Buy Buy Buy or Sell Sell Sell?

[GIF-JOBS]

The best way to catch the lowest part of the dip is by constant accumulation, wether it's weekly or monthly through the dca accumulating strategy and when that lowest dip comes, you might still buy and accumulate Bitcoin then, or you buy aggressively at that point if you have the reserve funds available to make that happen, but if you are not buying and accumulating and you are waiting only to buy the dip, you may miss out on the dip when it comes because you might not even know when that lowest dip may comes or the dip you may be anticipating might not come, and you may not even buy at all, so waiting before buying Bitcoin is never a great idea, since the likelihood of missing out on so many buying opportunities are very high .

I agree with you that the best way to buy BTC at the lowest price is to make continuous purchases using the DCA system. My experience has been the same, because planning to buy BTC at its lowest price is definitely not a good idea, as we don't know when the price of BTC will reach its lowest point. So, I think your idea is very good, which is essentially to use the DCA technique. However, in this case, everyone has different ways of accumulating BTC. But sometimes, in my opinion, the biggest challenge in long-term BTC investing is when BTC reaches a new all-time high (ATH) and feel tempted to sell and take profits. Have you ever experienced something like that? Fortunately, when BTC reached a new ATH, I wasn't tempted and didn't sell my BTC.

The biggest strength of the DCA strategy is to buy Bitcoin with a consistent mindset instead of thinking unnecessarily. It is almost impossible to try to predict when the market will go down, and while trying to do so, most people make the wrong decisions, they never find the right price as expected, and this is why they never get positive and effective results using their short-term strategy. That is why it is important to invest with mental stability here, when we invest with a stable strategy, short-term fluctuations in the market will not have a negative impact on us, and if we take a long-term view of it, we will get much better results from it, which is usually very difficult to achieve from other short strategies. The most stress-free, most promising, most acceptable, most popular and most correct strategy to completely avoid volatility is DCA, those who understand the real importance in the first place and start with it, have started with the most correct strategy in the first place, and their startup strategy will not face failure, if they can stick with it for the long term.

[mamesso]

Investors can combine all three strategies as long as they have sufficient discretionary income. If its convenient I would recommend the combine use of the DCA, lump sum and Buy dip strategies. This way they wouldn't rely on a single strategy instead they would have more than one strategy to accumulate bitcoin.

I don't think combining all bitcoin accumulating strategy is needed if you want to be efficient and decisive in your accumulation journey.

What I think is the best is using the dca accumulating strategy to buy and accumulate Bitcoin consistently either weekly or monthly, and if in the process of accumulating and their is a serious dip in the market, you can still accumulate and buy Bitcoin aggressively during that period if you have a reserve funds stationed to carry it out, so I think that both methods are enough for any bitcoin investor to accumulate and get to his over accumulation status faster than trying to use all strategies that might get you confused.

There's no need to combine all strategies if you want to be more efficient and decisive in Bitcoin accumulation, as this approach can cause investors to lose focus and become inefficient in executing their investment plans. DCA is a simple and effective strategy for consistently accumulating Bitcoin because it fits the risk tolerance and financial goals of most investors. The key to successful investment is to stay focused on the strategy you have mastered and adhere to all its rules, rather than simply trying out every strategy you don't fully understand.

DCA allows investors to focus more on long-term investment goals and not panic or be affected by fluctuations in the market. If you have a large amount of spare funds ready to be invested entirely in Bitcoin, it will be the best choice to increase Bitcoin accumulation by buying aggressively when the market is down.

[Muba20]

Of course the DCA in particular is very suitable for those with regular income since it requires investors to be consistent amd if one doesn't have a constant source to maintain their discretionary funds, how do you expect such person to investment consistently? Or would you rather want them to invest with their emergency funds? Yes everyone can use the DCA but even though everyone can't be on same level financially but there's no harm for shrimps to start small and be consistent with it. How doesn't the discretionary fund regenerate it'self if not from a stable income.

Agree with you, if there is a regular income, it is easier to remain consistent in investment because there is a guaranteed possibility of income. If some one's income is not regular , then that person's expenses are also irregular because sometimes his income is high, sometimes low, and sometimes not. For such type of individual, before investing, it is important to make sure that the investment is being made after meeting basic expenses or emergency expenses. It is important for people with such income to have a large reserve fund.

Investment should not create financial shortage or stress in meeting basic needs. A emergency fund can be created where four to six weeks of DCA money will be deposited, but if the fund falls below a certain limit, it will be understood that the risk is increasing. And if 75% or more of the emergency fund has to be used, then it is better to stop investing. If you think about it from this point of view, having a regular and stable income makes it easier to plan financially in every case and helps to maintain consistency.

[Lembo69]

The biggest strength of the DCA strategy is to buy Bitcoin with a consistent mindset instead of thinking unnecessarily. It is almost impossible to try to predict when the market will go down, and while trying to do so, most people make the wrong decisions, they never find

Yes, you are right, the biggest strength of the DCA strategy is that it keeps the investor away from unnecessary thoughts An investor's mental state changes with the fluctuations in the market price. As a result, many times he cannot stay focused on the investment. This is where the DCA strategy becomes effective for the investor.

Through the DCA strategy, an investor can easily continue to invest regularly and is able to invest slowly long-term. There is no alternative to long-term investment to make the investment sustainable.

However, the biggest challenge is to stick to the investment for the long term. Not everyone can invest in Bitcoin for the long term. Some sell their investment as soon as they get a little profit. On the other hand, some are forced to sell the invested Bitcoin when they need money for some necessary work. So the real challenge is to survive in the investment.

From this perspective, the easiest and most effective way to collect Bitcoin gradually is the DCA strategy. Therefore, every investor should invest through the long-term DCA strategy.

[Chainspector]

Let's say that a person gets irregular amounts of pay and the pay comes at irregular times, so if that person also has irregular expenses, then his situation is even more complicated, and so yeah, he may have to be sure that the money that he has is really available to invest into bitcoin before he can invest it.  If he is not sure, then he cannot invest such money until he is sure.  So yeah, I already responded to the angle that a person who has irregular income and irregular expenses may need to maintain higher quantities of back up funds in order to account for such irregularities.

Furthermore if that person also wanted to make sure that he was investing into bitcoin every single week, then maybe he would have to have an extra side funds that is already available for such purposes...and so maybe the side fund is set up with 6-ish weeks of DCA in advance.. and maybe he has another fund that covers rent and food that is set aside.. .. and so he keeps those funds with sufficient amounts, and if they get below certain amounts, then he starts to get worried and maybe he has back up funds for that.. and if he ends up having to tap into one of his funds, he knows he is in BIG trouble.. and probably he would stop buying bitcoin before he would tap into his emergency funds and perhaps he would end up depleting 70% or more of his emergency funds before he would start to consider tapping into his bitcoin... so for sure, he does not want matters to go so far as his needing to tap into his BTC, so there are levels (and priorities regarding which funds get spent first, or which spending gets frozen first), and so he can see the  level of emergency based on how depleted his various back up funds (and reserve funds) get.  

There surely are advantages to receiving pay on a regular and stable basis for guys who have that going for them, yet we know that there also have to be enough funds and perhaps enough back up funds, otherwise investing into bitcoin might get cut off or stalled until such funds are available or not overly depleted.  I would think that the longer guys are in bitcoin, then the better they get at managing and monitoring  their funds so that they don't get themselves into emergency situations.

Yes..this is indeed a very thoughtful framework that'll help in managing irregular income and expenses..(while still working on your Bitcoin position).. first,the layered fund structure is absolutely brilliant..it gives a clear warning when your emergency funds drops to a certain percentage.. thereby giving you this self awareness to stop before you start taking money from the cash kept for your upkeep and rent... however,there are some tensions you need to put into consideration...first, the "6 weeks pre-funded DCA" looks like an interesting paradox...lets say maybe someone doesn't have a regular source of income and this same person seriously needs a huge emergency reserve.....would it be advisable to lock up to maybe 6 weeks of DCA cash in advance.??.... meanwhile, that capital would've definitely served better as an additional emergency fund...(Since the emergency funds are handling majority of the difficult stuffs)..

A person with irregular income should be able to recognize that there are irregularities in their cashflow and try to put that into consideration when thinking of investing into Bitcoin. Someone like that will have to be prepared for these irregularities when it comes to their budgeting and would likely have to make extra effort to prepare for times (inconveniences attached to irregular income) when they might be required to tap into their back up funds so as to never get stranded when these irregular situations appear.

And also I think the "never touch Bitcoin" ... might be too extreme..??🙄......what if Bitcoin value doubled and at same time you probably lost your Job for almost a year...don't you think maybe selling off like 5% of your Bitcoin would be a smart move..??...than letting all your cash go down the drain...and I really don't think it's a "must" to buy Bitcoin on a weekly basis...you can just buy when you have some extra money available...(Slower is recommended as long as you sleep better) Lol....

As a Bitcoin Investor who has decided to take the bold step and agreeing to invest for the long term you should be well informed that touching your Bitcoin during the period of your investment should not be an option. If you are not committed to your long term goals (holding bitcoin for 4 - 10 years or longer) then you will obviously be open to cashing out too soon which will equally mean that you might just be a trader who wants quicks profits not a proper investor. But again it is possible to find yourself in situations where you might have little to no choice than tapping into your Bitcoin which will only happen when you have obviously encroached so deep in your emergency funds and reserve funds. Cases like these are why it is required that you “cut your coat according to your size”. Create your budget plan in the way that will cover your needs and investments. Cut down on your expenses or increase your income or device other means that will secure you when times like this come.

With all these said..it leaves me with a question...are you really building wealth..??...or are you just trying to "never miss a week" of buying Bitcoin☺️....most times the second goal always fights against the first...

Buying bitcoin on weekly basis is not really compulsory. It can be advisory but with the DCA you can buy bitcoin with whatever timeframe that you are comfortable with (whether weekly or monthly or some other timeline) and that supports your income flow. Whether you are a regular income earn or an irregular income earner, the DCA makes buying of bitcoin accessible to all. You have to figure out for yourself considering when your income comes in, how is your cashflow and then you are good to invest and start your bitcoin accumulation.

[Derekfunds]

Well, it is not a bad idea to combine the 3 strategies but have you thought about the convenience? Most times we do things thinking that we can handle it but at the long run we discover it actually comes with a lot of financial stress. Lump sum investment is good but this has to come when you're very sure about your next income and if you miss having the income as at when due, you may go bankrupt. Buying the dip too is good but an investor must not get carried away while waiting for dips too.

DCA strategy is a more complete strategy of which an investor who invests by DCA has the ability to invest aggressively too (lump sum/buying the dip). This is possible especially when you have an additional discretionary income and you also have enough emergency funds and back up funds to cushion your bitcoin stash. Even though there's no additional discretionary income, your reserved funds could be used for buying dips but never use your emergency funds for investment to avoid loosing your bitcoin untimely. Don't get too greedy wanting to lump-sum frequently, you may end up destroying your portfolio.

You can't lump sum often and anyone that lump sum often is not lump suming but DCAing. Using all three strategies doesn't mean that you most have beyond your normal size of emergency funds which is at least 3-6 months because you don't need your emergency funds to lump sum or buy at the dip.

If you have an unexpected cash that you don't have anything to do with it, you can lump sum immediately, irrespective of the price of bitcoin. I got paid last December double salary. I took out half of the money and lunp sum immediately, whereby I still have my reserve funds available to buy at my own dip price if bitcoin dips to that price provided that my weekly DCA is ongoing. It's good that you lump sum whenever, the opportunity comes because it boost up your bitcoin portfolio size faster.

There are instances in which some people fail s to differentiate the three strategies from one another. Yes you are right, who ever that is claiming to be doing lump sum buying at regular intervals is actually taking DCA strategy to be lump sum  buying and this is a mistake on there part . Maybe simply because they are using large amounts of money to do DCA and they decided to call it lump sum buying this a big mistake since lump sum buying involved buying bitcoin using large amounts of money and not on regular intervals.

I agree with you to some extent, buying with large amount of money on regular basis is not actually lump summing but rather the person is DCAing because DCAing is purchasing Bitcoin on a steady which can be every week, month or depending but where I disagree with you is where you said buying this way is a big mistake, how do you mean is a big mistake to buy in that manner? See anyone who has the capacity to be using big or large amount to be DCAing there's nothing wrong and it is not stated anywhere that your DCA money must be a little amount. The amount we use in DCAing depends on our capacity if I have that capacity to be accumulating with such amount I will do it as far as it is something I can afford to lose and it is from my discretionary.

[red4slash]

Investors can combine all three strategies as long as they have sufficient discretionary income. If its convenient I would recommend the combine use of the DCA, lump sum and Buy dip strategies. This way they wouldn't rely on a single strategy instead they would have more than one strategy to accumulate bitcoin. it would also ensure investors don't miss out market opportunity. It is not mandatory to to combine all three strategies but if they have the financial capability they should go ahead.

This will be a plus minus for me because although from a positive point of view it will be great when we can combine this (with buy dip and DCA) directly because this can make us become faster in collecting and accumulating for the portopolio that we have and of course this can also make risk minimization also fulfilled but on the one hand the minus side of doing this is about financial allocation which must be maintained properly.

At least if we do this, it is certain that discretionary funds will be divided more to make purchases because we also have to make special notes for DCA purchases with consistency and DIP that must be prepared. In addition, discretionary funds must also be able to be separated for its allocation for emergency funds and reserve funds so that it is possible when previously our focus per month only divided discretionary funds into three elements (emergency funds, reserves and investments with DCA purchases) then when there is a DIP that must be prepared, maybe the funds we have must be divided again and minimized because of course we also don't know when it will be done.

This will be a plus minus but indeed if we have good planning and allocation then it can be done.

[Umulala-alala]

Well, it is not a bad idea to combine the 3 strategies but have you thought about the convenience? Most times we do things thinking that we can handle it but at the long run we discover it actually comes with a lot of financial stress. Lump sum investment is good but this has to come when you're very sure about your next income and if you miss having the income as at when due, you may go bankrupt. Buying the dip too is good but an investor must not get carried away while waiting for dips too.

DCA strategy is a more complete strategy of which an investor who invests by DCA has the ability to invest aggressively too (lump sum/buying the dip). This is possible especially when you have an additional discretionary income and you also have enough emergency funds and back up funds to cushion your bitcoin stash. Even though there's no additional discretionary income, your reserved funds could be used for buying dips but never use your emergency funds for investment to avoid loosing your bitcoin untimely. Don't get too greedy wanting to lump-sum frequently, you may end up destroying your portfolio.

You can't lump sum often and anyone that lump sum often is not lump suming but DCAing. Using all three strategies doesn't mean that you most have beyond your normal size of emergency funds which is at least 3-6 months because you don't need your emergency funds to lump sum or buy at the dip.

If you have an unexpected cash that you don't have anything to do with it, you can lump sum immediately, irrespective of the price of bitcoin. I got paid last December double salary. I took out half of the money and lunp sum immediately, whereby I still have my reserve funds available to buy at my own dip price if bitcoin dips to that price provided that my weekly DCA is ongoing. It's good that you lump sum whenever, the opportunity comes because it boost up your bitcoin portfolio size faster.

There are instances in which some people fail s to differentiate the three strategies from one another. Yes you are right, who ever that is claiming to be doing lump sum buying at regular intervals is actually taking DCA strategy to be lump sum  buying and this is a mistake on there part . Maybe simply because they are using large amounts of money to do DCA and they decided to call it lump sum buying this a big mistake since lump sum buying involved buying bitcoin using large amounts of money and not on regular intervals.

When we buy bitcoin consistently it is dca what some people don't understand is that they never know that our discretionary income can never be thesame, there are investors who uses $100 as their regular dca method while there are also some that uses $20 as their dca amount this is all depending on how your discretionary income is, an investor who dca with $20 can have can definitely win $200 from bet and can decide to lump sum with $100 this is what he never expected to do but the money just came when he never expect so people should know when an investor is using the dca and when they also lump sum.

[Skydrill]

DCA strategy may be more suitable for people with regular income. And those with irregular income should have a more flexible strategy. DCA is a good method for those who mainly invest regularly or have a long-term investment goal. It provides the convenience of investing in small amounts to continue investing regularly. Also, it does not require regular market monitoring. Therefore, it is best to consider long-term investments based on your financial situation and capabilities.

DCA does not require regular income.  With DCA you can use it whenever income comes available, whether that is weekly, monthly or some other timeline.  With DCA the amounts do not need to be consistent either, even though some folks will specifically choose to try to stay consistent in the amounts.  That is optional. 

They optionally might also choose to invest a percentage of their discretionary income rather than a specific amount.  DCA give options to customize to a person's income and preferences, and without needing to account for BTC price fluctuations (as you mentioned Cgrexp)

@JayJuanGee ... Sir I understand and agree with your words. I think there was a small mistake in my previous comment. I do not deny that people with irregular income cannot do DCA. In fact, I think that a person with irregular income naturally has to be flexible in terms of time and amount in DCA. Actually, by flexibility, I mean that people with such income cannot tie themselves to the same time or the same amount and have to invest according to the reality of the income. From this point of view, I found regular income  convenient in terms of consistent, mental and behavioral structure.However, I did not want to impose any mandatory condition that the income must be regular. . I accept that DCA is a flexible strategy and can be used according to the type of income and financial reality and the time and amount do not need to be completely consistent.

Let's say that a person gets irregular amounts of pay and the pay comes at irregular times, so if that person also has irregular expenses, then his situation is even more complicated, and so yeah, he may have to be sure that the money that he has is really available to invest into bitcoin before he can invest it.  If he is not sure, then he cannot invest such money until he is sure.  So yeah, I already responded to the angle that a person who has irregular income and irregular expenses may need to maintain higher quantities of back up funds in order to account for such irregularities.

Furthermore if that person also wanted to make sure that he was investing into bitcoin every single week, then maybe he would have to have an extra side funds that is already available for such purposes...and so maybe the side fund is set up with 6-ish weeks of DCA in advance.. and maybe he has another fund that covers rent and food that is set aside.. .. and so he keeps those funds with sufficient amounts, and if they get below certain amounts, then he starts to get worried and maybe he has back up funds for that.. and if he ends up having to tap into one of his funds, he knows he is in BIG trouble.. and probably he would stop buying bitcoin before he would tap into his emergency funds and perhaps he would end up depleting 70% or more of his emergency funds before he would start to consider tapping into his bitcoin... so for sure, he does not want matters to go so far as his needing to tap into his BTC, so there are levels (and priorities regarding which funds get spent first, or which spending gets frozen first), and so he can see the  level of emergency based on how depleted his various back up funds (and reserve funds) get. 

There surely are advantages to receiving pay on a regular and stable basis for guys who have that going for them, yet we know that there also have to be enough funds and perhaps enough back up funds, otherwise investing into bitcoin might get cut off or stalled until such funds are available or not overly depleted.  I would think that the longer guys are in bitcoin, then the better they get at managing and monitoring  their funds so that they don't get themselves into emergency situations.

Preferably I think what makes the DCA a better option is it's flexible nature just as already explained here by Jay, at least it become more convenient even if your income isn't coming in as often as you expect you can still retain your investment and with a long term plan so as to take off the burden of thinking something may go wrong if you aren't consistent, but since it's a long term investment one can easily flow along and keep stretching whenever any income is available.

[ejikeme24]

I agree with you to some extent, buying with large amount of money on regular basis is not actually lump summing but rather the person is DCAing because DCAing is purchasing Bitcoin on a steady which can be every week, month or depending but where I disagree with you is where you said buying this way is a big mistake, how do you mean is a big mistake to buy in that manner? See anyone who has the capacity to be using big or large amount to be DCAing there's nothing wrong and it is not stated anywhere that your DCA money must be a little amount. The amount we use in DCAing depends on our capacity if I have that capacity to be accumulating with such amount I will do it as far as it is something I can afford to lose and it is from my discretionary.

I totally understand where you're coming from,  and you're right there's nothing wrong with using a larger amount for (DCA) if you have the means and it fits your risk tolerance. However buying with a larger amount while doing the DCA is not actually bad so long as there's no fixed amount that is set aside for all DCA guys, as a matter of fact we all have different source of income which most guys might have multiple source of income and this can make them to be more aggressive than a guy that only have one source of income so it almost impossible for everyone to accumulate with a certain amount.

[Solokan]

Of course the DCA in particular is very suitable for those with regular income since it requires investors to be consistent amd if one doesn't have a constant source to maintain their discretionary funds, how do you expect such person to investment consistently? Or would you rather want them to invest with their emergency funds? Yes everyone can use the DCA but even though everyone can't be on same level financially but there's no harm for shrimps to start small and be consistent with it. How doesn't the discretionary fund regenerate it'self if not from a stable income.

It is true that the DCA strategy is very suitable for those who have a steady income, but for those who do not have a steady income, it will certainly be a little difficult. However, in my opinion, those who do not have a steady income should not be sad because, in my opinion, investing in BTC or buying BTC can be done at any time because the most important thing is that we use money that we are prepared to lose to buy BTC or from discretionary income. So, don't let investing in BTC disrupt your daily needs. The point is, we can buy BTC whenever possible as long as we use discretionary income or money that we are prepared to lose. Because, in my opinion, the most important thing is that we must be able to hold onto BTC for the long term. There are also many people who have stable income and invest in BTC but are not strong enough to hold onto BTC for the long term, which ultimately causes them to fail in becoming someone who invests in BTC for the long term.

[JayJuanGee]

Going on a long-term helps in automatically handling the probable emotions, fear and panics, so that means wrong decision that will lead losing funds is already taken care of because long-term investment is patience oriented.

Yes, I agree with your assumption about this. But in my personal opinion, long-term investing does not automatically make someone great at controlling their emotions and panic. Because what I have experienced so far is that emotions still need to be trained, and it is experience that trains them. So, in essence, a strong mentality is not formed automatically, but through a struggle full of obstacles. Because there are also many people who invest long-term in Bitcoin but fail to control their emotions. So this truly illustrates for us that long-term investing does not automatically shape our mentality, but rather through the many lessons and insights we gain during our Bitcoin accumulation journey. But it is true that choosing to invest long-term in Bitcoin is indeed the right choice, so keep going and stay motivated.

I largely agree with your point as it relates to the challenges that any of us likely have in regards to controlling our emotions, and there surely are likely some folks who are better at controlling their emotions as compared with others.

Yet, at the same time, I would argue that bitcoin can still help to train us to get better at either controlling our emotions and/or recognizing certain limitations that we might have. 

Even though some guys are likely trainable to put good systems in place, and having those good systems in place, they learn that the systems help to make them less emotional.  At the same time, there are likely guys who struggle to change their habits and they might have learned a certain way and they have troubles to unlearn some ways that they do things or the way they react in certain stressful scenarios. 

It might be difficult to know whether we might have some difficulties learning better habits, yet investing in bitcoin on an ongoing basis will provide opportunities to put systems in place that might help us to better recognize some limitations that we might have in our abilities to control our emotions under certain situations.

By the way, your point about starting to invest early is a good thing, even though it still might take a decently long time to build up investments for young people, as compared with older people might already have investments... Yet, on the other hand, young people are likely to be advantaged by having bitcoin as a place that they would be able to put money (invest into) as compared with older people might have some disadvantages in hearing about bitcoin late, yet better late than never, so each of us has to start from where we are at.. whether we are old, young or rich or poor.. we start with where we are at and figure out how we are going to approach bitcoin from the place we are at when we first figure out that bitcoin is an option for us.

Thank you for understanding the core point of my post. Everyone is free to invest in Bitcoin whether he is teenager, a young person in his 20s or 30s or elder ones. Those who are have just started their jobs and won't get any pension from government upon retirement, for such people Bitcoin is heaven because they can keep investing in Bitcoin for 10 or more years and they might plan to retire early because of Bitcoin. Older people can also invest in people and Bitcoin will work for them when they might want to relax and don't want to do work anymore.

I can recall more than 40 years of people complaining that retirement systems would no longer be paying benefits, and those people were wrong, and some of them failed/refused to prepare adequately and sufficiently for their own retirement because they presumed such system would not be in place.  Some of them caused themselves to not have any benefits because they did not contribute into such systems, so then they were not eligible to receive any benefits once the benefits were being paid.  So some retirement systems might still be in place, even 30-40 years or more into the future.

Otherwise, I agree with your point about not having all of your eggs in one basket, so bitcoin can serve as a supplement and/or a replacement for some of those retirement systems that will either completely rug pull beneficiaries or otherwise greatly undermine the quantity and/or quality of benefits that end up getting paid out by the time the contributor reaches retirement age.

Even the better of retirement and/or pension systems tend to have some sort of a fixed benefit that may well not keep up with inflation (or the debasement of the dollar (or other fiat's debasement)).

So even if a person is putting a small amount into bitcoin, it could add up to be a lot in the future, especially if the person starts out contributing to it when young (as you suggested).

[edited out]

Yes..this is indeed a very thoughtful framework that'll help in managing irregular income and expenses..(while still working on your Bitcoin position).. first,the layered fund structure is absolutely brilliant..it gives a clear warning when your emergency funds drops to a certain percentage.. thereby giving you this self awareness to stop before you start taking money from the cash kept for your upkeep and rent... however,there are some tensions you need to put into consideration...first, the "6 weeks pre-funded DCA" looks like an interesting paradox...lets say maybe someone doesn't have a regular source of income and this same person seriously needs a huge emergency reserve.....would it be advisable to lock up to maybe 6 weeks of DCA cash in advance.??....

Each person has to figure out how much of a cash cushion he needs in order to feel assured that he is investing from discretionary funds and not from money that he needs, so even if he is looking at specific money that he has in hand, the more uncertain his income and expenses in the future, then the more uncertain that he should be about whether he has discretionary funds. 

Maybe he knows that no matter what (as long as he does not get run over by a truck) in March he has work for employer 1, 2 or 3, and so he has some ideas of best case and worse case scenarios in terms of the income - even if the work is not confirmed until mid to late February, so he should be able to deploy his available funds within that framework and maybe he even has one of his funds that would come into play in the event that he was not able to get the work, whether it is the getting hit by a truck or some other reason.

He could have also locked up $100 per week for buying bitcoin for the next 12 weeks, yet if he is feeling less confident about his income that will kick in in March, then maybe he will purposefully decide to just invest $50 per week and just keep the other $50  as "just in case" funds.

Of course, the more money that guys have saved up then they have more options.. and also the more experience they have with their current set up, then that likely gives them options too.  I remember one time that I had some cashflow problems, and I got my landlord to not collect rent from me for two months, and so by the time, she was complaining about the back rent (around 6 months later when another issue had come up), I had already recovered from my earlier cashflow issues... So sometimes there is value to have had already established a good reputation, and so extra cash sometimes might end up coming from places that were not expected.

meanwhile, that capital would've definitely served better as an additional emergency fund...(Since the emergency funds are handling majority of the difficult stuffs)..

I like to conisder the Emergency funds as the last of funds - prior to having to tap into bitcoin, and so when all other funds have been depleted, then the situation is already getting quite desperate..  in terms of needs to either cut more and more expenses or figure out if there might be some income that could come available.. and so maybe once the emergency funds are being used, they are merely getting used to pay rent or utilities or food or some other basic expenses.

And also I think the "never touch Bitcoin" ... might be too extreme..??🙄......what if Bitcoin value doubled and at same time you probably lost your Job for almost a year...don't you think maybe selling off like 5% of your Bitcoin would be a smart move..??

Those are judgements that you have to make that you would prefer to keep yourself in positions so that you don't have to make those decisions, and so yeah, if you have absolutely no money left between your emergency fund and your bitcoin, you might also look at how much each is worth and how much is your expense.. and so yeah, you decide.. it is all up to you how to do it.

Let me use another example..  You had been investing in bitcoin for about 1 year, since late 2024 (let's say since September) and building up your various back up funds and investing in bitcoin at the same time.  You had been telling your daughter that in February 2026 she was getting a bicycle for her birthday, and so you had been building up your funds all of 2025 to be able to have the bicycle money that was separate, and so let's say that you lost your job in September, and you have been pretty much scraping since September and your funds are getting more and more depleted.. you did not sell any of your bitcoin, so far, you cannot choose the price of bitcoin at the time that you need the money... .. so yeah, maybe you could get lucky and right when you are depleting all of your funds, bitcoin is continuing to go up in value, and so if you had started investing in bitcoin in July 2024 and your emergency comes in July 2025.  There could be situations where you might consider tapping into your bitcoin even though it is not a good idea to do so.. but you can do whatever you like, even if it might not be a good idea.. ... yet part of the point of establishing various back up funds is to give you options that you would not otherwise have.. yet if you have not built up your funds, you may end up still not having many options or even if you built up funds, you still might not like the options that you have.. but you are likely in a better position to have options as compared with not having options.

...than letting all your cash go down the drain...and I really don't think it's a "must" to buy Bitcoin on a weekly basis...you can just buy when you have some extra money available...(Slower is recommended as long as you sleep better) Lol....

I like weekly buys, since it helps to reinforce seriousness and priorities going to bitcoin, yet of course, you can do what you like in terms of your seriousness, priorities and/or your chosen level of aggressiveness (or not).

With all these said..it leaves me with a question...are you really building wealth..??...or are you just trying to "never miss a week" of buying Bitcoin☺️....most times the second goal always fights against the first...

The positive results of good, persistent, consistent, ongoing and regular habits might not be felt in the short term.  I like to suggest guys to invest into bitcoin as aggressively as they can without overdoing it, and guys have to figure out their own interpretation, and they also do not need to agree - especially since level of aggressiveness (or whimpiness) is totally within the discretion of each of us to choose our level.

[MainIbem]

The positive results of good, persistent, consistent, ongoing and regular habits might not be felt in the short term.  I like to suggest guys to invest into bitcoin as aggressively as they can without overdoing it, and guys have to figure out their own interpretation, and they also do not need to agree - especially since level of aggressiveness (or whimpiness) is totally within the discretion of each of us to choose our level.

Consistency is the key, for those who wants to be aggressive with their accumulation and only those that can make it a regular habit to accumulate aggressively and also prioritise long term holding would get positive results, as for the discretion, I keep telling folks that everyone can't be on the same level financially so our discretion can never be same therefore every investor should and can be aggressive according to what they can generate for discretion, it's not how much you put into Bitcoin that matters, it's about how determined and consistent an investor can be to achieve their goal. I can recall that you've talked about starting small and gradually increase on the long run when more discretionary is generated.

[Obulis]

DCA strategy may be more suitable for people with regular income.

Don't scare away people from bitcoin for no good reason. DCA is not only exclusive to people with regular income, it is suitable for everybody, that is just damn right

 It works even  better if you make use of discretionary income to do it. It good to have a regular finance, but even those with a irregular income can still start to DCA by making the plans to buy around that time the money comes in and be consistent about it.

Ofcourse the DCA in particular is very suitable for those with regular income since it requires investors to be consistent amd if one doesn't have a constant source to maintain their discretionary funds, how do you expect such person to investment consistently? Or would you rather want them to invest with their emergency funds? Yes everyone can use the DCA but even though everyone can't be on same level financially but there's no harm for shrimps to start small and be consistent with it. How doesn't the discretionary fund regenerate it'self if not from a stable income.

A good look at DCA will say something very important "move on with Bitcoin investment as much as you can (little by little at your own phase)". The consistency in using DCA is not actually fixed. Maybe, that it must be weekly or monthly, so it is with the amount to be invested not fixed also. These is why someone with unstable income can carry on with DCA by buying as long as there's discretionary funds available anytime no matter how small.

[Barikui1]

Preferably I think what makes the DCA a better option is it's flexible nature just as already explained here by Jay, at least it become more convenient even if your income isn't coming in as often as you expect you can still retain your investment and with a long term plan so as to take off the burden of thinking something may go wrong if you aren't consistent, but since it's a long term investment one can easily flow along and keep stretching whenever any income is available.

I largely agree with you on most of what you are saying here that the dca accumulating strategy is best suited for everyone regardless of their level of income, and if it's consistent or not, but what i mostly disagree on is the highlighted statement in you write up.
 Point of correct, you don't invest or flow along as you called it with any income that comes into your hand because Bitcoin investment is best suited to carry out with your discretionary income, money left after all basic needs have been met, not any income that comes into your hand as you are implying, because if you act in such a manner, it will only be a matter of time before you sell or temper with your holdings just to retrieve back the money used to invest, that shouldn't have been used in the first place, so you invest only when your discretionary income is available not when any income comes into your hand as you are saying.

[AuchanX]

DCA strategy may be more suitable for people with regular income.

Don't scare away people from bitcoin for no good reason. DCA is not only exclusive to people with regular income, it is suitable for everybody, that is just damn right

 It works even  better if you make use of discretionary income to do it. It good to have a regular finance, but even those with a irregular income can still start to DCA by making the plans to buy around that time the money comes in and be consistent about it.

Ofcourse the DCA in particular is very suitable for those with regular income since it requires investors to be consistent amd if one doesn't have a constant source to maintain their discretionary funds, how do you expect such person to investment consistently? Or would you rather want them to invest with their emergency funds? Yes everyone can use the DCA but even though everyone can't be on same level financially but there's no harm for shrimps to start small and be consistent with it. How doesn't the discretionary fund regenerate it'self if not from a stable income.

A good look at DCA will say something very important "move on with Bitcoin investment as much as you can (little by little at your own phase)". The consistency in using DCA is not actually fixed. Maybe, that it must be weekly or monthly, so it is with the amount to be invested not fixed also. These is why someone with unstable income can carry on with DCA by buying as long as there's discretionary funds available anytime no matter how small.

Yes, this is the real freedom, where the rich and the poor can accumulate for their future independently. And at some point, they can achieve over accumulation. Which gives them peace of mind...And the truth is that even people with irregular income can follow DCA. Most of the common people do not have a fixed income, but still, whenever they get some discretionary funds, they can build their position in the market by buying small amounts. In this way, an investor with irregular income will be able to gradually achieve the ultimate Goal..However, one thing to be careful about is that DCA should not be completely random in its own right. While investing, the long-term goal should be clear and the focus should be on Accumulation....

[Gallar]

The positive results of good, persistent, consistent, ongoing and regular habits might not be felt in the short term.  I like to suggest guys to invest into bitcoin as aggressively as they can without overdoing it, and guys have to figure out their own interpretation, and they also do not need to agree - especially since level of aggressiveness (or whimpiness) is totally within the discretion of each of us to choose our level.

Consistency is the key, for those who wants to be aggressive with their accumulation and only those that can make it a regular habit to accumulate aggressively and also prioritise long term holding would get positive results, as for the discretion, I keep telling folks that everyone can't be on the same level financially so our discretion can never be same therefore every investor should and can be aggressive according to what they can generate for discretion, it's not how much you put into Bitcoin that matters, it's about how determined and consistent an investor can be to achieve their goal. I can recall that you've talked about starting small and gradually increase on the long run when more discretionary is generated.

Yes, when we buy Bitcoin for the short term, we certainly won't be able to see the consistency, struggle, and persistence, because the time is essentially short. Therefore, I also agree that long-term investment in Bitcoin can help us reveal and develop our true selves. Because by investing long-term, we will see how patient we are, how strong we are, and what kind of person we are. So, besides the very attractive returns from long-term investment, long-term investment can also shape us into someone who appreciates the process. Because in this life, appreciating the process is truly something we all need to have. And speaking of our aggressiveness in investing in Bitcoin, this is something we determine based on our own financial circumstances. So, yes, I think we all probably understand this. Because I'm sure everyone understands their own financial circumstances.

[alankasman]

It is true that the DCA strategy is very suitable for those who have a steady income, but for those who do not have a steady income, it will certainly be a little difficult. However, in my opinion, those who do not have a steady income should not be sad because, in my opinion, investing in BTC or buying BTC can be done at any time because the most important thing is that we use money that we are prepared to lose to buy BTC or from discretionary income. So, don't let investing in BTC disrupt your daily needs. The point is, we can buy BTC whenever possible as long as we use discretionary income or money that we are prepared to lose. Because, in my opinion, the most important thing is that we must be able to hold onto BTC for the long term. There are also many people who have stable income and invest in BTC but are not strong enough to hold onto BTC for the long term, which ultimately causes them to fail in becoming someone who invests in BTC for the long term.

What's clear is that it shouldn't become a burden when we don't have a steady income. What we need to understand is that as you said earlier it's quite true. Buying Bitcoin doesn't have to be today or this month. It's when we have an income that exceeds our daily living expenses that we immediately buy Bitcoin because we know that what we're doing is an investment an effort to obtain substantial profits in the future. We're doing it long-term so that in the future we will be the ones to benefit from our Bitcoin investment.

People who have sufficient capital are not necessarily ready for a long-term method because they already have enough so their patience is not controlled even though they know the results of investing in the long term but they are already used to the money they always get with a fixed income at their place of work in fact what they receive daily or monthly already feels sufficient and feels like they no longer need to invest by buying Bitcoin and things like this according to my understanding are a form of unhealthy thinking that they think about the future and people like that do not need us to teach about investing in investing not only by buying Bitcoin but by saving Gold is also possible but with unhealthy thinking like that for us there is no need to explain except for people who have an investment soul that I definitely recommend investing by buying Bitcoin at any price.

[7juju]

but since it's a long term investment one can easily flow along and keep stretching whenever any income is available.

I largely agree with you on most of what you are saying here that the dca accumulating strategy is best suited for everyone regardless of their level of income, and if it's consistent or not, but what i mostly disagree on is the highlighted statement in you write up.
 Point of correct, you don't invest or flow along as you called it with any income that comes into your hand because Bitcoin investment is best suited to carry out with your discretionary income, money left after all basic needs have been met, not any income that comes into your hand as you are implying, because if you act in such a manner, it will only be a matter of time before you sell or temper with your holdings just to retrieve back the money used to invest, that shouldn't have been used in the first place, so you invest only when your discretionary income is available not when any income comes into your hand as you are saying.

Come on from the way he spoke you should know he has got the experience on how to invest with the money that's coming his way. It is not every time that an experience investors will be spilling the word discretionary income out of their mouth, or be putting it in all of their posts they are making in this thread. Before you will have discretionary income left, at least money will have to flow into your hand, and it is from there that you will make all deductions of your basic needs before you will be left with discretionary.  When income don't flow into your hands will you have discretionary funds? I didn't see anywhere @skydrill said he was going to invest with all the money that flow into his hands. So there's no need for any disagreement here in the first place.

[Cossyblack]

Preferably I think what makes the DCA a better option is it's flexible nature just as already explained here by Jay, at least it become more convenient even if your income isn't coming in as often as you expect you can still retain your investment and with a long term plan so as to take off the burden of thinking something may go wrong if you aren't consistent, but since it's a long term investment one can easily flow along and keep stretching whenever any income is available.

Please be more specific about the income for clarity sake as it's kind of confusing which fund you're using to accumulate bitcoin. You can't be using any fund to accumulate bitcoin particularly if it isn't discretionary Income as it would seem you are gambling with your bitcoin investment. Discretionary income should be what you should used to accumulate bitcoin rather than using any available income. Incase you have been investing this way,then you have been gambling. When you have an available income,first and foremost is to make sure your basics needs has been met, once your basics needs are met and if there is an extra cash left then you can use it as discretionary income.