Not only in Bitcoin even if in another thing that we invest you can not even use all your funds to invest, talk More of Bitcoin, and Bitcoin is not short time business is long time run business. So you should not have the mindset to invest all your money there, so you should have discretionary funds. and also you should learn crypto understand everything, I we not advice you to borrow money, just start small and stay calm.
First of all, I think you should be more specific when referring to Bitcoin and desist from throwing vague terms like “crypto” around, the telos of this thread’s discussion is concerning Bitcoin not crypto so you should refer to Bitcoin as simply Bitcoin and not crypto so other people and even yourself don’t get it confused with shitcoins.
Secondly, long term investment is not a business and so it should not be referred to as one because a business involves buying and selling which is not how long term investment works, so calling it a business defeats the whole idea of long term accumulation and wealth preservation. That being said, once a person starts to treat bitcoin like a business, they will definitely become more concerned with constant returns, frequent buying and selling, or even using their holdings aggressively so they can generate income and this will in turn shift their attention away from the original goal of steadily building and preserving wealth over time.
The smart Bitcoin holders see accumulation more like putting money aside for their future in an asset that they believe will become more valuable over time, so their goal is usually to build wealth patiently and hold onto it, that’s how long term bitcoin investment is supposed to be, not to constantly treat it like a business that must produce daily profits or regular income.
This is because a person has very small expenses making it natural for them to accumulate Bitcoin over any period of time. It's clear that someone doesn't have many expenses because they don't have responsibilities so when they have income they have more left over than expenses. If this happens when someone invests it's as if they don't remember the time to invest. This person will have a substantial amount of assets because they always accumulate Bitcoin and every time they receive income they immediately use a portion of their needs to invest in Bitcoin.
And this part of the doubt is not a problem because it does not have responsibility and in contrast to the opposite for people who have responsibility sometimes every time there is income generated of course expenses will be more and this does not mean that someone does not want to accumulate on the grounds that the sufficiency of the income generated is very limited and only enough for the needs spent so that no matter how it is done it will not be possible to accumulate Bitcoin unless one of the ways is to have an alternative job that can produce a source of income that can be invested by accumulating Bitcoin with an amount that will be collected into assets in the future.
I almost had a seizure trying to read through your write up, geez man!.
Anyway, to the best of my ability, I’ve been able to try and understand what you mean to an extent and I agree with some parts. Now it’s true that someone with minimal expenses will naturally have more disposable income, so it will definitely be more easier for them to be able to accumulate more bitcoin consistently over time. In many cases, they can even invest immediately after they get paid because they don’t have as many overwhelming priorities to handle and if they continue to regularly put those excess leftovers into bitcoin, that consistency can significantly increase the amount of their bitcoin assets than usual over time.
Now people with more responsibilities face a completely different reality because most times when they get paid, their income is mostly consumed by rent, feeding, bills, family needs, transportation, or emergencies, so there may be very little left for them to invest but that does not always mean that they lack interest in Bitcoin or long-term planning, it just simply reflects their financial limitations.
Where I disagree with you is your idea that accumulation will become almost impossible unless someone gets another source of income for themselves. Yes increasing income can definitely help, but you need to understand that accumulation can still happen on a small scale through discipline and consistency, even if the amounts are tiny. The pace will obviously be slower compared to someone with fewer expenses, but gradual accumulation is still accumulation, slow motion is better than no motion.
