with a loan. Why not consistently buy with your discretionary? Or is the goal to catch a dip ? Which is also a mindset I don’t agree with.

Investors have to learn to be patient, there’s no need for a rush in buying or trying to catch a perfect dip. You can loan and buy a dip and the market goes deeper.
Taking of loans to invest no matter the time is not a good idea even when you have a means of repayment, you’re still taking on additional risks. In some or most cases the cost of repaying the loans ends up reducing your overall returns.
Building a bitcoin portfolio with money that is your discretionary income consistently is still the best.

[The Founding Titan]

This is the reason that waiting for dip to come is truly risky, because as we all know no one out here can predict on when that dipping situation will happen. Try to wait will cause them lots of delays and that's bad investment actually because they might get affected on other things.

Acting early by doing DCA will be the best approach, since it remove all negative things which is not helpful to them and this will make them became more consistent. Panic selling will not lead them to anything positive. So if they are engaging with that approach they will continue to start over and over again.

You’re right. Besides, even when prices drop, we don’t know exactly when to buy because there’s still a chance they could fall further, and that’s when panic might set in ultimately leading to selling at a loss.
 
Therefore, I think a good approach is to use DCA, don’t be discouraged by the small amounts, because if done consistently this is better than waiting for a single moment like a price drop. We should focus more on a strategy to accumulate purchases rather than waiting for a price drop that may or may not happen and might not even happen at all.

Even considering the amount people use to invest with the DCA as small isn't exactly correct even, people invest what they can using the DCA, one of its best quality is that you don't need to have too much to be able to invest in bitcoin using the DCA, you just need to have your discretionary income from which you can invest any amount you can tolerate, anything more than that will be a problem for the person and if you can't afford to lose the money then it's not a small amount.

On DCA it does not matter if what they can afford to put is small or big, but rather what's important here is the funds they can spend came from their own discretionary income. There are people can spend $10, $20, $100 or even $200 or maybe more bigger to what figures given, but everything is manageable to them.

DCA could work and adopt on individuals cash flow also on their own comfort, It does not also pressure anyone to invest any fixed amounts. This is the reason why DCA is best strategy since its flexible and easy to apply.

There is nothing wrong with putting in big with the DCA as long as your discretionary income can afford it, people with bigger discretionary can invest an amount that can be considered as lump sum by others with the DCA, the amount of range the DCA has is what makes it the best bitcoin investment strategy among the different bitcoin investment strategies been and that's also why people like using it, it can include different investors with different discretionary budgets.

[Jamestown70]

Taking a loan during a dip is not a great idea. There are other ways an investor can actually prepare for a dip , for an investor that is planning to buying bitcoin during a dip is not a good idea for them to wait for the dip to occur before they can start accumulating bitcoin. They can be going with bitcoin accumulation using DCA strategy and be setting aside some part of there discretionary income for buying the dip. An investor can take loan to buy bitcoin during a dip when they have other means of paying back the loan aside there bitcoin investment but it is still not a good idea to take loan in other to buy bitcoin during a dip.

I don't see anything wrong with investing in debt under any circumstances if you have the ability to repay the loan while keeping the promise. Especially when the market is giving us the opportunity to buy dips, if there is an opportunity to invest in debt and if you have the ability to repay the loan on time, you can definitely invest in debt, it can be a wise move.

In this case, you must be especially careful about repaying the loan, if there is even the slightest doubt about the ability to repay the loan on time, then refrain from investing in debt. Even there is no need to take complicated loans for investment, if you are able to get a loan easily, then plan to invest in debt. Debt is not bad if you have the ability to repay and are honest in repaying the loan.

Even your first line doesn’t that sound strange to you “investing in debt”. I don’t see any reason why someone  would want to buy Bitcoin with a loan. Why not consistently buy with your discretionary? Or is the goal to catch a dip ? Which is also a mindset I don’t agree with.

Investors have to learn to be patient, there’s no need for a rush in buying or trying to catch a perfect dip. You can loan and buy a dip and the market goes deeper.
Taking of loans to invest no matter the time is not a good idea even when you have a means of repayment, you’re still taking on additional risks. In some or most cases the cost of repaying the loans ends up reducing your overall returns.
Building a bitcoin portfolio with money that is your discretionary income consistently is still the best.

I guess no one is  of the opinion that using your discretionary fund to invest isn’t the best, it’s the most stress free method. But yet, I still agree to what Creeper0 said, let’s assume a guy have a landed property or any other valuable assets he’s no longer in need of and he put it up for sale few days later he got  a client that is willing to buy these things in about few days time. Fortunately for him during the period he’s waiting for his client to pay there’s was an opportunity that presented itself in the market (i.e there was a sudden dip in Bitcoin price that he can not let slide without utilizing the opportunity to add to his stash), then he decided to borrow approximately 50% cash worth of his property he is about to sell so that he’ll be able to grab the opportunity as it was still within his reach. In the cases the client doesn’t come to pay for the property and the guy has already taken the loan, when the time for repayment comes, that’s where the guy emergency fund come in play.

The higher a guys bitcoin portfolio increases, there should also be some increase in their emergency fund to help as cushion in the cases of feature curiosity. As long as folk had a means of repayment, I don’t see anything wrong investing with a loan or in debt as you’ve said

[Razmirraz]

Snip.

There is nothing wrong with putting in big with the DCA as long as your discretionary income can afford it, people with bigger discretionary can invest an amount that can be considered as lump sum by others with the DCA, the amount of range the DCA has is what makes it the best bitcoin investment strategy among the different bitcoin investment strategies been and that's also why people like using it, it can include different investors with different discretionary budgets.

That's what makes DCA the king of strategies in Bitcoin. DCA is a very democratic strategy, there is no minimum amount for investors. Students can apply the DCA strategy of $20 per week, employees $100 per month and company bosses $1000 per month, different amounts are acceptable to apply depending on the financial capacity that is ready to be invested. The most important thing is to stick to the same rules, invest regularly and don't guess market prices, the only difference is the size of the numbers.

What is needed in the DCA strategy is just discipline, even if your knowledge in investing is very limited and the money you are ready to invest is small, you can still invest safely with DCA. As long as you use discretionary income, there's nothing wrong with investing heavily using DCA, as long as it's not borrowed money or money for other basic needs. If you have an income of $5,000 per month and set aside $500 for investment, that is your version of DCA, while those who only earn $1,000 per month and set aside $100 for investment, then that is their version of DCA.

[Mandoy]

This is the reason that waiting for dip to come is truly risky, because as we all know no one out here can predict on when that dipping situation will happen. Try to wait will cause them lots of delays and that's bad investment actually because they might get affected on other things.

Acting early by doing DCA will be the best approach, since it remove all negative things which is not helpful to them and this will make them became more consistent. Panic selling will not lead them to anything positive. So if they are engaging with that approach they will continue to start over and over again.

You’re right. Besides, even when prices drop, we don’t know exactly when to buy because there’s still a chance they could fall further, and that’s when panic might set in ultimately leading to selling at a loss.
 
Therefore, I think a good approach is to use DCA, don’t be discouraged by the small amounts, because if done consistently this is better than waiting for a single moment like a price drop. We should focus more on a strategy to accumulate purchases rather than waiting for a price drop that may or may not happen and might not even happen at all.

Even considering the amount people use to invest with the DCA as small isn't exactly correct even, people invest what they can using the DCA, one of its best quality is that you don't need to have too much to be able to invest in bitcoin using the DCA, you just need to have your discretionary income from which you can invest any amount you can tolerate, anything more than that will be a problem for the person and if you can't afford to lose the money then it's not a small amount.

On DCA it does not matter if what they can afford to put is small or big, but rather what's important here is the funds they can spend came from their own discretionary income. There are people can spend $10, $20, $100 or even $200 or maybe more bigger to what figures given, but everything is manageable to them.

DCA could work and adopt on individuals cash flow also on their own comfort, It does not also pressure anyone to invest any fixed amounts. This is the reason why DCA is best strategy since its flexible and easy to apply.

There is nothing wrong with putting in big with the DCA as long as your discretionary income can afford it, people with bigger discretionary can invest an amount that can be considered as lump sum by others with the DCA, the amount of range the DCA has is what makes it the best bitcoin investment strategy among the different bitcoin investment strategies been and that's also why people like using it, it can include different investors with different discretionary budgets.

It's well said that DCA is flexible enough to fit different income levels. The amount is not important, it is whether one is able to save that amount of money out of their discretionary income. There is a tendency for many investors to get distracted by trying to time the dips but no one can be a perfect timing on entering. That is why it is still beneficial to maintain a disciplined DCA. It eliminates emotional decision making, lowers the chance of panic selling or buying. And enables investors to consistently buy Bitcoin over time. Regardless of market conditions. It's often more important to make smaller purchases consistently than to have a large purchase that only happens once in awhile.

[SmartCharpa]

I agree with your idea because a lot of people think they need a big amount before they can start buying Bitcoin, they  forget that one the most important thing is figuring out their discretionary income first.

As an investor once my essential expenses are covered, I can use some portion of the remaining money to DCA into Bitcoin, even if it's a small amount and use the  remar to create  a backup  account, Over time, those small purchases add up. Because the goal is not to invest money needed for daily living, but to steadily accumulate an asset with long trm value while staying financially comfortable.

In my opinion, anyone who thinks they need a huge amounts of money to start investing in Bitcoin will not have the patience to continue buying for the long term. It can only be those who believe Bitcoin is meant for making a quick profit. Bitcoin doesn’t require a lot of money to get started, just make sure that you are not buying with the amount you might need tomorrow, and you will continue to learn along the way.

Another thing every investor should do before investing, and that is to ensure their income, and develop an alternative source of income

You mean even those with only one source of income should find an alternative source of income before investing in Bitcoin? No way, it’s not necessary for everyone to have an alternative source of income before investing. Even if you have only one source of income, no matter how much you earn every month, as long as you are able to set aside some discretionary income, you are free to invest.

[Proty]

You mean even those with only one source of income should find an alternative source of income before investing in Bitcoin? No way, it’s not necessary for everyone to have an alternative source of income before investing. Even if you have only one source of income, no matter how much you earn every month, as long as you are able to set aside some discretionary income, you are free to invest.

It is not important that an anyone that has figured out there discretionary income and want to invest in bitcoin must have an alternative source of income. Nothing having an alternative source of income shouldn't stop anyone that is willing to invest in bitcoin not to do that provided they have discretionary income to invest with. Discretionary income is what is needed for an investor to start investing in bitcoin and not alternative source of income. Unless those without discretionary may consider looking for alternatives source of income or to cut down there spending in other to have left over cash ( discretionary income) to invest in bitcoin.

[samadam007]

let’s assume a guy have a landed property or any other valuable assets he’s no longer in need of and he put it up for sale few days later he got  a client that is willing to buy these things in about few days time. Fortunately for him during the period he’s waiting for his client to pay there’s was an opportunity that presented itself in the market (i.e there was a sudden dip in Bitcoin price that he can not let slide without utilizing the opportunity to add to his stash), then he decided to borrow approximately 50% cash worth of his property he is about to sell so that he’ll be able to grab the opportunity as it was still within his reach. In the cases the client doesn’t come to pay for the property and the guy has already taken the loan, when the time for repayment comes, that’s where the guy emergency fund come in play.

The higher a guys bitcoin portfolio increases, there should also be some increase in their emergency fund to help as cushion in the cases of feature curiosity. As long as folk had a means of repayment, I don’t see anything wrong investing with a loan or in debt as you’ve said

Having a way to repay loan don’t make borrowing to invest a safe decision. Your analogy and arguement is based on assumption not reality. A person who has a property "about to be sold" does not actually have the cash yet. Until the money is received, there is no guarantee. Borrowing against an expected future event is different from investing with money already in possession….. things don't always go as planned cos we can't control it.The property selling could be delayed, cancelled or sold for less than expected. Absolutely more. Taking a loan because you don't want to miss a market move is still a risk because no one can tell if the price of BTC will remain down or dip more

Emergency fund is meant for real emergencies . Folks using it as backup plan for investment loan defeats the primary purpose and can leave someone stranded. In the end, its more safer to use money you have already instead of borrowing because you want to invest

[Silikiem]

Taking a loan during a dip is not a great idea. There are other ways an investor can actually prepare for a dip , for an investor that is planning to buying bitcoin during a dip is not a good idea for them to wait for the dip to occur before they can start accumulating bitcoin. They can be going with bitcoin accumulation using DCA strategy and be setting aside some part of there discretionary income for buying the dip. An investor can take loan to buy bitcoin during a dip when they have other means of paying back the loan aside there bitcoin investment but it is still not a good idea to take loan in other to buy bitcoin during a dip.

I don't see anything wrong with investing in debt under any circumstances if you have the ability to repay the loan while keeping the promise. Especially when the market is giving us the opportunity to buy dips, if there is an opportunity to invest in debt and if you have the ability to repay the loan on time, you can definitely invest in debt, it can be a wise move.

In this case, you must be especially careful about repaying the loan, if there is even the slightest doubt about the ability to repay the loan on time, then refrain from investing in debt. Even there is no need to take complicated loans for investment, if you are able to get a loan easily, then plan to invest in debt. Debt is not bad if you have the ability to repay and are honest in repaying the loan.

Even your first line doesn’t that sound strange to you “investing in debt”. I don’t see any reason why someone  would want to buy Bitcoin with a loan. Why not consistently buy with your discretionary? Or is the goal to catch a dip ? Which is also a mindset I don’t agree with.

Investors have to learn to be patient, there’s no need for a rush in buying or trying to catch a perfect dip. You can loan and buy a dip and the market goes deeper.
Taking of loans to invest no matter the time is not a good idea even when you have a means of repayment, you’re still taking on additional risks. In some or most cases the cost of repaying the loans ends up reducing your overall returns.
Building a bitcoin portfolio with money that is your discretionary income consistently is still the best.

I guess no one is  of the opinion that using your discretionary fund to invest isn’t the best, it’s the most stress free method. But yet, I still agree to what Creeper0 said, let’s assume a guy have a landed property or any other valuable assets he’s no longer in need of and he put it up for sale few days later he got  a client that is willing to buy these things in about few days time. Fortunately for him during the period he’s waiting for his client to pay there’s was an opportunity that presented itself in the market (i.e there was a sudden dip in Bitcoin price that he can not let slide without utilizing the opportunity to add to his stash), then he decided to borrow approximately 50% cash worth of his property he is about to sell so that he’ll be able to grab the opportunity as it was still within his reach. In the cases the client doesn’t come to pay for the property and the guy has already taken the loan, when the time for repayment comes, that’s where the guy emergency fund come in play.

The higher a guys bitcoin portfolio increases, there should also be some increase in their emergency fund to help as cushion in the cases of feature curiosity. As long as folk had a means of repayment, I don’t see anything wrong investing with a loan or in debt as you’ve said

Why are you in such a rush to buy the dip, why can’t you exercise patience until you are fully sure that you’ve sold out the property instead of putting pressure in yourself all in the name of buying the dip. As a long term investor, even if you see there’s a dip before you and you don’t have the available reserve funds to buy as much as you can at such a reduced price, you don’t have to put yourself in such kind of risk and uncertainty with unnecessary pressure going to take loan immediately so you can use it to buy the dip hoping that your client will come and buy your property so you can use the money generated from the sold property to repay the loan and at the end your client disappoints you by not buying the property again. The truth is, you’re a long term investor and not a short term profit chasing trader and even if you miss out buying more on that dip due to unavailable reserves funds, you can still buy bitcoin with the little available discretionary income at your disposal, or better still if you noticed you don’t have even available discretionary income, you wait until you’ve probably sold the property and have the cash with you at hand which you’re very sure of figuring a discretionary income from there to use and buy bitcoin and hold. It’s not a must you must buy every dip, even more so as a long term investor whose initial strategy is focused on consistently or perhaps persistently accumulation of bitcoin and hold with the DCA method, there’s no need putting yourself in a pressure to buy the dip as you can always buy bitcoin at any market price and at any time you have available discretionary income.

[Merit.s]

when the time for repayment comes, that’s where the guy emergency fund come in play.

Taking a loan to invest in bitcoin and plan to use your emergency funds to repay back your loan isn't ideal because your emergency funds should always be on ground as long as you are accumulating bitcoin and haven't reached your bitcoin target because emergency can pop up at any given time without your notice. It's better that if you don't have your discretionary income on ground and hope to sell a property, you should sell it first before buying bitcoin and don't allow the dip put you into pressure and make you invest in the wrong way with the wrong funds because that is gambling.

Imagine, that you paid back the loan with your emergency funds and you are hit with real life emergency, you will use your bitcoin to take care of the emergency which has killed the purpose of building an emergency funds to backup your bitcoin investment. No one should gamble with his emergency funds if not, you are gambling with your bitcoin investment because no emergency funds, you cannot survive in your bitcoin accumulation journey.

The higher a guys bitcoin portfolio increases, there should also be some increase in their emergency fund to help as cushion in the cases of feature curiosity. As long as folk had a means of repayment, I don’t see anything wrong investing with a loan or in debt as you’ve said

Your example above isn't a means to pay back your loan so it's useless taking a loan to start your bitcoin investment without having a means of income that you can use to pay back the loan. Emergency funds isn't an income or for loan repayment

[Humblevirus]

You mean even those with only one source of income should find an alternative source of income before investing in Bitcoin? No way, it’s not necessary for everyone to have an alternative source of income before investing. Even if you have only one source of income, no matter how much you earn every month, as long as you are able to set aside some discretionary income, you are free to invest.

It is not important that an anyone that has figured out there discretionary income and want to invest in bitcoin must have an alternative source of income. Nothing having an alternative source of income shouldn't stop anyone that is willing to invest in bitcoin not to do that provided they have discretionary income to invest with. Discretionary income is what is needed for an investor to start investing in bitcoin and not alternative source of income. Unless those without discretionary may consider looking for alternatives source of income or to cut down there spending in other to have left over cash ( discretionary income) to invest in bitcoin.

The point is that having alternative sources of income does not automatically guarantee that someone should invest in Bitcoin. What is most important before investing in Bitcoin is having discretionary funds. Once someone has discretionary funds, they can start investing in Bitcoin. However, if someone cannot set aside discretionary funds, it is not advisable to begin a Bitcoin investment.There are some people who have multiple sources of income, but they are still unable to set aside discretionary funds because their earnings may be small and cannot even cover their essential needs. Everyone's focus should be on having discretionary funds before starting a Bitcoin investment, not simply on having multiple sources of income.It is true that multiple sources of income can increase a person's earnings, but that alone is not a reason to start investing in Bitcoin.

[Grease5000]

You mean even those with only one source of income should find an alternative source of income before investing in Bitcoin? No way, it’s not necessary for everyone to have an alternative source of income before investing. Even if you have only one source of income, no matter how much you earn every month, as long as you are able to set aside some discretionary income, you are free to invest.

I agree with your opinion because having more than one source of income is good, but it is not .a requirement or something a person must have before buying Bitcoin.

For me, the important thing is having some discretionary income. Because  if an investor is able to figure out his discretionary income even with one source of income, he can still buy bitcoin little by little through DCA if he manages his money properly. Extra sources of income can help an investor increase  his discretionary income which enable him to buy more, but they shouldn't be the reason he delays getting started.

[obuoma]

I guess no one is  of the opinion that using your discretionary fund to invest isn’t the best, it’s the most stress free method. But yet, I still agree to what Creeper0 said, let’s assume a guy have a landed property or any other valuable assets he’s no longer in need of and he put it up for sale few days later he got  a client that is willing to buy these things in about few days time. Fortunately for him during the period he’s waiting for his client to pay there’s was an opportunity that presented itself in the market (i.e there was a sudden dip in Bitcoin price that he can not let slide without utilizing the opportunity to add to his stash), then he decided to borrow approximately 50% cash worth of his property he is about to sell so that he’ll be able to grab the opportunity as it was still within his reach. In the cases the client doesn’t come to pay for the property and the guy has already taken the loan, when the time for repayment comes, that’s where the guy emergency fund come in play.

The higher a guys bitcoin portfolio increases, there should also be some increase in their emergency fund to help as cushion in the cases of feature curiosity. As long as folk had a means of repayment, I don’t see anything wrong investing with a loan or in debt as you’ve said

What you have described now is similar to FOMO which is highly discouraged in Bitcoin investing because it can lead to problems. If you don't plan your investment by using strictly your discretionary income, you may be forced to sell your Bitcoin when you did not plan to sell. Money you are expecting from a property you put up for sell is not cash at hand and therefore does not qualify as discretionary income since such money is still based on probabilities. Imagine borrow because of such property and the potential buyer changes his mind, leaving you with no immediate buyer, what do you think will happen to the loan, it will begin to compound in interest to the point that you may be forced to sell your Bitcoin to pay off the loan to avoid accumulating more interests. It is always better to invest with discretionary income.

[Furious 7]

What is needed in the DCA strategy is just discipline, even if your knowledge in investing is very limited and the money you are ready to invest is small, you can still invest safely with DCA. As long as you use discretionary income, there's nothing wrong with investing heavily using DCA, as long as it's not borrowed money or money for other basic needs. If you have an income of $5,000 per month and set aside $500 for investment, that is your version of DCA, while those who only earn $1,000 per month and set aside $100 for investment, then that is their version of DCA.

That's right, we can gain knowledge even when we have invested as well as for the amount because it is possible that over time we will adjust and make this grow because the longer we are the more we can manage our cash flow, the most important thing is to buy.

Even if it is from the smallest first it will not be a problem as long as we make purchases even it will seem to be good (personal assumption) because the more we can add according to the ability we have for purchases.  This will be much better than we try from the beginning in an aggressive way but instead stop in the middle of the road because of the difficulty in balancing the cash flow we have.

[Creeper0]

You mean even those with only one source of income should find an alternative source of income before investing in Bitcoin? No way, it’s not necessary for everyone to have an alternative source of income before investing. Even if you have only one source of income, no matter how much you earn every month, as long as you are able to set aside some discretionary income, you are free to invest.

I agree with your opinion because having more than one source of income is good, but it is not .a requirement or something a person must have before buying Bitcoin.

For me, the important thing is having some discretionary income. Because  if an investor is able to figure out his discretionary income even with one source of income, he can still buy bitcoin little by little through DCA if he manages his money properly. Extra sources of income can help an investor increase  his discretionary income which enable him to buy more, but they shouldn't be the reason he delays getting started.

It is not necessary to have multiple sources of income for investing and it should not be used as an excuse to delay starting investing. Of course, having multiple sources of income is good, it will help you add additional discretionary money for investing and also help in financial management. If your main source of income already gives you the ability to invest with discretionary money, then you should not delay having multiple sources of income. If you are short of financial capacity and in any way your main source of income is not able to give you discretionary money for investing, then you can focus on multiple sources of income.

In this case, I think we should have one active source of income which will be our main source of income. As an alternative source of income, we can use passive sources of income. This is a convenient strategy. It is very difficult to work on multiple active sources of income and having all of them as passive sources of income is risky. However, there is no strict rule in this regard, you can have any source of income you want. Discretionary money is needed for investing, where this money will come from is not the main issue.

[DubemIfedigbo001]

Taking of loans to invest no matter the time is not a good idea even when you have a means of repayment, you’re still taking on additional risks. In some or most cases the cost of repaying the loans ends up reducing your overall returns.
Building a bitcoin portfolio with money that is your discretionary income consistently is still the best.

You're wrong on this one, if the investor has a means of paying back without tapping into their bitcoin, then it is not a bad idea. If you as an investor stumbles on a very nice dip and takes advantage of it with a low interest loan payable through your own means, then  you can take it and lump sum on the nice dip to bag in more quantities at that price, then you can make it feel normal by paying for the loan with your normal DCA amount for the duration you've to pay it back.

Let's take a little example, you DCA $200 monthly into bitcoin and when the dip came by you're able to secure a loan of 10% interest per annum and you went ahead and took a $2k loan to lump sum on that dip, you can continue paying with your regular $200 monthly and pay up the loan and the interest which is $2200 on the 11th month. You can then resume your Normal DCA and take it that you DCAed 11 months worth of investment funds at once when you bought the dip.

[Showlove01]

You mean even those with only one source of income should find an alternative source of income before investing in Bitcoin? No way, it’s not necessary for everyone to have an alternative source of income before investing. Even if you have only one source of income, no matter how much you earn every month, as long as you are able to set aside some discretionary income, you are free to invest.

It is not important that an anyone that has figured out there discretionary income and want to invest in bitcoin must have an alternative source of income. Nothing having an alternative source of income shouldn't stop anyone that is willing to invest in bitcoin not to do that provided they have discretionary income to invest with. Discretionary income is what is needed for an investor to start investing in bitcoin and not alternative source of income. Unless those without discretionary may consider looking for alternatives source of income or to cut down there spending in other to have left over cash ( discretionary income) to invest in bitcoin.

Most of the people that always find or look for excuse why they are not  investing are those who are not interested in Bitcoin investment because anyone who is  interested in Bitcoin investment will not wait for alternative or different sources of income before they can be able to invest in Bitcoin. The most important thing in every Investment and what an investor should have is their discretionary income and in conclusion alternative source of income is not a criteria in Bitcoin investment.

[BluebloodCXVI]

There is nothing wrong with putting in big with the DCA as long as your discretionary income can afford it, people with bigger discretionary can invest an amount that can be considered as lump sum by others with the DCA, the amount of range the DCA has is what makes it the best bitcoin investment strategy among the different bitcoin investment strategies been and that's also why people like using it, it can include different investors with different discretionary budgets.

I certainly agree that DCA strategy is flexible enough to accommodate investors that have different discretionary incomes. However, I feel like the size of a person’s DCA contribution does not necessarily make DCA the superior strategy above others. Of course Flexibility is an advantage, but to determine whether DCA or lump sum investing, or a combination of both is most suitable for a person, it depends on that person’s financial situation, risk tolerance, and the market outlook.

[Obulis]

Edit....

People can start with just $10 or any other small amount and learn as they go. And along with buying Bitcoin, they can also build their own savings. So a person needs to figure out whether they have a discretionary fund or not. And also calculate their income and expenses. If a person gets a salary of about $500 every two weeks and their basic expenses are about $400 every two weeks, then they will calculate that they have $100 as discretionary fund every two weeks. What I mean by this small example is that needs and responsibilities should be prioritized and then the remaining money should be invested. Investing from discretionary income means that we are making sure that this money is not needed for urgent needs and we are able to afford to lose this money.

How much an investor will invest consistently will depend entirely on the income of that investor and the discretionary income of that investor. If the investor can accumulate a large amount of discretionary income by meeting all his needs and keeping other expenses aside, then those investors can use a large amount of money for continuous investment. Investors are always asked to use discretionary income for investment because by investing with this discretionary income, investors usually do not have to face any financial problems later because this money is money outside all expenses. It is very important to maintain the continuity of investment as an investor. If an investor invests aggressively for a few days and if he has to sell due to financial distress due to lack of planning ahead, then the real purpose of the investment is never fulfilled, so I think it is better to invest a relatively small amount of money continuously than to sell it later.

I think I get your point, that the amount of money an investor invest using DCA depends totally on the amount of income of the investor and the discretionary funds available. Of a truth the amount of income does not determine the amount of discretionary funds because an investor earning lesser amount of money may have more discretionary funds than an investor earning higher amount of money. Altogether, different things determines the amount of discretionary funds an investor will have available.
Applying DCA using discretionary funds gives an investor almost totally financial and emotional pressure free investment journey.

[JayJuanGee]

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There is nothing wrong with putting in big with the DCA as long as your discretionary income can afford it, people with bigger discretionary can invest an amount that can be considered as lump sum by others with the DCA, the amount of range the DCA has is what makes it the best bitcoin investment strategy among the different bitcoin investment strategies been and that's also why people like using it, it can include different investors with different discretionary budgets.

That's what makes DCA the king of strategies in Bitcoin. DCA is a very democratic strategy, there is no minimum amount for investors. Students can apply the DCA strategy of $20 per week, employees $100 per month and company bosses $1000 per month, different amounts are acceptable to apply depending on the financial capacity that is ready to be invested. The most important thing is to stick to the same rules, invest regularly and don't guess market prices, the only difference is the size of the numbers.

What is needed in the DCA strategy is just discipline, even if your knowledge in investing is very limited and the money you are ready to invest is small, you can still invest safely with DCA. As long as you use discretionary income, there's nothing wrong with investing heavily using DCA, as long as it's not borrowed money or money for other basic needs. If you have an income of $5,000 per month and set aside $500 for investment, that is your version of DCA, while those who only earn $1,000 per month and set aside $100 for investment, then that is their version of DCA.

The examples that you give in your last paragraph need to account for expenses first, otherwise we have no idea if you proposed amounts to set aside for buying bitcoin are even close to reasonable.

In other words, there is a need to figure out discretionary income, so that we are able to figure out how much money is actually available and not necessary to cover various basic expenses.