DCA is a way in which we purchase whatever the price is. If you use DCA to make regular purchases within your budget, you can adjust the amount of aggression accordingly. However, unless you save money, you cannot be certain that you will have enough money to buy when the price reduces. Whether or not to save money, and how much to save, can be a good or terrible option depending on where the individual is in their Bitcoin accumulation path.
When an individual obtains an unexpected quantity of money during or as a result of a price decline, they begin to consider ways to raise further funds or reallocate some of the money they had set aside for another sector into Bitcoin.
You seem confused… DCA is about buying consistently with money you can comfortably afford, not about waiting for the price to go down or the need to find extra money whenever the market drops. If investors have extra available funds, then it's their personal decision on how to use them. But no one should feel that a price decline means they have to move money from other priorities just to buy more BTC.
Long term approach is far more sustainable when it fits your budget and can be maintained through both market fluctuations
Some people still don't understand what DCA strategy of Bitcoin accumulation means they sometimes contradict themselves, and this is one of the reasons why some bitcoin investors are still not on the right track because they don't understand the various strategies and what it means and how to use them.
Whenever there is a dip in Bitcoin you can actually decide to use money you have no use for to accumulate aggressively, however what I don't support is using money meant for another project or another investment to accumulate aggressively when there is a dip in Bitcoin.
Investing in Bitcoin with borrowed money is quite useful, because the money you invest in Bitcoin is the money you will keep in the future. So if you buy Bitcoin with printed money and you have to repay that loan and you do not have the money, you will be forced to leave the Bitcoin investment at a loss. That is why I say that you deposit Bitcoin even if it is a small amount with your discretionary income, if you deposit Bitcoin through the DCA method, you will deposit enough Bitcoin and you will save more on your expenses during the dumping season.
The DCA method tries to give the investor a good gift from any side, so if you want to invest in Bitcoin, you must invest with discretionary income, then it will be possible to get a good reward.
Personally, I don’t think investing with borrowed money is a recommended approach, because essentially this type of investment is made using our own discretionary funds. While it does make sense to use borrowed money for investing, we must be aware that this carries risks, and if something unexpected happens, we’ll suffer a double loss. However, if you have a steady income that’s substantial enough to cover the payments by the due date, it might not be a problem. What you shouldn’t do is borrow money to invest when you don’t have a source of income to repay it and are simply relying on the investment itself to cover the loan that’s the wrong way of thinking, because this type of investment is better suited for the long term, not the short term.
