Buy Buy Buy or Sell Sell Sell?

[Iamgoat]

If you want to save Bitcoin for the long term you must have an emergency fund sufficient to meet your daily needs with your family. Any goal is fine especially when it comes to saving BTC for the long term. Having an emergency fund/reserve fund is essential. Otherwise it's highly risky as basic needs may not be met potentially leading to disputes over your desired activities.

Having a reserve fund has many uses, including safeguarding your invested assets so you won't be affected when your financial situation is difficult. This reserve fund is useful but we can still implement strategies to increase our Bitcoin holdings without compromising our fundamental goal of accumulating Bitcoin for the long term regardless of market conditions. This is a good way to maintain assets for our future.

If one must survive in the bitcoin investment world you must be smart enough to take some smart decisions especially when you know you have little or not so much money to play around with, then you need to consider doing two to three things simultaneously. One, you need to build your portfolio gradually through the DCA approach and to do such, you need to have a clear plan for your monthly income and see how you can remove a part of it for your emergency funds and also money you use for your other businesses and spending. Then the third thing is for you to have the discipline to remain consistent with your investment goals else all these beautiful ideas will end up as a dustbin with no use.

[Proty]

Currently as I have learned so far ,I have been informed that in Bitcoin investments that their is no perfect time to buy or to sell ,that if you have money to invest you should invest because the more you are weating for Bitcoin to decrease before you buy that's more time you are wasting,so the perfect time is to invest in to Bitcoin at anytime time ,but do it with your spear money (descretionary income )so that if the investment doesn't go well you can't even regret it,so invest at anytime ,to be at the safer side you can
sell at the top and buy at the bottom.

Wow! lover boy you have tried to make a very valuable point by saying that you are "informed that in Bitcoin that there is no perfect time to buy or to sell". For sure I believe and work with no perfect time to buy Bitcoin and having no perfect time to buy Bitcoin is somehow talking about or related to DCA strategy. But you also saying that there is no perfect time to sell is in a way implying that long-term approach to Bitcoin doesn't really matter since if you buy Bitcoin today (which is a perfect time to buy Bitcoin) tomorrow (as in 25th January 2026) can become the perfect time to sell and this is not long term but trading or gambling.

He is wrong to say that there is no perfect time to sell bitcoin because this simply means we can sell bitcoin at any time regardless of whether we are in profit or not. I do believe that long term investors do have investment timeline as per how long they intend to hold there bitcoin before they will sell.
As for perfect time to buy, the only time I do consider perfect time to buy is when we have discretionary income e buy bitcoin with.

[Silikiem]

Bitcoin investment is most important to plan for the long term, where each investment should be held for a long time to be able to achieve appropriate benefits. Following the DCA method makes it easier to hold Bitcoin for a long time, and investing Bitcoin weekly will enable investors to accumulate more Bitcoin. However, those who invest with ordinary small amounts of money should continue until they accumulate one Bitcoin.

Continuous investment and long-term holding are two completely different things. DCA method is an investment method through which you can buy. However, compared to all the other investment methods, DCA method has many more advantages. For example, the average purchase price decreases, sometimes the average purchase price increases. Thoughtless investment is like buying slowly with a small amount of money, due to which the market does not have such a big impact on us when it falls. When a person invests in DIP method, he becomes very scared when he sees the market fall and is under mental pressure.

To continue investing, it is very necessary for us to have unwavering willpower. When we have unwavering willpower, we will express our desire to invest without any reluctance.

Very correct, but for an investor to have a healthy and more profitable investment in Bitcoin, both are very necessary. Well it's not just a method through which one can buy but buy consistently, you ought to be specific so newbies won't feel they'll just buy with that investment strategy, one very good thing i love about the DCA is that it guarantees risk management, compared to others.

 The dip method mostly lead people to panic selling, especially the newbies, it's a strategy that's mostly used by people who tend to take profits quickly and that's not the concept of what Bitcoin investment is always about which is why I don't really rate the dip method or advise that newbies should channel their attention towards it.

I don’t think if the DCA totally guarantees risk management but rather it helps to only mitigate the risk associated with bitcoin investment especially in terms of market volatility. It only tries to reduce the impact of the risk and also reduces emotional decision making, and not totally guarantees you that it is risk free especially when it comes to market downturns. we all know that bitcoin investment involves risk, So you now saying that the DCA guarantees risk management could be sending a signal that when once you’re buying and investing with the DCA, you have 100% assurance that there will be no risk or rather the risk is totally eliminated especially when it comes to the risk of market downturns which is not in your control because bitcoin is highly volatile. The DCA will help to reduce the impact of such risk on us in such a way that the impact won’t be too heavy on us as we can never totally cancel out a very long and bad bear market.

[Popkon6]

Currently as I have learned so far ,I have been informed that in Bitcoin investments that their is no perfect time to buy or to sell ,that if you have money to invest you should invest because the more you are weating for Bitcoin to decrease before you buy that's more time you are wasting,so the perfect time is to invest in to Bitcoin at anytime time ,but do it with your spear money (descretionary income )so that if the investment doesn't go well you can't even regret it,so invest at anytime ,to be at the safer side you can
sell at the top and buy at the bottom.

Wow! lover boy you have tried to make a very valuable point by saying that you are "informed that in Bitcoin that there is no perfect time to buy or to sell". For sure I believe and work with no perfect time to buy Bitcoin and having no perfect time to buy Bitcoin is somehow talking about or related to DCA strategy. But you also saying that there is no perfect time to sell is in a way implying that long-term approach to Bitcoin doesn't really matter since if you buy Bitcoin today (which is a perfect time to buy Bitcoin) tomorrow (as in 25th January 2026) can become the perfect time to sell and this is not long term but trading or gambling.

He is wrong to say that there is no perfect time to sell bitcoin because this simply means we can sell bitcoin at any time regardless of whether we are in profit or not. I do believe that long term investors do have investment timeline as per how long they intend to hold there bitcoin before they will sell.
As for perfect time to buy, the only time I do consider perfect time to buy is when we have discretionary income e buy bitcoin with.

There is no set rule for buying Bitcoin, as much as one can afford is enough to buy Bitcoin. Those who take the initiative to buy Bitcoin are the wisest people at the present time, because the current situation in the Bitcoin market is the best time to buy Bitcoin. However, a person who has a good amount of discretionary income will definitely be able to buy more Bitcoin and he will be ready to sustain his Bitcoin investment for a long time. However, Bitcoin should be held for a long time by buying Bitcoin, not for selling.

[JayJuanGee]

You're referring to the unpredictability of cryptocurrency markets! It's frustrating when coins drop in value after buying or appreciate after selling. This volatility is normal, especially with Bitcoin, which has seen significant fluctuations.

Currently, Bitcoin's price is around $90,047, and experts predict it may rise to $103,952 by February 2026. Some forecasts even suggest it could reach $150,000 to $200,000 by the end of 2026 .

Whether it's a buy or sell time depends on your investment goals and risk tolerance. If you're looking for long-term growth, now might be a good time to invest. However, if you're looking for short-term gains, it's essential to monitor market trends and set clear entry and exit points.

Keep in mind that cryptocurrency investments carry risks, and it's crucial to do your own research and consider multiple sources before making decisions.

Would you like more information on Bitcoin's price predictions or investment strategies?

What the hell. You don't need all this things man. Do you have a long term plan? Are you currently buying bitcoin? How consistent are you? That should be your concern rather than all this crypto circus, that will only keep you in a single spot.

You can't predict bitcoin, when will you lot ever understand that.

If you cherish protecting your finances, then stay the fuck away from acting like a trader and invest in Bitcoin with the strategy called DCa.

Bitcoin investment is most important to plan for the long term, where each investment should be held for a long time to be able to achieve appropriate benefits. Following the DCA method makes it easier to hold Bitcoin for a long time, and investing Bitcoin weekly will enable investors to accumulate more Bitcoin. However, those who invest with ordinary small amounts of money should continue until they accumulate one Bitcoin.

You sound lost and out of touch.

Even if a guy were to invest $300 per week into bitcoin, he would invest $15,600 after a year, and $156k after 10 years.  Do you really believe that the average price of bitcoin is going to be $156k or less over the next 10 years?  Maybe you should think about the matter in regards to how much you consider it to be possible for people who you consider to have "ordinary small amounts" of money that they can continuously invest in bitcoin...

Perhaps less than $50 per week would be an "ordinary small amount of money" which would get you $2,600 invested in a year and $26k over 10 years, which might get you 0.1 BTC.. Perhaps?

Guys need to attempt to be realistic in regards to how much bitcoin they think that they (and/or newbies into bitcoin) would be able to accumulate, even if they are able to continuously buy bitcoin for the next 10 years or more.

Don't get me wrong.  I am not proclaiming that guys should not invest in bitcoin, yet instead to try to be realistic in regards to how much bitcoin you think that you can accumulate - even if you invest into bitcoin as aggressively as you are able to invest, without overdoing it.

[edited out]

Instead of expecting sudden big profits from Bitcoin it is wiser to stay patient and think long term, DCA reduces stress when the market goes down there is less fear and over time your Bitcoin holdings grow, Even small but consistent investments can eventually add up to a good amount of Bitcoin,The key point is to stay consistent and avoid rushing,
 
However I have also seen many people say that smart DCA is a bit better, The idea is that smart DCA not only helps accumulate Bitcoin like regular DCA but also allows buying more during deep market dips, Still I think this approach is not easy for everyone because not everyone has a large amount of extra money available to invest during those dips,

Smart DCA is retarded.

Guys are trying to proclaim that combining DCA with buying the dip is better and acting as if they (or any newbie) can figure out when a dip may or may not happen, when newbies are likely to be way better off to just stay focused on ongoing buying and not trying to predict the price or to time their buys for dips that might not happen.

Also, fucking around trying to figure out dips puts a bitcoin investor into a wrong mindset which involves a lot of waiting and trying to figure out what if and all kinds of bullshit that is not really knowable whether by a newbie or anyone else.

DCA is one of the three ways of buying bitcoin in the context of investing, and in bitcoin investing should be more than 10 years, unless there might be some age or health issues that might cause a person to have an investment timeline for only 4-10 years...  So if many folks are investing for 4-10 years or longer, then it is likely to stay focused on ongoingly buying until they get enough or more than enough bitcoin, which could well take 4-10 years or longer just to buy enough or more than enough bitcoin.

So trying to act like you are smart about DCA because you are fucking around trying to identify dips that may or may not happen is likely going be a counter-productive practice that interferes with bitcoin accumulation rather than making bitcoin accumulation better and/or to result in more bitcoin accumulated for the same quantity of dollars (fiat).

In the end, guys can choose to do whatever they like in regards to their bitcoin buying, including being so presumptive as to think that it is helpful to be trying to predict the bitcoin price and/or dips that might not happen.

I frequently like to suggest that guys ongoingly, persistently, consistently, regularly and perhaps even aggressively try to buy as much bitcoin as they can, without overdoing it... so there is some value in not overdoing it.. yet the focus is likely better to remain on ongoing buying of bitcoin rather than waiting around and/or strategizing and running the risk of ending up with way less bitcoin than what you could have had if you just stayed focused on the prize, which is the ongoing and regular accumulation of bitcoin.

[edited out]

I agree but if you can hold btc then hold until $1M beacose we all know btc is a moon touching mother coin. We all know that Bitcoin today or tomorrow but but it will go moon. That's the reason if possible hold 1 btc and forgot it that you have hold or invested untill $1M.  I will prefer Buy Buy Buy BTC Hold Hold Hold bTC and spend you weekend in relax.

You have been registered here for two days Akuma_, and you talk a big game.  It almost sounds as if you are already on the moon, rather than being in reality.

Have you already started accumulating bitcoin?  Do you have a plan to get to 1 bitcoin, including how much you need to invest and over what period of time?

If you were able to buy 1 BTC right now, then it would cost you right around $89,200, which if bitcoin were to go to $1 million, then that would be about a 11.2x price appreciation.  Is that level of price appreciation even enough to really matter to someone who would be able to put $89,200 into bitcoin right now.

It seems to me that not too many folks have $89,200 sitting around so that they can just put such an amount into something like bitcoin, so most normies tend to have to invest into bitcoin over time rather than being able to start their investment into bitcoin  (or even to supplement into bitcoin) with a lump sum amount.

Maybe you can outline your plan so that it might start to make better sense with your seemingly fantasy.  Are you selling your 1 BTC at $1 million? or do you have some other plan in terms of how to manage such BTC if you were able to accumulate it?

There are surely folks who are capable of keeping more backup funds, but they don't do it since they presume there ability to get through periods of loss of income and/or increases of expenses including that some guys might think that getting another job is providing such protections, when it is not providing the same level of protections as back up funds... and so guys will even spend more and live more on the edge based on their having more than one source of income - and then they end up getting themselves in trouble and getting put into a position in which they end up tapping into their bitcoin at a time that was not of their choosing, and even their rationalizing that it is O.k to tap into their bitcoin since the bitcoin "is in profits" which largely shows that they had been giving too low of a priority to protecting their bitcoin and making sure that they are ongoingly and persistently building their bitcoin stash rather than tapping into it (even if the bitcoin might be in 20%, 70%, 150%, 500% or some other level of "profits").

The more a person earns, the more his expenses increase,

That does not make sense.  Sure there might be some circumstances in which increased income might result in increased expenses, yet it is not necessarily true that expenses have to go up merely because income goes up.

Some expenses are basic and other expenses are discretionary.  Accordingly, you can both figure these out and adjust for them.... so for example, if you got a new job that paid more, yet you had to commute further or you had to maintain a certain uniform (certain costs associated with the new position), then some of those extra costs might be considered basic and associated with the work.

Let's say you worked at a company that was 10 minutes commute from your home, and you had been receiving $25k per year, and after 6 years working at the company, the boss decided to promote you to supervisor over a division of the company that had 10 employees, yet the location was the same, and the pay was $35k instead of $25k..  So you got a $10k per year promotion.  Maybe other costs associated with the job did not go up, and you can live in the same place.. .so now in this example, your promotion caused you to receive $10k per year more without any extra costs.  What about the promotion in this example do you believe causes expenses to go up?

maybe the money is coming to him from his multiple sources of income temporarily, it does not mean that it is permanent and it is included in his emergency fund. If suddenly due to some problem his multiple sources of income stop coming, then how will he manage his expenses.

I will agree with you that if a person  took a second job, then there might be additional costs related to the second job, and if the first job covered all of the expenses for living, then the second job would provide extra income that he can invest, consume and save, and on many occassions, I already made the point that if a guy is investing then he should be building and/or maintaining back up funds too.

It is our nature that when we earn more money, our standard of living improves, like we like to live in a good house, like we like to drive a good car and to do these things, but we need more money.

You are describing choices - not any expenses that are basic.  Yes, it is true that frequently people will choose to increase their spending when they earn more money, yet those are still optional and they are not necessarily basic needs that are increasing - even though I will grant you that sometimes there might be some additional expenses that end up happening based on increased income... but it is not causal as you seem to be trying to argue that it is with so far weak arguments and weak examples.

So if we do not understand the importance of emergency fund and keep thinking of only temporary pleasure and multiple sources of income as emergency fund, then at that time we will be in danger when our financial condition will be bad.

Our emergency and/or back up funds should attempt to reflect our expenses, so yeah, if our expenses go up then we should also increase our back up funds, and even if our income is low or high, we are still going to likely be better off to create and maintain sufficient back up funds, especially if we are using such back up funds to protect our bitcoin investment.

This is another misconception that I have invested and there is profit in my investment, so I also see this as a way of spending in the future. If we have to spend a part of our profit, then we cannot call it investment, rather we can call it trading and here we are talking about investment. If an investor invests for a period of 7-8 years and sells any amount of the investment after three or four years, I think that too will not be considered an investment.

The point is that maintaining multiple emergency funds and keeping the emergency fund rich is not a matter of frustration, but rather a place of strength, a place of financial support for an individual.

If we are investing over 10 years and even sometimes 15 years or more, we are likely going to have various mistakes along the way, yet at the same time we should still want to be mostly directionally correct by investing in BTC and sufficiently protecting our bitcoin investment, but yeah if we end up being a no coiner and/or a low coiner after 10-12 years of investing, then we might acknowledge mistakes that we might have made, yet we cannot go back in time and "do over" those previous 10-12 years... There can be a really BIG difference 10 years later, and we would likely end up feeling a lot of regrets if we have to start over after investing for 10 years if we end up screwing up in BIG ways rather than small ways in which we can recover.

If one includes selling the investment among the small mistakes, then it will not look good. I know that those who invest for a period of 10 years or more and those who hold the investment till this time have to face many challenges, but after all this, only those who can hold Bitcoin consistently are successful. I think time is of utmost importance in investing, if I fail to hold the investment for the next 10 years from now and if I think that after ten years I will continue the investment again and hold it for another ten years, then it may not be possible for me because in this long period my financial situation may change or my own pressure may increase, so wasting time will never be wise.

If a guy is regularly investing into bitcoin then at various points along the way, he can measure his progress and even determine if he might need to be more aggressive or less aggressive in the quantity of bitcoin being accumulated (or perhaps measured in terms of his chosen weekly investment amount).  So then at some point he might determine that he had moved to his maintenance stage (and he is not accumulating as much any more) or that he has graduated to sustainable withdrawal based on his having enough or more than enough.  There is price based sustainable withdrawal and time based sustainable withdrawal that I discuss in my sustainable withdrawal thread - yet with the employment of each of those methods, I presume that they are employed only after reaching overaccumulation status.

[MagnificentX]

You are not wrong but, in a circumstance where an emergency need swallows your emergency funds, you will be left with no option but to sell part of your bitcoin. It is not wrong to sell your bitcoin either to take profits or to use it to settle a need that have overpowered your emergency fund as far as you have reached the target of your accumulation. It's only when you are still in accumulation stages that it will become a bit problematic but if there is need to sell in order to attend to an immediate health issue then it is not a bad decision to sell.

You asked a very good question, which is in a situation where by your emergency needs is greater than your emergency funds, what will you do in such a situation?
 First of all, this is one of the reasons sir jayjuangee sometimes spoke about it, in this thread why  our emergency funds should be big enough to carry three months of expenses or more, because if you emergency funds is that strong, their is no way you will fall into such predicament, because it's more better to prevent a situation from happening than looking for cure or solution to it.
So to answer your question, if you find yourself in such a situation, their is no way you can avoid tempering with your holdings, so it would be better that your emergency funds is very strong, so that you wouldn't find yourself in such a situation anytime in the future.

This is not always true depending on your country because even with 3 months worth of expenses or more sometimes not sufficient if the emergency is an extreme medical condition.

I’ve been on this situation before and it sucks to be on a country that has a poor healthcare even though I’m paying contributions since I start working.

To cut the chase, there’s always some scenario that even you seem prepared you will forced to take a lot from your funds. But in general having an extra funds like that is a must to cover any normal emergency that can possibly happened.

Guys need to figure out a balance in how much cash they are keeping in their cushion (back up funds) as compared with how much they are investing into bitcoin, and yeah the back up funds are not going to cover all situations that might happen, and if people live in circumstances in which there are higher chances that higher cost emergencies are going to happen, then they likely need to keep more back up funds.

If you screw up in one direction or another, then you are going to be the one who pays the price for your screw up... which should be an incentive to get it right or at least within a reasonable neighborhood of right.  Small mistakes are not a big deal and small mistakes are likely to happen..

If we are investing over 10 years and even sometimes 15 years or more, we are likely going to have various mistakes along the way, yet at the same time we should still want to be mostly directionally correct by investing in BTC and sufficiently protecting our bitcoin investment, but yeah if we end up being a no coiner and/or a low coiner after 10-12 years of investing, then we might acknowledge mistakes that we might have made, yet we cannot go back in time and "do over" those previous 10-12 years... There can be a really BIG difference 10 years later, and we would likely end up feeling a lot of regrets if we have to start over after investing for 10 years if we end up screwing up in BIG ways rather than small ways in which we can recover.

JayJuan sir, your words touches a reality that most people in the Bitcoin space like those people trying to balance a budget tend to ignore because it is not as exciting as checking the charts every ten minutes. I support what you said because your main discussion about we should find an active balance between a back up account and our Bitcoin holdings is not just a suggestion but if you look carefully at it, you'll learn that it is a crucial requirement that is needed if one wants to survive a very very long investment journey. Just as you pointed out,  if you have not prepared for high cost emergencies that life inevitably throws your way, then you're volunteering to be the person who pays the ultimate price for your own poor planning later in life.

There are somethings I have learnt from what you said and I think all being summed up is like talking about a reset button in life and also a kind of fence that the act of properly reserving funds provides. Let me start with the first observation which is;

THE RESET BUTTON: While we are all focused and concerned on the dollar value of our Bitcoin, JayJuanGee rightly identified that our true asset is the 10-15 year time horizon. When you are forced to sell your Bitcoin to cover a primary life emergency just because your back up funds were non existent, you are not just losing that amount of money but you are hitting a reset button on a decade of possible growth and there is no do-over for those ten years. The difference between a low-coiner who sold his Bitcoin and a full-coiner who protected his coins by cash is a gap that becomes impossible to close as we grow older.

THE UNSEEN FENCE: The second point is the psychological fence that cas reserve provides, which is the only way to stay correct during volatility. In this life, it is very easy to say your hands are blessed when things are going well but if every penny you have is tied up in a volatile asset, trust me that every dip in price will become a threat to you. By having enough back up funds, you remove the element of desperation from within you while investing. Sufficient back up cash acts as a protective wall in our investment wall, keeping our Bitcoin safe from it being used or sold because of inevitable emergencies. It may look boring or starving but it is that boring act of stacking funds for backup that helps you to gain and keep the profits of the Bitcoin you have suffered to accumulate.

[Brizi5000]

You are not wrong but, in a circumstance where an emergency need swallows your emergency funds, you will be left with no option but to sell part of your bitcoin. It is not wrong to sell your bitcoin either to take profits or to use it to settle a need that have overpowered your emergency fund as far as you have reached the target of your accumulation. It's only when you are still in accumulation stages that it will become a bit problematic but if there is need to sell in order to attend to an immediate health issue then it is not a bad decision to sell.

You asked a very good question, which is in a situation where by your emergency needs is greater than your emergency funds, what will you do in such a situation?
 First of all, this is one of the reasons sir jayjuangee sometimes spoke about it, in this thread why  our emergency funds should be big enough to carry three months of expenses or more, because if you emergency funds is that strong, their is no way you will fall into such predicament, because it's more better to prevent a situation from happening than looking for cure or solution to it.
So to answer your question, if you find yourself in such a situation, their is no way you can avoid tempering with your holdings, so it would be better that your emergency funds is very strong, so that you wouldn't find yourself in such a situation anytime in the future.

This is not always true depending on your country because even with 3 months worth of expenses or more sometimes not sufficient if the emergency is an extreme medical condition.

I’ve been on this situation before and it sucks to be on a country that has a poor healthcare even though I’m paying contributions since I start working.

To cut the chase, there’s always some scenario that even you seem prepared you will forced to take a lot from your funds. But in general having an extra funds like that is a must to cover any normal emergency that can possibly happened.

Guys need to figure out a balance in how much cash they are keeping in their cushion (back up funds) as compared with how much they are investing into bitcoin, and yeah the back up funds are not going to cover all situations that might happen, and if people live in circumstances in which there are higher chances that higher cost emergencies are going to happen, then they likely need to keep more back up funds.

If you screw up in one direction or another, then you are going to be the one who pays the price for your screw up... which should be an incentive to get it right or at least within a reasonable neighborhood of right.  Small mistakes are not a big deal and small mistakes are likely to happen..

If we are investing over 10 years and even sometimes 15 years or more, we are likely going to have various mistakes along the way, yet at the same time we should still want to be mostly directionally correct by investing in BTC and sufficiently protecting our bitcoin investment, but yeah if we end up being a no coiner and/or a low coiner after 10-12 years of investing, then we might acknowledge mistakes that we might have made, yet we cannot go back in time and "do over" those previous 10-12 years... There can be a really BIG difference 10 years later, and we would likely end up feeling a lot of regrets if we have to start over after investing for 10 years if we end up screwing up in BIG ways rather than small ways in which we can recover.

JayJuan, your words strikes on a reality that most people in the crypto space like those people trying to balance a budget tend to ignore because it is not as exciting as checking the charts every ten minutes. I support what you said because your main discussion about we should find an active balance between a back up account and our Bitcoin holdings is not just a suggestion but rather it is a fundamental requirement if one wants to survive a decade long investment journey. Just as you pointed out,  if you have not prepared for high cost emergencies that life inevitably throws your way, then you're volunteering to be the person who pays the ultimate price for your own poor planning later in life.

There are somethings I have learnt from what you said and I think all being summed up is like talking about a reset button in life and also a kind of fence that the act of properly reserving funds provides. Let me start with the first observation which is;

THE RESET BUTTON: While we are all focused and concerned on the dollar value of our Bitcoin, JayJuanGee rightly identified that our true asset is the 10-15 year time horizon. When you are forced to sell your Bitcoin to cover a primary life emergency just because your back up funds were non existent, you are not just losing that amount of money but you are hitting a reset button on a decade of possible growth and there is no do-over for those ten years. The difference between a kow-coiner who sold his Bitcoin and a full-coiner who protected his coins by cash is a gap that becomes impossible to close as we grow older.

THE UNSEEN FENCE: The second point is the psychological fence that cas reserve provides, which is the only way to stay correct during volatility. In this life, it is very easy to say your hands are blessed when things are going well but if every penny you have is tied up in a volatile asset, trust me that every dip in price will become a threat to you. By having enough back up funds, you remove the element of desperation from within you while investing. Sufficient back up cash acts as a protective wall in our investment wall, keeping our Bitcoin safe from it being used or sold because of inevitable emergencies. It may look boring or starving but it is that boring act of stacking funds for backup that helps you to gain and keep the profits of the Bitcoin you have suffered to accumulate.

this is not space for  crypto, here is bitcoin investment space so you should be specific and say bitcoin so that you don't associate bitcoin to crypto because there are so many crypto that are shitcoins, and they can be misleading newbie to go and invest in them base on your choice of words. so instead of using the vague term crypto, it will be better to go  directly and say Bitcoin for clarity sake because most folks here only invest in bitcoin.

[Tonimez]

Currently as I have learned so far ,I have been informed that in Bitcoin investments that their is no perfect time to buy or to sell ,that if you have money to invest you should invest because the more you are weating for Bitcoin to decrease before you buy that's more time you are wasting,so the perfect time is to invest in to Bitcoin at anytime time ,but do it with your spear money (descretionary income )so that if the investment doesn't go well you can't even regret it,so invest at anytime ,to be at the safer side you can
sell at the top and buy at the bottom.

Wow! lover boy you have tried to make a very valuable point by saying that you are "informed that in Bitcoin that there is no perfect time to buy or to sell". For sure I believe and work with no perfect time to buy Bitcoin and having no perfect time to buy Bitcoin is somehow talking about or related to DCA strategy. But you also saying that there is no perfect time to sell is in a way implying that long-term approach to Bitcoin doesn't really matter since if you buy Bitcoin today (which is a perfect time to buy Bitcoin) tomorrow (as in 25th January 2026) can become the perfect time to sell and this is not long term but trading or gambling.

He is wrong to say that there is no perfect time to sell bitcoin because this simply means we can sell bitcoin at any time regardless of whether we are in profit or not. I do believe that long term investors do have investment timeline as per how long they intend to hold there bitcoin before they will sell.
As for perfect time to buy, the only time I do consider perfect time to buy is when we have discretionary income e buy bitcoin with.

But I would also say that there's no PERFECT time to sell bitcoin as an investor. The word "Perfect" means "Without Flaw" and it definitely can not define selling bitcoin. No matter the time you sell bitcoin, there would have always been a better option which is holding longer. A perfect action has no better option so for me when it comes to bitcoin, there would always be a better option which is HODLing longer even after attaining the over accumulation target. It may not be a bad option to sell but definitely not a perfect option to sell.

Bitcoin investors are clearly different from bitcoin traders and I feel that statement "Perfect selling period" is rampant among bitcoin traders who keep timing the market in order to sell off when they feel they are making enough profit. Let's keep in mind that the longer you HODL the better so even at over accumulation stage, you are not completely obliged to sell your bitcoin as long as you are not in much need to sell.

There's a perfect time to invest as you have noted which is whenever you have your Discretionary income, but there's no perfect time to Sell your bitcoin because even if you sell at $126k, what happens if bitcoin goes to $130k the next morning? You just lost opportunity already. So selling bitcoin would never be a perfect option at anytime even though it may be unavoidably important to sell or after retirement. But there are always a better option which is HODLing.

[Gallar]

He is wrong to say that there is no perfect time to sell bitcoin because this simply means we can sell bitcoin at any time regardless of whether we are in profit or not. I do believe that long term investors do have investment timeline as per how long they intend to hold there bitcoin before they will sell.
As for perfect time to buy, the only time I do consider perfect time to buy is when we have discretionary income e buy bitcoin with.

For those just starting to invest in Bitcoin, I don't think there's any need to think about selling their Bitcoins. Why would they? We're still in the early stages of our investmentt. Therefore, we need to focus more on accumulation. Believe me, if we think too much about selling our Bitcoins, sooner or later,, I'm sure they'll be tempted to sell. Therefore,, we don't need to worry about selling, as we're still in the early stages of our investment. The key is to be patient and avoid rushing into small profits. This is an investment, and investments won't be successful overnight. Therefore, focus and remain focused on accumulation.

[Iamgoat]

He is wrong to say that there is no perfect time to sell bitcoin because this simply means we can sell bitcoin at any time regardless of whether we are in profit or not. I do believe that long term investors do have investment timeline as per how long they intend to hold there bitcoin before they will sell.
As for perfect time to buy, the only time I do consider perfect time to buy is when we have discretionary income e buy bitcoin with.

For those just starting to invest in Bitcoin, I don't think there's any need to think about selling their Bitcoins. Why would they? We're still in the early stages of our investmentt. Therefore, we need to focus more on accumulation. Believe me, if we think too much about selling our Bitcoins, sooner or later,, I'm sure they'll be tempted to sell. Therefore,, we don't need to worry about selling, as we're still in the early stages of our investment. The key is to be patient and avoid rushing into small profits. This is an investment, and investments won't be successful overnight. Therefore, focus and remain focused on accumulation.

This is indeed one of the biggest traps newbies in bitcoin investor do face and as a newbiew the moment you started thinking too much about selling instead of you focusing on the other side which is the buying and doing this is what makes many of the newbies to start to watch every small pump like a signal and before you know it you have turned your long terms plan into short term panic because of lack of discipline. I quite understand bitcoin investment is not an easy thing to do so it requires you to be a very intentional person and patient person and this is why for any newbie it is encouraged, the goal should be simple, stack and build conviction. I understand some of the newbies get wowed about the small profits they see from the bitcoin investment already which is just something which plays out to distract you from the bigger profits. What I'm saying in a nutshell is some people did not lose their bitcoin because they did not accumulate, they lose it because they were not patient enough and had to sell their investments way to early and could not buy back at a good price again.

[amihada]

Snip

If a guy is regularly investing into bitcoin then at various points along the way, he can measure his progress and even determine if he might need to be more aggressive or less aggressive in the quantity of bitcoin being accumulated (or perhaps measured in terms of his chosen weekly investment amount).  So then at some point he might determine that he had moved to his maintenance stage (and he is not accumulating as much any more) or that he has graduated to sustainable withdrawal based on his having enough or more than enough.  There is price based sustainable withdrawal and time based sustainable withdrawal that I discuss in my sustainable withdrawal thread - yet with the employment of each of those methods, I presume that they are employed only after reaching overaccumulation status.

Yes. When someone invests in Bitcoin regularly, it becomes easier to monitor progress and adjust their investment strategy. This is a very wise move and makes it easier to manage risk and achieve financial goals. Certain stages are needed to achieve investment goals, such as accumulating regularly to increase the number of Bitcoin holdings and making withdrawals when Bitcoin has reached a predetermined level. The continuous withdrawal method can be used when you have reached your desired financial goals or want to maintain your profits.

[Futurexxx]

For those just starting to invest in Bitcoin, I don't think there's any need to think about selling their Bitcoins. Why would they? We're still in the early stages of our investmentt. Therefore, we need to focus more on accumulation. Believe me, if we think too much about selling our Bitcoins, sooner or later,, I'm sure they'll be tempted to sell. Therefore,, we don't need to worry about selling, as we're still in the early stages of our investment. The key is to be patient and avoid rushing into small profits. This is an investment, and investments won't be successful overnight. Therefore, focus and remain focused on accumulation.

You are absolutely correct bro, a newbie investor have no business thinking about selling his Bitcoin holdings because that is a critical stage he should be accumulating and building up a reasonable stash of Bitcoin, than messing around and be checking if he is in a profit or not, besides, why would a reasonable Bitcoin investor be thinking of selling when he hasn't build a huge stash of Bitcoin, since it's what determine how profitable an investor may be.

The only time an investor should contemplate selling and taking profit is when he has gotten to his over accumulation status, and when taking profit, he should not take profit more than necessary, that will take him far below his over accumulation status, because it's too bad to accumulate for years and use just one day to sell everything off and become a no coiner overnight.

[centrum]

You're referring to the unpredictability of cryptocurrency markets! It's frustrating when coins drop in value after buying or appreciate after selling. This volatility is normal, especially with Bitcoin, which has seen significant fluctuations.

Currently, Bitcoin's price is around $90,047, and experts predict it may rise to $103,952 by February 2026. Some forecasts even suggest it could reach $150,000 to $200,000 by the end of 2026 .

Whether it's a buy or sell time depends on your investment goals and risk tolerance. If you're looking for long-term growth, now might be a good time to invest. However, if you're looking for short-term gains, it's essential to monitor market trends and set clear entry and exit points.

Keep in mind that cryptocurrency investments carry risks, and it's crucial to do your own research and consider multiple sources before making decisions.

Would you like more information on Bitcoin's price predictions or investment strategies?

What the hell. You don't need all this things man. Do you have a long term plan? Are you currently buying bitcoin? How consistent are you? That should be your concern rather than all this crypto circus, that will only keep you in a single spot.

You can't predict bitcoin, when will you lot ever understand that.

If you cherish protecting your finances, then stay the fuck away from acting like a trader and invest in Bitcoin with the strategy called DCa.

Bitcoin investment is most important to plan for the long term, where each investment should be held for a long time to be able to achieve appropriate benefits. Following the DCA method makes it easier to hold Bitcoin for a long time, and investing Bitcoin weekly will enable investors to accumulate more Bitcoin. However, those who invest with ordinary small amounts of money should continue until they accumulate one Bitcoin.

Instead of expecting sudden big profits from Bitcoin it is wiser to stay patient and think long term, DCA reduces stress when the market goes down there is less fear and over time your Bitcoin holdings grow, Even small but consistent investments can eventually add up to a good amount of Bitcoin,The key point is to stay consistent and avoid rushing,
 
However I have also seen many people say that smart DCA is a bit better, The idea is that smart DCA not only helps accumulate Bitcoin like regular DCA but also allows buying more during deep market dips, Still I think this approach is not easy for everyone because not everyone has a large amount of extra money available to invest during those dips,

DCA and smart DCA are both ways of investing money but they are not the same, DCA is very simple, in this method a person invests the same amount of money every month or at a fixed time,it does not matter if the market price goes up or down, people who are new and want a stress free way prefer DCA, fear and greed work less here so the chance of making mistakes is also lower...
 
smart DCA is a little different,here money is invested regularly but decisions are also made by looking at the price, when the price is low more is bought,when the price is high less is bought or the person waits,this can help buy at a better price but it is not always easy to make the right decision,if the decision is wrong there can be loss instead of profit,
 
simply put people who want less thinking and like to follow rules should choose DCA, people who understand the market and can give time and think before investing may find smart DCA better...

[PhilosopherKing]

Smart DCA is retarded.

Guys are trying to proclaim that combining DCA with buying the dip is better and acting as if they (or any newbie) can figure out when a dip may or may not happen, when newbies are likely to be way better off to just stay focused on ongoing buying and not trying to predict the price or to time their buys for dips that might not happen.

Also, fucking around trying to figure out dips puts a bitcoin investor into a wrong mindset which involves a lot of waiting and trying to figure out what if and all kinds of bullshit that is not really knowable whether by a newbie or anyone else.

DCA is one of the three ways of buying bitcoin in the context of investing, and in bitcoin investing should be more than 10 years, unless there might be some age or health issues that might cause a person to have an investment timeline for only 4-10 years...  So if many folks are investing for 4-10 years or longer, then it is likely to stay focused on ongoingly buying until they get enough or more than enough bitcoin, which could well take 4-10 years or longer just to buy enough or more than enough bitcoin.

So trying to act like you are smart about DCA because you are fucking around trying to identify dips that may or may not happen is likely going be a counter-productive practice that interferes with bitcoin accumulation rather than making bitcoin accumulation better and/or to result in more bitcoin accumulated for the same quantity of dollars (fiat).

In the end, guys can choose to do whatever they like in regards to their bitcoin buying, including being so presumptive as to think that it is helpful to be trying to predict the bitcoin price and/or dips that might not happen.

I frequently like to suggest that guys ongoingly, persistently, consistently, regularly and perhaps even aggressively try to buy as much bitcoin as they can, without overdoing it... so there is some value in not overdoing it.. yet the focus is likely better to remain on ongoing buying of bitcoin rather than waiting around and/or strategizing and running the risk of ending up with way less bitcoin than what you could have had if you just stayed focused on the prize, which is the ongoing and regular accumulation of bitcoin.

Smart DCa will make people to time the market and hunt after dips and that's certainly very counterproductive since it will only give people lesser bitcoin than if they bought regularly with DCa.

What is the need for people placing their selves in lot of pressure with smart DCa when they can just DCa?
 
The surest way to win in bitcoin is to buy consistently with the amount you can afford to loose. While the fastest way for people to fuck themselves over, likewise their investments is when they commence the act of pursuing after dips and timing the market and that is what is gotten with Smart DCa.

[arwin100]

You're referring to the unpredictability of cryptocurrency markets! It's frustrating when coins drop in value after buying or appreciate after selling. This volatility is normal, especially with Bitcoin, which has seen significant fluctuations.

Currently, Bitcoin's price is around $90,047, and experts predict it may rise to $103,952 by February 2026. Some forecasts even suggest it could reach $150,000 to $200,000 by the end of 2026 .

Whether it's a buy or sell time depends on your investment goals and risk tolerance. If you're looking for long-term growth, now might be a good time to invest. However, if you're looking for short-term gains, it's essential to monitor market trends and set clear entry and exit points.

Keep in mind that cryptocurrency investments carry risks, and it's crucial to do your own research and consider multiple sources before making decisions.

Would you like more information on Bitcoin's price predictions or investment strategies?

What the hell. You don't need all this things man. Do you have a long term plan? Are you currently buying bitcoin? How consistent are you? That should be your concern rather than all this crypto circus, that will only keep you in a single spot.

You can't predict bitcoin, when will you lot ever understand that.

If you cherish protecting your finances, then stay the fuck away from acting like a trader and invest in Bitcoin with the strategy called DCa.

Bitcoin investment is most important to plan for the long term, where each investment should be held for a long time to be able to achieve appropriate benefits. Following the DCA method makes it easier to hold Bitcoin for a long time, and investing Bitcoin weekly will enable investors to accumulate more Bitcoin. However, those who invest with ordinary small amounts of money should continue until they accumulate one Bitcoin.

You sound lost and out of touch.

Even if a guy were to invest $300 per week into bitcoin, he would invest $15,600 after a year, and $156k after 10 years.  Do you really believe that the average price of bitcoin is going to be $156k or less over the next 10 years?  Maybe you should think about the matter in regards to how much you consider it to be possible for people who you consider to have "ordinary small amounts" of money that they can continuously invest in bitcoin...

Perhaps less than $50 per week would be an "ordinary small amount of money" which would get you $2,600 invested in a year and $26k over 10 years, which might get you 0.1 BTC.. Perhaps?

Guys need to attempt to be realistic in regards to how much bitcoin they think that they (and/or newbies into bitcoin) would be able to accumulate, even if they are able to continuously buy bitcoin for the next 10 years or more.

Don't get me wrong.  I am not proclaiming that guys should not invest in bitcoin, yet instead to try to be realistic in regards to how much bitcoin you think that you can accumulate - even if you invest into bitcoin as aggressively as you are able to invest, without overdoing it.

They just need to be true to themselves towards their accumulations. Even if they they made steady weekly accumulations they might still slow up especially if they face some issues. The real challenges here if they can sustain it and balance their aggressiveness on their investment.

No doubt Bitcoin is a long term great asset and setting up their targets and make it real for stacking their Bitcoin for more years (4-10) years is I think more important compare if they chase those hypes or any short term profits to get.

[sotelorene]

Snip

If a guy is regularly investing into bitcoin then at various points along the way, he can measure his progress and even determine if he might need to be more aggressive or less aggressive in the quantity of bitcoin being accumulated (or perhaps measured in terms of his chosen weekly investment amount).  So then at some point he might determine that he had moved to his maintenance stage (and he is not accumulating as much any more) or that he has graduated to sustainable withdrawal based on his having enough or more than enough.  There is price based sustainable withdrawal and time based sustainable withdrawal that I discuss in my sustainable withdrawal thread - yet with the employment of each of those methods, I presume that they are employed only after reaching overaccumulation status.

Yes. When someone invests in Bitcoin regularly, it becomes easier to monitor progress and adjust their investment strategy. This is a very wise move and makes it easier to manage risk and achieve financial goals. Certain stages are needed to achieve investment goals, such as accumulating regularly to increase the number of Bitcoin holdings and making withdrawals when Bitcoin has reached a predetermined level. The continuous withdrawal method can be used when you have reached your desired financial goals or want to maintain your profits.

As an investor who is determined to invest and hold for long term, there won't be need to be monitoring the progress or success because this can cause or make an investor to think of selling premature ( when they are yet to reach their overaccumulation stage). Sometimes what makes some people sell off their investment is because of profit, there are people that constantly looking at their progress always trigger the thought to sell so I see monitoring progress as a distraction most times.

[Sulegzy39]

If your monthly income is stable it's quite easy to implement a DCA strategy to buy Bitcoin without worrying about the right time. The reason is that you always have sufficient capital so you no longer have time to worry about what happens to market conditions, whether they are rising or falling drastically.

I don't know why you're getting it twisted, you don't need a stable income before you can invest into bitcoin and DCA. What you need is your discretionary income and you are good to go. I have seen a lot of people who have stable income but still cannot meet up to their monthly needs how will such people invest.

Someone might win a lottery or a jackpot and decide to invest part of the the money into bitcoin by using DCA. He can invest $100 weekly and spread it over several weeks and keep his bitcoin investment ongoing overtime. Same applies to a contactor whose income isn't stable, the moment he get paid he can use his discretionary income and spread it in several weeks with DCA. Financial management is very important when investing in bitcoin

It is very easy when you know your source of income it will not hard for you. having a structure plan will make it easier to maximize it. The level of your spending is what determines if you will have available a description income or not some one can be earning big big money steady, but because his spending is not been controlled well, he will would still not be able to get discretionary income, but some one that earn way lesser can manage, can still set aside money to invest, you will be able to protect your investment and maintain your ability to hold bitcoin. Stay calm when facing adversity and stay focus.

[ruykeri]

There is no set rule for buying Bitcoin, as much as one can afford is enough to buy Bitcoin. Those who take the initiative to buy Bitcoin are the wisest people at the present time, because the current situation in the Bitcoin market is the best time to buy Bitcoin. However, a person who has a good amount of discretionary income will definitely be able to buy more Bitcoin and he will be ready to sustain his Bitcoin investment for a long time. However, Bitcoin should be held for a long time by buying Bitcoin, not for selling.

If you have a strong income flow and discretionary income, then whenever it is the most suitable time to buy. It is never right to consider the right or wrong time to buy Bitcoin by analyzing the market situation.
Investing in Bitcoin depends on the financial condition of the investor.

Bitcoin holds its value over time and the possibility of increasing its value is high. This can be understood by comparing the past with the present condition. However, what will happen in the future is completely unpredictable, that is why you should invest with the money that will be in the form of holding Bitcoin for the next 4 to 10 years or more, but it will not be useful for your needs. And a person will not hold it for the rest of his life. He will sell when he thinks that his selling position is ready, he has reached such a stage of accumulation, after which he can sell Bitcoin every month and continue his life without doing any work. This will depend on the person's age, financial condition, responsibility and desire.

[BitBakerr1]

Snip

If a guy is regularly investing into bitcoin then at various points along the way, he can measure his progress and even determine if he might need to be more aggressive or less aggressive in the quantity of bitcoin being accumulated (or perhaps measured in terms of his chosen weekly investment amount).  So then at some point he might determine that he had moved to his maintenance stage (and he is not accumulating as much any more) or that he has graduated to sustainable withdrawal based on his having enough or more than enough.  There is price based sustainable withdrawal and time based sustainable withdrawal that I discuss in my sustainable withdrawal thread - yet with the employment of each of those methods, I presume that they are employed only after reaching overaccumulation status.

Yes. When someone invests in Bitcoin regularly, it becomes easier to monitor progress and adjust their investment strategy. This is a very wise move and makes it easier to manage risk and achieve financial goals. Certain stages are needed to achieve investment goals, such as accumulating regularly to increase the number of Bitcoin holdings and making withdrawals when Bitcoin has reached a predetermined level. The continuous withdrawal method can be used when you have reached your desired financial goals or want to maintain your profits.

As an investor who is determined to invest and hold for long term, there won't be need to be monitoring the progress or success because this can cause or make an investor to think of selling premature ( when they are yet to reach their overaccumulation stage). Sometimes what makes some people sell off their investment is because of profit, there are people that constantly looking at their progress always trigger the thought to sell so I see monitoring progress as a distraction most times.

Yes, you are correct. If you are always monitoring your progress, you will be tempted to sell your bitcoin as time goes on because one of the reasons why people sell their bitcoin at early stage is because they usually monitor their progress and when they see that Bitcoin has raised to good price there by making there money increase they will immediately sell there bitcoin all because of the huge profit they see, so it is better to just stop mentoring your success in Bitcoin investment just focus on accumulating and holding your Bitcoin for long term 5 years and above. The best thing to do is to have the mindset of holding for a very long time and achieving huge success in the future. This mindset will help you not to sell at an early stage.

[Bigjoe33]

He is wrong to say that there is no perfect time to sell bitcoin because this simply means we can sell bitcoin at any time regardless of whether we are in profit or not. I do believe that long term investors do have investment timeline as per how long they intend to hold there bitcoin before they will sell.
As for perfect time to buy, the only time I do consider perfect time to buy is when we have discretionary income e buy bitcoin with.

For those just starting to invest in Bitcoin, I don't think there's any need to think about selling their Bitcoins. Why would they? We're still in the early stages of our investmentt. Therefore, we need to focus more on accumulation. Believe me, if we think too much about selling our Bitcoins, sooner or later,, I'm sure they'll be tempted to sell. Therefore,, we don't need to worry about selling, as we're still in the early stages of our investment. The key is to be patient and avoid rushing into small profits. This is an investment, and investments won't be successful overnight. Therefore, focus and remain focused on accumulation.

Yea, unless for investors who have reached there over accumulation stages of buying bitcoin, they can once in a while pull some part of there Bitcoin as deemed fit for reasons known to them, and they too can also buy to replace or just to add up once in a while maybe or especially during the Dip period. But for starters who just entered Bitcoin investment, or investors who have not gotten to there over accumulation stage, the best is to keep buying and then Hold.

Secondly, that's why it very important that an investor keeps to mind the importants of emergency funds and other back up funds and ensure to grow them simultaneously while building your investment, because the readily availability of these funds helps you to really Hodl your BTC for long term plan. You can't Hodl if you don't back up.. it's necessary