Buy Buy Buy or Sell Sell Sell?

[Rockson1]

What's the essence of starting as early as possible when children that has known their left and right can't start their accumulation?
I believe that Bitcoin is for everyone, and starting it at a very tender age even gives you that additional advantage of on how long you can be able to hold, because a child of 10-15 years that started his Bitcoin accumulation can invest and hold for thirty years plus, unlike someone that is in his sixties, but one thing I know is that everyone can invest in bitcoin irrespective of your age, and as long as you follow through according, through the dca accumulating strategy, and you put down measures like emergency and reserve funds in place, the probability of your bitcoin investment being a success is very high.

The phrase that Bitcoin is for everyone is not arguable but I will prefer saying Bitcoin is for those that want to be part of it, as we have always said, no one should be forced or pressured or persuaded to invest in Bitcoin, I also think you are right that the early age someone starts, the best for the persons but starting early does not mean that the person will continue to acumulate, if we look around the world today there is no way we will not see some persons that started investing in Bitcoin early that could not continue their acumulation, I think Bitcoin investment is more of determination, I mean someone setting a goal and making sure that he does not deviate from achieving that goal, starting at a younger is very fantastic but I will also have to say that even though you start at your adult age, what counts is how consistent and committed you are in achieving your course.

[Gallar]

For instance if a folk who has no bitcoin investment happens to have a lot of cash and wishes to invest in bitcoin, his DCA input might be very different from the average man who works 9 to 5 with barely enough discretionary income.

Even an average folk that works a 9-5 can have a lot of money at some point in their life. There are always these possibilities that you can have allowances and work bonuses come your way from time to time. These do count for some income outside your regular salary and could serve as discretionary income pending how you’ve planned yourself. You can invest with this money and still use the DCA method in allocating just what you feel is enough to serve your investment purpose.

I don't think that an investor should plan his discretionary income from bonus and allowances he is hoping for, that is not the right thing to do and instead of that, he should plan that from his salary. Discretionary income is the amount of money left after you have removed the money for your basic needs so if your salary comes, the first thing to do is to remove the money for basic needs then what is left you can calculate how much you would want to invest in Bitcoin, and how much you will set aside as emergency funds. Those bonuses when received can be put into your emergency funds or reserved funds, that way you are building more capacity to protect your investmemt and even increase your purchase when you consider it necessary.

Turning bonus money into discretionary funds is certainly possible, as it's essentially idle cash, meaning it won't be allocated to anything. So, broadly speaking, it can also be considered discretionary funds. Therefore, if you have a bonus from your job and invest it in Bitcoin, I think that's quite good. However, if your emergency fund isn't large enough or doesn't cover six months of living expenses, it's fine to put the bonus money into it as well. However, if your emergency fund is already substantial, I think investing it in Bitcoin is clearly better. This will help you grow your Bitcoin portfolio and achieve your Bitcoin accumulation goals more quickly. So, the bottom line is that investing in Bitcoin is better if you have sufficient emergency funds. But ultimately, it's up to each individual, as we all have different plans, right?

[Lida93]

For instance if a folk who has no bitcoin investment happens to have a lot of cash and wishes to invest in bitcoin, his DCA input might be very different from the average man who works 9 to 5 with barely enough discretionary income.

Even an average folk that works a 9-5 can have a lot of money at some point in their life. There are always these possibilities that you can have allowances and work bonuses come your way from time to time. These do count for some income outside your regular salary and could serve as discretionary income pending how you’ve planned yourself. You can invest with this money and still use the DCA method in allocating just what you feel is enough to serve your investment purpose.

The pointer is that at the end they both be doing DCA which is of no difference except for the amount and time intervals (weekly or monthly) that they individually would be using for their DCA. Otherwise the strategy for DCA is relatively same with whatever size of discretionary income they have to allocate. Bitcoin investment is no competition as each guy can be accumulating the little SATs they can consistently keep up with in a long timeframe of about 4-8 years to get a huge returns.

[PhilosopherKing]

It is good to try to learn as you go, so if you are poor and you don't know very much, then probably you would invest smaller amounts and learn as you go... If you are not ready, willing or able to learn, then maybe you should not invest in bitcoin.

Yes, buying Bitcoin is away people can use to learn about bitcoin because exemption from Bitcoin won't teach anyone a thing until they have start, put their money and experience Volatility. For those that are poor and don't properly understanding bitcoin, smaller amounts investment should be what they go with, so that as they are ongoingly investing they are also learning about bitcoin.

Learning along the way is good because it is away that person can improve themselves so that they will not make dumb mistakes.

[JayJuanGee]

If we want to be financially independent or rich in life, we must have a good understanding of money management and identify and analyze the potential areas of money generation. Then we have to choose the area that is relatively good and convenient that will benefit us in the long term. Similarly, by analyzing, I have found Bitcoin as an area of ​​money generation. Where if we invest on a long-term basis, we will get good profits and it will even make us equally profitable in our old age.

To be financial free or rich, people must know importance of risk management and always try to minimize risk against their finance as most as possible. It's because if they can manage risk well, they will reduce probability of losing their money with any decision, and if they also have ability to find chances of getting profit from their initial capital, they will get richer over time.

The challenge is they don't need to get rich quick, just get rich is enough as time flies fast and they will become considerable richer over time. The most important task for them to do is managing risk well, and minimize loss as lowest as possible, then they will succeed with financial free target in the future.

It's the same with Bitcoin, investing money from discretionary income will help them being able to hold bitcoin for a long time. And with Bitcoin, holding it a long time means very good profit.

https://casebitcoin.com/charts#roi_chart

The term "risk management" is vague and hardly means anything, since so many traders also use such term.

When we are talking about investing 4-10 years or longer, we talk about figuring out how much of our discretionary funds that we are going to invest from so that we can continue to build and hold our bitcoin for such timeline, and we also talk about keeping back up funds so that we can account for fluctuations in our income and/or expenses over such period and have a cushion so we are not forced or even lured into tapping into our bitcoin at a time that is before our choosing.. which truly bitcoin is quite liquid (meaning easy to tap into) and from time to time, it could be quite in profits, which also lures us into tapping into it.. so in several senses we have to build up tactics so we are not lured to tapping into it prior to the time of our choosing,

and surely in the earliest years of our bitcoin investment, we are likely ongoingly buying bitcoin to reinforce our commitment to build our bitcoin stack size, yet as we build up our bitcoin stash size we might slow down in our building it, yet we also don't want to fall into situations of tapping into it .. since that will likely delay us from reaching overaccumulation status if reaching such overaccumulation status might be one of our goals.. since we likely have more options once we reach overaccumulation status depending on how we measure it and how much we end up exceeding our overaccumulation levels, presuming that we may well be able to make it to such point in our bitcoin investment journey.

[edited out]

You all are not being realistic enough here, all I see here is blind agreement, how can you have discretionary income when your financial stability is hanging in the balance ,make it make sense!! , realistically, you must have surplus money to be able to remove your discretionary income from ,you can’t invest when you’re broke let’s clarify that .

At any point in time, a person can calculate the extent to which he has "extra" funds or not in order to get started buying bitcoin, and each time such person thinks about buying bitcoin, he can make such calculation about if he has "extra" funds. 

For sure, people are going to be in a better position if they have regular income coming in, yet not everyone has regular income, yet they can still choose to buy bitcoin with their extra money.  Of course, if their level of funds are so low that they might not be sure to be able to get more income in order to cover their future expenses, they might not be in a good position to buy bitcoin at that particular time.... so yeah, getting more income and/or cutting expense can be solutions to increase discretionary income.  Each person has to determine, and surely getting started investing in bitcoin is important, yet if they are ongoingly suffering from lack of income and/or too many expenses, then their bitcoin investment may well suffer whether they are striving to buy $100 per week, $10 per week or some other amount of bitcoin.
There are so many folks who never reach overaccumulation status based on their either selling too many bitcoin too soon and also their slowing down too much in their level of bitcoin accumulation too much and too soon. Cashflow management seems a way better descriptive term than risk management.

To be financial free or rich, people must know importance of risk management and always try to minimize risk against their finance as most as possible. It's because if they can manage risk well, they will reduce probability of losing their money with any decision, and if they also have ability to find chances of getting profit from their initial capital, they will get richer over time.
The challenge is they don't need to get rich quick, just get rich is enough as time flies fast and they will become considerable richer over time. The most important task for them to do is managing risk well, and minimize loss as lowest as possible, then they will succeed with financial free target in the future.

However I believe it is difficult for everyone to understand how to achieve freedom by minimizing financial risk because currently many people don't understand the most important thing understanding the risks they will accept. Therefore people tend to reduce the decisions they make to their ability to find and reap the benefits they achieve.

It is true that there is no need to get rich quickly but many people will not want what you mentioned because all groups of people when seeking wealth of course the main thing they think about is how to get rich quickly even though as you mentioned wealth will be determined by time and how we use that time so that our goal of becoming rich is achieved, maybe this should start with carrying out our main tasks in doing things related to work so that in doing this of course we will protect the risks that we anticipate and also we will not experience the risks that become obstacles for us to become rich.

We learn how to manage our risks by putting systems into practice, and the more we practice, pay attention and tweak our systems/practices from time to time, the more likely we learn how to manage our cashflows better and better and better.  The more we pay attention to our cashflows and have goals of accumulating bitcoin, then perhaps we also might identify ways that we can increase our discretionary income by increasing our income and/or cutting our expenses.

You all are not being realistic enough here, all I see here is blind agreement, how can you have discretionary income when your financial stability is hanging in the balance ,make it make sense!! , realistically, you must have surplus money to be able to remove your discretionary income from ,you can’t invest when you’re broke let’s clarify that .

Mr Blueblood I think that you are not getting the point here, having a stable income doesn't guarantees that you can figure out your discretionary income because stable income means making a particular amount of money consistently at a particular given point in time, so it might be too small to even figure out your discretionary income from it, so it's not a guarantee that once you have a stable income, you can invest in Bitcoin and be successful, what all Bitcoin investors needs in other to invest and be successful is discretionary income, money left after all basic needs have been met, so you must not have a stable income before you invest in Bitcoin, all that you need is a discretionary income, and you are good to go.

You all keep yapping that having discretionary income doesn’t mean a person has to have some level of financial stability in their life ,you say this as if the discretionary income will just fall from the sky, of course it won’t fall from the sky ,discretionary income comes from a consistent and predictable source of income ,so its common sense to know that if your income is unstable or irregular ,it can affect your discretionary income which makes it harder to invest consistently or stick to strategies like DCA especially. So even though you’re right to an extent ,you’re not entirely correct (two rights can exist),we know discretionary income is very essential for investing in bitcoin but a stable income still also plays a very important role because it is what allows an investor to sustain their investment over a long period of time.

I have tended to be inclined to recommend that guys figure out ways to buy bitcoin every week, so there surely can be value in terms of employing consistency.  Consistency helps to build up the bitcoin investment in a regular way and perhaps even more quickly and stronger. Consistency also helps to reinforce the behavior and priority of buying bitcoin, yet at the same time, consistency is not required to invest in bitcoin.  Guys can choose their level of consistency and their level of aggressiveness too... 

, but if we are not financially stable or do not have a clear idea about our spending, savings and risk taking ability then investing will become a risky business for us. Please forgive me if my words are wrong.

You don't need to be financially stable before you can invest in bitcoin because you only need your discretionary income to invest. This is why a new investor needs to study his own cash inflow and first figure out if he has a discretionary income or not before he can start his bitcoin investment.

Discretionary income means the leftover cash after you must have taken care of your basic needs and monthly expenses. It doesn't matter how much it is even though, it as small as $10 and above, you can still buy bitcoin with it.

If you want to wait to be financially stable before you start investing, you might end up not investing at all because more responsibilities can keep on popping up. If you don't have a steady discretionary income, you should buy bitcoin whenever, your discretionary is available and look for other means of income like getting a second job or learning a skill or go and get a higher qualification to increase your income.

If you have an additional income, that can be your discretionary and you can use part of it to DCA regularly, weekly, persistently and consistently and if possible buy aggressively. It's good you learn good financial management of your cash inflow as your are investing so that you can channel your income to the appropriate places.

It is absolutely true that if we wait for financial solvency to invest in Bitcoin, we will not be able to invest in it for the rest of our lives. We breathe a sigh of relief after any problem is solved, thinking that no more dangers may come. But ultimately, a new problem arises and we get busy again. Therefore, there is absolutely no need to wait for the perfect time to invest in Bitcoin because the perfect time will never come in life. Therefore, I think it would be wise to start investing with whatever discretionary income we can get without delay. And if the discretionary income increases later, it would be better to form an emergency fund from it that will protect the Bitcoin investment. But is it always right to invest in Bitcoin aggressively?

Guys with discretionary funds can invest as aggressively as they are able to do without over doing it, so they have to figure out at what point they are over doing it, and surely they likely are in a better position to invest more conservatively as they are building up their back up funds - yet once they have strong back up funds, they are likely in a better position to cover any mistakes that they might have had ended up making - yet anyone should still try to not make mistakes, even though mistakes are likely to happen from time to time, and hopefully such mistakes are not large in their impact and/or their nature.

. However, using discretionary income won't make someone not to panic or sell premature because there are folks that have decided to hold for a short period of time with their discretionary income and when they are not seeing what they expected they will began to panic so it's not just using discretionary income but also the kind of mindset and plan we have.

New investors can panic when they see a dip, it is a norm but not to the point of selling their bitcoin in losses. This is why if you're a new investor who doesn't have confidence in bitcoin, you should invest with little amount as small as $10 or more till you have gained experience in the market with your regularly weekly ongoing DCA.

When your confidence have increased, you can increase your DCA amount and invest aggressively. It's good to have a long-term investment mindset and a bitcoin target to keep you focus on your bitcoin accumulation.

When it comes to Bitcoin investment everything is mindset. It's not actually based on the amount most people put on investment but their mindset is the real deal there, without a disciplined mindset they will give up on Bitcoin investment because they focus on short term profits as they want to escape poverty asap, meanwhile becoming rich through Bitcoin investment is not a day thing mostly when someone is using DCA method to buy Bitcoin. Also buying Bitcoin aggressively doesn't guarantee a successful investment because without a proper mindset all effects will be in vain.

One point most new investors miss is they don't understand that experience builds confidence on investment. Many successful investors have learned a lot from investment because at the beginning they stated small with DCA method, so the more they buy and hold also the more they get exposed to Bitcoin investment. One thing that keeps people going forward and achieving their goal is the fact that they don't start big and rushing into something they don't know about. They start small and learn from evey mistakes they make and they do better next time (they dint give up). On a contrary, which most of them started big with all their money and they lose it, there's no way they could continue because they don't have any more capital.

Long term plan has more chances of success than a short term plan. The reason why long term plan has higher chances of success is because there's always UPs and DOWNs in the market, which gives short term plan a very slim chance of success. So when someone invest in Bitcoin for a short term they will definitely sell at loss one in no distant time.
It's better to be consistent on accumulating more Bitcoin and to focus more on long term plan so that if there's a dip they will not panic or sell at loss. Constant Bitcoin accumulation is the key to build a good Bitcoin portfolio.

Your post shows that you know better than to proclaim that investing is all about mindset, since your post shows that mindset is coupled with action.. and then action may well be preferred to be consistent, persistent, regular, ongoing and perhaps even aggressive accumulation of bitcoin.

But why delay our investment just to find a source of income?

If we have discretionary income and we already have an emergency fund built up for any adversity, then we should not wait until we have created a source of income. Rather, I think it would be better to invest because we will have more time to HODL. Therefore, I think that if we already have discretionary money, we can invest and look for income at the same time.

Did you even read what you wrote ,how can you invest with discretionary income when you don’t have a source of income ,how does that make sense to you ?. Discretionary income is what is left after expenses have been sorted out from a consistent inflow of money, so if there’s no reliable source of income then you can’t have discretionary income and again ,investing without a source of income increase your chances of interrupting your strategy and this might force you to sell early.

You keep repeating the same point @BluebloodCXVI.  Of course, if we take a snapshot of our financial status at any point in time we will have a certain level of funds, and perhaps we might have expected expenses and expected income.... Even if our expected income is unclear, there could be various ways that we can assess the extent that we might get future income based on our history of gaining income and/or perhaps based on our skills and/or willingness to provide service and/or sell goods for income. 

If we end up investing into bitcoin and we end up being wrong about our future income and/lor our abilities to continue to pay for our expenses, then we may well end up running out of money and being forced to sell some or all of our bitcoin at a time that was not of our choosing.. so surely we would not want those results, yet each of us has to figure out the extent to which our discretionary funds are sufficient to buy bitcoin based on our own calculations of our future income and/or future expenses.

What matters in DCA strategy is consistency.

You do not need to be consistent in order to employ DCA.  Each person who is DCAing can choose their level of aggressiveness/whimpiness and/or their level of consistency in their bitcoin buys or not...and buy bitcoin when funds are available or choose not to buy bitcoin, even though funds are available to buy bitcoin.  They do not necessarily fall out of DCAing merely because they are aggressive or whimpy or they are consistent or inconsistent... Sure they may be better off (and perform better in their bitcoin investment) to be aggressive and to be consistent, but that still is their choice.

[Ruttoshi]

Turning bonus money into discretionary funds is certainly possible, as it's essentially idle cash, meaning it won't be allocated to anything. So, broadly speaking, it can also be considered discretionary funds. Therefore, if you have a bonus from your job and invest it in Bitcoin, I think that's quite good. However, if your emergency fund isn't large enough or doesn't cover six months of living expenses, it's fine to put the bonus money into it as well. However, if your emergency fund is already substantial, I think investing it in Bitcoin is clearly better. This will help you grow your Bitcoin portfolio and achieve your Bitcoin accumulation goals more quickly. So, the bottom line is that investing in Bitcoin is better if you have sufficient emergency funds. But ultimately, it's up to each individual, as we all have different plans, right?

Of course bonus money is a discretionary income and can be used to invest in bitcoin right away by lump sum or you can use part of it to lump sum. It depends on how you want it. However, I think that three months of your emergency funds is enough no need to stretching it to six months because it can take more than a year or more for an investor with low discretionary income to build his emergency funds of three months of his expenses.

You don't also need to hold on to many cash in the early part of your bitcoin investment by building your emergency funds to be six months of your monthly expenses because it will deprive you from building your bitcoin portfolio faster. After building your emergency funds of three months of your expenses, you can channel the money into building your reserve funds and after that use the money to DCA aggressively.

[Sulegzy39]

~snip

I totally disagree with you, I think before you start accumulating bitcoin, you should have a source of income. From my little experience I believe someone without a source of income cannot make any plans, I see it as just dreams rather than a plan.
Firstly you need a source of income for you to have emergency fund, discretionary funds etc. This things a planned,  so how will someone without a steady income make this plan when he is not sure of when he is getting the next money. You should be sure of the amount of money you are getting on a regular,  before you can make such plans. Just imagine someone without a steady source of income starts accumulating bitcoin and they have an emergency,  and they don't have enough in their emergency funds, don't you think they will definitely sell the bitcoin they have accumulated to solve the emergency. So I think steady source of income is very important,  before you start accumulating bitcoin.

Discretionary income doesn't only come from having a source of income.. Truth be told, folks can literally generate their discretionary income from varied sources... Discretionary income could come from gift/ or say bonuses you receive from friends/or family, you could as well get it from allowance you get maybe from your parent or so... And so when kickstarting your investment your priority should be on the availability of your discretionary income and not necessarily on having a source of income... The reason for this is that there could very well be times when folks may be having their discretionary income yet they are still unable to realize their discretionary income due to low income or irrelevant expenses...

A lot of people misunderstand the idea of discretionary income. It can come from different sources and doesn’t necessarily have to be tied to a steady income stream. While Having a steady source of income can support your investment in many ways It allows you to invest consistently and manage risks properly and also stay committed to your long term financial goals without unnecessary pressure but not having one shouldn’t stop you from getting started. What matters most is making use of whatever resources you have to start investing other than money needed for essential expenses and building the habit of investing consistently.

Not realizing discretionary income is mostly as a result of excessive spending and poor financial discipline where people are not able to differentiate between essential needs and wants and makes them to spend money on things that doesn't really matter. This is usually because of proper financial management and prioritization.

Many individuals misinterpret the concept of discretionary income. It can come from a variety of sources and is not always dependent on a consistent income stream. While having a stable source of income can help you invest more consistently, handle risks effectively, and stay dedicated to your long-term financial goals without undue pressure, not having one shouldn't prevent you from starting. What matters most is that you use whatever resources you have to begin investing other than money for critical costs and develop the habit of investing consistently.

[MissNonFall9]

When it comes to Bitcoin investment everything is mindset. It's not actually based on the amount most people put on investment but their mindset is the real deal there, without a disciplined mindset they will give up on Bitcoin investment because they focus on short term profits as they want to escape poverty asap, meanwhile becoming rich through Bitcoin investment is not a day thing mostly when someone is using DCA method to buy Bitcoin. Also buying Bitcoin aggressively doesn't guarantee a successful investment because without a proper mindset all effects will be in vain.

One point most new investors miss is they don't understand that experience builds confidence on investment. Many successful investors have learned a lot from investment because at the beginning they stated small with DCA method, so the more they buy and hold also the more they get exposed to Bitcoin investment. One thing that keeps people going forward and achieving their goal is the fact that they don't start big and rushing into something they don't know about. They start small and learn from evey mistakes they make and they do better next time (they dint give up). On a contrary, which most of them started big with all their money and they lose it, there's no way they could continue because they don't have any more capital.

Long term plan has more chances of success than a short term plan. The reason why long term plan has higher chances of success is because there's always UPs and DOWNs in the market, which gives short term plan a very slim chance of success. So when someone invest in Bitcoin for a short term they will definitely sell at loss one in no distant time.
It's better to be consistent on accumulating more Bitcoin and to focus more on long term plan so that if there's a dip they will not panic or sell at loss. Constant Bitcoin accumulation is the key to build a good Bitcoin portfolio.

The key to a successful person in anything is to work consistently and to have the mindset to do it consistently on a long term basis. For example- if someone wants to speak English fluently, he has to practice English consistently. If I want to express it through two people, let's say person-1 practices English for 30 minutes every day and no matter how hard the situation is, he continues his practice continuously. On the other hand, person-2 started practicing for 5 hours a day but after a week he stopped practicing. So if I go to evaluate their English skills after 6 months, who will I find as fluent in English? Of course person-1, right?

Similarly, if someone decides to invest in Bitcoin and if he thinks of continuing it little by little on a long term basis, he will be much more profitable than the person who invests a lot of money at once but cannot maintain his investment. Therefore, to be successful in investing in Bitcoin, one must consistently invest with a long term investment mindset using the DCA method because the DCA method helps in consistent investment. If a person can generate more of his discretionary income, then he can increase the amount of his investment.

[JayJuanGee]

[edited out]

Let's put it rather this way, to buy your first Bitcoin, you don't necessarily need a source of income, you can have discretionary income from previous savings or gifts that you can use to get started, but for the continuity of your investing into Bitcoin, you don't just need a source of income but you need to be sure of having discretionary funds from that source after taking care of your expenses.

Emergency funds is built from part of the discretionary income available to you, you can choose to divide your discretionary income into 3 parts, use one part for your emergency fund, one part for buying Bitcoin and the third part for your discretionary spending.

You are describing discretionary spending options incorrectly.  There are three categories in which discretionary funds can be used. 1) investing, 2) savings (that includes back up funds) 3) discretionary consumption. Everyone should attempt to account for these three categories, even if from week to week or month to month they might choose to allocate high or low to one or more of the categories.

[edited out] 

Positive mindset is quick and fast energising force required before getting involved in bitcoin investment that is why i believe bitcoin is a game for matured people and not for children.

You don't need positive mindset or to be organized or to be mature to start investing in bitcoin. Of course, if you are lacking in common sense, you might get yourself in trouble, yet guy can build their mindset as they go, they do not need a perfect mindset prior to getting started.

I frequently suggest that a lot of guys will get themselves into better psychological circumstances if they build and organize their finances, which in regards to this thread, we are talking about including bitcoin into it, and surely this thread allows for the discussion of trading, yet it seems quite problematic to be thinking about bitcoin as a trade rather than as an investment, and so I would imagine if guys are investing in bitcoin for 4-10 years or more, they can build systems to ongoingly buy bitcoin on a weekly basis (or whatever their interval) from their discretionary funds and to also put systems in place to strengthen and maintain their cashflow management practices, which includes building and maintaining suitable levels of back up funds (that can be built up at the same time as ongoingly buying bitcoin).

 

 In October 2025 bitcoin appreciated to approximately $126,200 and has dropped to approximately $ 68,200 as at 7 April  2026, which i see and believed is just a test of faith  and believe of investor because the bitcoin I know will get back to it strength and even to $200,000 when the time comes.
So i see this as a perfect time to make quality investment becomes this golden opportunity may not be hear is some days, weeks, or months to come.

You are pretty new here, Deegodstime.. You only have slightly more than a year registered on the forum. So have you been buying bitcoin the whole time?  or have you been waiting?  Surely guy who have been buying in the last couple of years, they may well not have their bitcoin holdings in the positive, yet they likely are still better off, as you seem to be suggesting, to be trying to ongoingly be buying bitcoin in our current prices... which yeah, there have been a bit more than a couple of months (since early February) that the BTC prices have been largely in the mid $60ks to lower $70ks.

Positive mindset is quick and fast energising force required before getting involved in bitcoin investment that is why i believe bitcoin is a game for matured people and not for children.  In October 2025 bitcoin appreciated to approximately $126,200 and has dropped to approximately $ 68,200 as at 7 April  2026, which i see and believed is just a test of faith  and believe of investor because the bitcoin I know will get back to it strength and even to $200,000 when the time comes.
So i see this as a perfect time to make quality investment becomes this golden opportunity may not be hear is some days, weeks, or months to come.

For me I think the only thing that is required before getting involved in bitcoin investment is the basic knowledge and also figuring out your discretionary income I believe positive mindset can come on the process of learning to get the basic knowledge about bitcoin investment, so it is not something you should learn differently before getting involved in bitcoin investment. and what age did you consider children and adults when it comes to bitcoin investment? For me I feel that bitcoin investment is not limited to some certain age so long as you have a source of income and you can manage the risk and your investment then you're free to invest regardless your age, you know age is just a number so what matters the most is mindset and how you respond to situations.

Age could be a factor on either end, and surely on the lower end, there can be issues of maturity with inabilities of some younger folks to recognize some areas that they need to develop and some cautions that they might need to take to make sure that they are not fucking up too much.. since they should have desires to build, yet sometimes they may end up getting lured into trading (gambling) and shitcoins, so they may  well need to figure out how to protet themselves from themselves and from others who might be attempting to exploit them in certain ways.. so it sometimes can be tough with kids, or younger people, and sometimes there are even guys in their early 20s or later who lack in self-discipline and/or maturity, yet I personally am not going to presume them to be lacking in common sense, even though they may well need to figure out ways to protect themselves and not come out too aggressively in their bitcoin investment while they are still getting used to the idea (and the practices) of investing.

Of course, there can be quite a bit of variance in young people in terms of their experiences and/or their cognitive abilities (and control over their emotions and/or hormones), so even if we might generalize that many young people might have challenges, there are some young folks who are more capable of responsible investing than others.

On the higher end, health and life timelines can start to become factors in terms of when they might need the money they are investing and considerations about if their investment timeline would be at least 4 years. It could be problematic for older people to be investing with money they need in less than 4 years.. so they have to calculate if their investment timeline is long enough (at least 4 years).

Positive mindset is quick and fast energising force required before getting involved in bitcoin investment that is why i believe bitcoin is a game for matured people and not for children.  In October 2025 bitcoin appreciated to approximately $126,200 and has dropped to approximately $ 68,200 as at 7 April  2026, which i see and believed is just a test of faith  and believe of investor because the bitcoin I know will get back to it strength and even to $200,000 when the time comes.

I disagree with you on the point that Bitcoin is only for mature people.. Bitcoin is for everyone, even 10 year olds can invest their money regularly in Bitcoin. if they get a good understanding of Bitcoin from their parents, and treat it like saving in a piggy bank, then they can invest in Bitcoin and not be affected by short-term noise. especially children today are smarter, they can be guided more easily to be able to invest their money in Bitcoin and focus on doing it like saving their money and do it for the long term.

10 years old is pretty young, even though, sure, you are proclaiming that such 10 year old is being guided by a responsible adult.  We cannot presume that all kids are getting helped from a responsible adult, when we are considering their abilities to invest in bitcoin and/or engage in meaningful cashflow management. As I mentioned above, there may also be guys in their 20s who are struggling to control their emotions and/or to make sure that they are not getting into bitcoin too much too quick and then end up gambling (and/or over doing it) rather than making sure that they are deploying reasonably sound cashflow management and bitcoin investment practices, whether they are buying bitcoin weekly or on some other periodic basis.

By the way, frequently I hear young people proclaim that they can afford to take more risks and/or even to lose money based on their being young and being able to start over if they screw up or if they lose all of their money. 

Sure, there is some truth that young people likely have advantages with regards to the time element, so there is some truth that they are able to take some additional risks and to be able to make up for mistakes that end up being made, yet at the same time, there are likely prudent limits that would be better to be followed and sometimes young folks might end up going overboard in their failure/refusal to build strong finances and/or their failure/refusal to build good habit that would likely be more beneficial for them in creating and maintaining strong foundations in their thinking, in their practices and in the financial systems (and bitcoin portfolio) that they end up building.

[edited out]

However, whether a person is rich or poor, they always have to find multiple sources of income and change the place where they are not getting success by working hard and think of something new, only then it is possible to reach the highest level of success.

Sounds like you are just making shit up.

Not everyone needs more than one source of income in order to generate discretionary income that is sufficiently large enough to buy bitcoin.  There is variance in the kinds of income sources that folks might have and what kinds of work (if any) they might have to do in order to receive such income.  Sometimes poor people might be in a better position to learn other skills and/or make other connections rather than increasing their working in mediocre and/or poorly paid jobs with little to no opportunity for promotion or to be able to develop skills that can be used in higher level (higher paid) positions.

Of course, there are likely guys who have limited skills and experiences, and they may well even be at an age that it does not seem practical to try to retrain (or train), so surely guys have to work with what they got, yet at the same time, not all guys have to get multiple jobs in order to have a sufficient enough quantity of discretionary funds to ongoingly buy bitcoin and to build up back up funds.

[edited out]

Turning bonus money into discretionary funds is certainly possible, as it's essentially idle cash, meaning it won't be allocated to anything. So, broadly speaking, it can also be considered discretionary funds. Therefore, if you have a bonus from your job and invest it in Bitcoin, I think that's quite good. However, if your emergency fund isn't large enough or doesn't cover six months of living expenses, it's fine to put the bonus money into it as well.

You keep talking about having large amounts of back up funds, such as 6 months of expenses, which surely is likely to keep poor people poor, since they are going to have all of their savings and investments in cash and continue to have fun staying poor forever, and ever and ever.

Even well-to-do people would be quite challenged to build up 6 months of their expenses  in cash.  It seems impractical and maybe even retarded to be keeping so much money in cash.

Think about a person who might be starting to invest into bitcoin and building up his back up funds at the same time... Let's say that he is starting with zero or close to zero back up funds, so he is investing and saving into back up funds with 10% of his income - that would mean 5% into each.  After 10 years of consistent investing/savings he would get his back up funds up to 6 months of his income and he would have had put 6 months of his income into bitcoin too... .Now if the value of the cash/or the investment went up or went down will also determine how much the value is in each.

If you really think through such an example, you might realize how retarded it would be to be either treating back up funds (cash) as equals or giving priority to backup funds/cash rather than attempting to be more practical, which also might well mean to give emphasis to the amount put into bitcoin rather than the back up funds.

In the end, guys can do what they like, including retarded things that seem to be overly emphasizing the importance of cash.

However, if your emergency fund is already substantial, I think investing it in Bitcoin is clearly better.

It could be possible that guys come to bitcoin (as no coiners who have absolutely no bitcoin), and they already have something between 3 months and 6 months in cash, cash equivalents or even cash related investments, and in that case they may well want to consider systems in which they reallocate a lot of that excessive cash or cash-related value into bitcoin and then to build back up their back up funds.

Even though guys can do what they like, for many normal people who would like to get ahead (rather than continuing to have fun staying poor) there remains little to no reason to be excessively allocated to cash and/or cash equivalents, even if those cash equivalents might have had been designated as back up funds (and/or emergency funds).... The guy ends up having way too much in cash.

This will help you grow your Bitcoin portfolio and achieve your Bitcoin accumulation goals more quickly.

You will be even more quick, if you reallocate some of that excessive cash into bitcoin, and sure you could spend 3-6 months or more to reallocate into bitcoin (in a DCA kind of a way), and it does not necessarily need to be reallocated into bitcoin as a lump sum, even though surely whenever funds are available guys have options to choose between DCA, lump sum and/or buying dips.. so there could be ways that the guys considers all three of those categories of buying bitcoin and/or reallocating some of that seemingly excessive cash into bitcoin.

So, the bottom line is that investing in Bitcoin is better if you have sufficient emergency funds. But ultimately, it's up to each individual, as we all have different plans, right?

Ovrely emphasis on back up funds and holding a bunch of cash (whether you call them emergency funds or something else) is problematic, even if you come to bitcoin already in such a problematic state... and yeah, each guy chooses his allocation, even if he is starting from a kind of dumb place.

By the way, in the past year-ish, I had a no-coiner friend who I was talking with about bitcoin.  I was presuming that he owned his home, yet after I spent quite a bit of time talking with him about bitcoin, I found out that he had sold his house around 6 years ago (around the Covid time), and he put his money into cash and cash equivalents. I was not able to continue to talk with him about bitcoin after I found out how retarded, lost and out of touch he was... even though I told him that he had done the dumbest thing that he could do with his money by putting all his money from the house value into cash.. .. he was earning something like 3-5% on the cash (some kind of a bond).. but still ridiculous choice to put such money into cash equivalents (even if he was earning interest).

[The Founding Titan]

Many individuals misinterpret the concept of discretionary income. It can come from a variety of sources and is not always dependent on a consistent income stream. While having a stable source of income can help you invest more consistently, handle risks effectively, and stay dedicated to your long-term financial goals without undue pressure, not having one shouldn't prevent you from starting. What matters most is that you use whatever resources you have to begin investing other than money for critical costs and develop the habit of investing consistently.

Yes We don't necessarily need to have a stable source of income to be able to generate discretionary income, people need to stop making it look like that's the case, you could always sell some old property that you are no longer using to get extra discretionary income, you can get discretionary income from what's left from a contract you had, it can also come from a stable source of income but it's not limited to it.
I do disagree that we should use whatever resource we have to begin investing in bitcoin, there are people who are actually unable to generate discretionary income yet and there is no way you can expect them to invest with whatever they have, they are probably using what the have to survive from day to day, if they invested in Bitcoin then they would not be able to eat and that's ultimately going to make them regret investing in bitcoin, anyone who is unable to generate discretionary income should make sure to work on being able to generate discretionary income first before they can start investing in bitcoin.

[Bluedrem]

The phrase that Bitcoin is for everyone is not arguable but I will prefer saying Bitcoin is for those that want to be part of it, as we have always said, no one should be forced or pressured or persuaded to invest in Bitcoin, I also think you are right that the early age someone starts, the best for the persons but starting early does not mean that the person will continue to acumulate, if we look around the world today there is no way we will not see some persons that started investing in Bitcoin early that could not continue their acumulation, I think Bitcoin investment is more of determination, I mean someone setting a goal and making sure that he does not deviate from achieving that goal, starting at a younger is very fantastic but I will also have to say that even though you start at your adult age, what counts is how consistent and committed you are in achieving your course.

Now, people may be able to keep a small amount of Bitcoin if they want, but there will come a time when people will be sitting with the desire to buy Bitcoin with fiat currency but in reality they will not be able to buy Bitcoin. One of the reasons for this is that the supply of Bitcoin is limited and Bitcoin is already included in strong holdings, meaning people are thinking of buying Bitcoin and holding it for the long term. In that case, imagine what it would be like if 50 percent of the world's population of over 8 billion people were aware of Bitcoin and expressed their desire to buy Bitcoin?
We cannot even imagine what is going to happen with Bitcoin in the future. Maybe not buying now will be our biggest regret later.

[Shineup]

Turning bonus money into discretionary funds is certainly possible, as it's essentially idle cash, meaning it won't be allocated to anything. So, broadly speaking, it can also be considered discretionary funds. Therefore, if you have a bonus from your job and invest it in Bitcoin, I think that's quite good. However, if your emergency fund isn't large enough or doesn't cover six months of living expenses, it's fine to put the bonus money into it as well. However, if your emergency fund is already substantial, I think investing it in Bitcoin is clearly better. This will help you grow your Bitcoin portfolio and achieve your Bitcoin accumulation goals more quickly. So, the bottom line is that investing in Bitcoin is better if you have sufficient emergency funds. But ultimately, it's up to each individual, as we all have different plans, right?

Of course bonus money is a discretionary income and can be used to invest in bitcoin right away by lump sum or you can use part of it to lump sum. It depends on how you want it. However, I think that three months of your emergency funds is enough no need to stretching it to six months because it can take more than a year or more for an investor with low discretionary income to build his emergency funds of three months of his expenses.

You don't also need to hold on to many cash in the early part of your bitcoin investment by building your emergency funds to be six months of your monthly expenses because it will deprive you from building your bitcoin portfolio faster. After building your emergency funds of three months of your expenses, you can channel the money into building your reserve funds and after that use the money to DCA aggressively.

Considering bonus money to be called discretionary income should depend on individual circumstances and by the virtue of what discretionary income is, from this regard not all bonus money will be discretionary income because to some people at the point they received the bonus money they might have other needs important to them to cover up based on their present condition, at that point the bonus money doesn't fit in to be called a discretionary income and to others this might entirely be different story depending on what have in hand when the bonus money came in. I can receive a bonus money and will not see it as a discretionary income because of what I may plan or want do with the money, not all bonus money are discretionary income, the point am trying to make.

[Shadiq]

Now, people may be able to keep a small amount of Bitcoin if they want, but there will come a time when people will be sitting with the desire to buy Bitcoin with fiat currency but in reality they will not be able to buy Bitcoin. One of the reasons for this is that the supply of Bitcoin is limited and Bitcoin is already included in strong holdings, meaning people are thinking of buying Bitcoin and holding it for the long term. In that case, imagine what it would be like if 50 percent of the world's population of over 8 billion people were aware of Bitcoin and expressed their desire to buy Bitcoin?
We cannot even imagine what is going to happen with Bitcoin in the future. Maybe not buying now will be our biggest regret later.

The time you mentioned may not be coming soon or we may not be able to see that time in our lifetime. Maybe the next generation will witness this time.

Bitcoin can be purchased in very small amounts. Currently, the price of 1 Satoshi (assuming a price of $70k) is only $0.07 which is very cheap. When the price increases a lot, investors may buy only a few Satoshis. The bottom line is, we will have to wait a long time for Satoshi to go beyond our purchasing power. Since the supply of Bitcoin is still available in the market, Bitcoin is not going beyond our purchasing power right now.

However, we should not delay investing. The demand for Bitcoin in the global market is increasing regularly and the number of investors is also increasing significantly. So if you want to get the maximum benefits from Bitcoin, you should start investing very soon.

[GeorgeJohn]

<...>

Yes We don't necessarily need to have a stable source of income to be able to generate discretionary income, people need to stop making it look like that's the case, you could always sell some old property that you are no longer using to get extra discretionary income,

What do you understand by a discretionary income?...discretionary income is not something that you will sell your property to get..it's an already income you have, that will make you to live a luxury life or any life that you want...

[Rockson1]

Yes We don't necessarily need to have a stable source of income to be able to generate discretionary income, people need to stop making it look like that's the case, you could always sell some old property that you are no longer using to get extra discretionary income, you can get discretionary income from what's left from a contract you had, it can also come from a stable source of income but it's not limited to it.
I do disagree that we should use whatever resource we have to begin investing in bitcoin, there are people who are actually unable to generate discretionary income yet and there is no way you can expect them to invest with whatever they have, they are probably using what the have to survive from day to day, if they invested in Bitcoin then they would not be able to eat and that's ultimately going to make them regret investing in bitcoin, anyone who is unable to generate discretionary income should make sure to work on being able to generate discretionary income first before they can start investing in bitcoin.

Dude this is the problem you face teaching when you're supposed to learn, it is obvious that you are confusing yourself on what it's really meant by discreationary income, first of, you need to know what discreationary income is before you start lecturing people, discreationary income is the left over fund after you are done attending to those unavoidable needs of yours, I called them unavoidable because your house bill, food and other things are actually very important that is why they are called unavoidable needs or essential needs, if you decide to sell off your old  property although it depends on the property but if you look at it very well you are no longer figuring out discreationary income, it will be better if you call it lump sum.

The way you are sounding, any person that knows nothing about discreationary income will get confused, yes of course we can invest with what we have, it means do not go beyond your means, in the other way round it also means invest with your discreationary income it could be as low as $1,  you do not need to advise anyone about Bitcoin investment at this stage because it is early for that, although I do not blame you because you are new but I will advice you to keep learning, what are you saying? we should have a source of income and figure out our discreationary income from that source, get that point please.

[Jewan420]

The pointer is that at the end they both be doing DCA which is of no difference except for the amount and time intervals (weekly or monthly) that they individually would be using for their DCA. Otherwise the strategy for DCA is relatively same with whatever size of discretionary income they have to allocate. Bitcoin investment is no competition as each guy can be accumulating the little SATs they can consistently keep up with in a long timeframe of about 4-8 years to get a huge returns.

If an investor can continue his investment with consistency and discipline using the DCA strategy, then he will be able to build a portfolio very easily. If an investor invests patiently for 4-10 years through the DCA strategy, then he will be able to accumulate a lot of SAT in these 10 years. If they are able to survive in the market, then they will have a sustainable investment and if the market price increases, they will be able to earn a huge amount of profit.

No matter how much money they invest from discretionary income, they will not suffer any loss, rather they will be able to build a worry-free investment, where they do not have to calculate the loss sum. If there is a stable income, it will not be difficult to get discretionary income. They will be able to earn more profit from this discretionary income.

An investor should always be patient and survive in the market. The human condition should be such that he will not break in any storm and if he falls, he will rise again. He will continue his investment through the DCA strategy and earning profit will be the foundation of his investment

[red4slash]

I know that investing in Bitcoin does not require much knowledge or being an expert in the subject, but if we are not financially stable or do not have a clear idea about our spending, savings and risk taking ability then investing will become a risky business for us. Please forgive me if my words are wrong.

It is good to try to learn as you go, so if you are poor and you don't know very much, then probably you would invest smaller amounts and learn as you go... If you are not ready, willing or able to learn, then maybe you should not invest in bitcoin.

True, this is the best thing to do because at least by starting (even in small amounts) we can motivate ourselves more especially in this case starting early while learning we can become more experienced and not only focus on theory because for investing although learning is good but still experience also determines.

For the point of readiness is also something that must be considered here, because in the end when we have decided then inevitably we must be responsible for the decision in the sense that for the context of investing in bitcoin then we must be prepared with everything including the risks.
We know risk is an inseparable part of bitcoin and we can't separate that.
If indeed the initial intention is only half then it will be very difficult to develop yourself even with learning because when investing in bitcoin seriousness from the start is important.

[Bigjoe33]

Positive mindset is quick and fast energising force required before getting involved in bitcoin investment that is why i believe bitcoin is a game for matured people and not for children.  In October 2025 bitcoin appreciated to approximately $126,200 and has dropped to approximately $ 68,200 as at 7 April  2026, which i see and believed is just a test of faith  and believe of investor because the bitcoin I know will get back to it strength and even to $200,000 when the time comes.

I disagree with you on the point that Bitcoin is only for mature people.. Bitcoin is for everyone, even 10 year olds can invest their money regularly in Bitcoin. if they get a good understanding of Bitcoin from their parents, and treat it like saving in a piggy bank, then they can invest in Bitcoin and not be affected by short-term noise. especially children today are smarter, they can be guided more easily to be able to invest their money in Bitcoin and focus on doing it like saving their money and do it for the long term.

I think what he meant that Bitcoin is meant for matured people is that only people who have mind kind invest in Bitcoin since you can wake up today is see the price at the top, and in few moments without expectations, it falls deeply.

Off course, some poeple who do not believe in Bitcoin would sell in haste and out of fear when the price declines, of which, if they has looked at the history of Bitcoin and looking at the price presently, they would know that it's has surely proven a store of value and that little price changes shouldn't be a reason why they should panic or sell out of fear, but the best to do is to keep on accumulating and also HODL, since it rewards consistency and long time HODLing.

But then again, how did they accumulate? Did they accumulate with the right income or funds, where they not aggressive with greed, like using there main income or emergency funds to accumulate Bitcoin? Because if they did, they will never escape the panic and pressure from decline moments and also sell unplanned assets. That's why it is always advisable that investors just buy within there means, just form there discretionary income and also building there emergency funds and other back up funds as they keep accumulating

[Crytohillss]

[edited out]

Let's put it rather this way, to buy your first Bitcoin, you don't necessarily need a source of income, you can have discretionary income from previous savings or gifts that you can use to get started, but for the continuity of your investing into Bitcoin, you don't just need a source of income but you need to be sure of having discretionary funds from that source after taking care of your expenses.

Emergency funds is built from part of the discretionary income available to you, you can choose to divide your discretionary income into 3 parts, use one part for your emergency fund, one part for buying Bitcoin and the third part for your discretionary spending.

You are describing discretionary spending options incorrectly.  There are three categories in which discretionary funds can be used. 1) investing, 2) savings (that includes back up funds) 3) discretionary consumption. Everyone should attempt to account for these three categories, even if from week to week or month to month they might choose to allocate high or low to one or more of the categories.

[edited out]

Positive mindset is quick and fast energising force required before getting involved in bitcoin investment that is why i believe bitcoin is a game for matured people and not for children.

You don't need positive mindset or to be organized or to be mature to start investing in bitcoin. Of course, if you are lacking in common sense, you might get yourself in trouble, yet guy can build their mindset as they go, they do not need a perfect mindset prior to getting started.

I frequently suggest that a lot of guys will get themselves into better psychological circumstances if they build and organize their finances, which in regards to this thread, we are talking about including bitcoin into it, and surely this thread allows for the discussion of trading, yet it seems quite problematic to be thinking about bitcoin as a trade rather than as an investment, and so I would imagine if guys are investing in bitcoin for 4-10 years or more, they can build systems to ongoingly buy bitcoin on a weekly basis (or whatever their interval) from their discretionary funds and to also put systems in place to strengthen and maintain their cashflow management practices, which includes building and maintaining suitable levels of back up funds (that can be built up at the same time as ongoingly buying bitcoin).

 

In October 2025 bitcoin appreciated to approximately $126,200 and has dropped to approximately $ 68,200 as at 7 April  2026, which i see and believed is just a test of faith  and believe of investor because the bitcoin I know will get back to it strength and even to $200,000 when the time comes.
So i see this as a perfect time to make quality investment becomes this golden opportunity may not be hear is some days, weeks, or months to come.

You are pretty new here, Deegodstime.. You only have slightly more than a year registered on the forum. So have you been buying bitcoin the whole time?  or have you been waiting?  Surely guy who have been buying in the last couple of years, they may well not have their bitcoin holdings in the positive, yet they likely are still better off, as you seem to be suggesting, to be trying to ongoingly be buying bitcoin in our current prices... which yeah, there have been a bit more than a couple of months (since early February) that the BTC prices have been largely in the mid $60ks to lower $70ks.

Positive mindset is quick and fast energising force required before getting involved in bitcoin investment that is why i believe bitcoin is a game for matured people and not for children.  In October 2025 bitcoin appreciated to approximately $126,200 and has dropped to approximately $ 68,200 as at 7 April  2026, which i see and believed is just a test of faith  and believe of investor because the bitcoin I know will get back to it strength and even to $200,000 when the time comes.
So i see this as a perfect time to make quality investment becomes this golden opportunity may not be hear is some days, weeks, or months to come.

For me I think the only thing that is required before getting involved in bitcoin investment is the basic knowledge and also figuring out your discretionary income I believe positive mindset can come on the process of learning to get the basic knowledge about bitcoin investment, so it is not something you should learn differently before getting involved in bitcoin investment. and what age did you consider children and adults when it comes to bitcoin investment? For me I feel that bitcoin investment is not limited to some certain age so long as you have a source of income and you can manage the risk and your investment then you're free to invest regardless your age, you know age is just a number so what matters the most is mindset and how you respond to situations.

Age could be a factor on either end, and surely on the lower end, there can be issues of maturity with inabilities of some younger folks to recognize some areas that they need to develop and some cautions that they might need to take to make sure that they are not fucking up too much.. since they should have desires to build, yet sometimes they may end up getting lured into trading (gambling) and shitcoins, so they may  well need to figure out how to protet themselves from themselves and from others who might be attempting to exploit them in certain ways.. so it sometimes can be tough with kids, or younger people, and sometimes there are even guys in their early 20s or later who lack in self-discipline and/or maturity, yet I personally am not going to presume them to be lacking in common sense, even though they may well need to figure out ways to protect themselves and not come out too aggressively in their bitcoin investment while they are still getting used to the idea (and the practices) of investing.

Of course, there can be quite a bit of variance in young people in terms of their experiences and/or their cognitive abilities (and control over their emotions and/or hormones), so even if we might generalize that many young people might have challenges, there are some young folks who are more capable of responsible investing than others.

On the higher end, health and life timelines can start to become factors in terms of when they might need the money they are investing and considerations about if their investment timeline would be at least 4 years. It could be problematic for older people to be investing with money they need in less than 4 years.. so they have to calculate if their investment timeline is long enough (at least 4 years).

Positive mindset is quick and fast energising force required before getting involved in bitcoin investment that is why i believe bitcoin is a game for matured people and not for children.  In October 2025 bitcoin appreciated to approximately $126,200 and has dropped to approximately $ 68,200 as at 7 April  2026, which i see and believed is just a test of faith  and believe of investor because the bitcoin I know will get back to it strength and even to $200,000 when the time comes.

I disagree with you on the point that Bitcoin is only for mature people.. Bitcoin is for everyone, even 10 year olds can invest their money regularly in Bitcoin. if they get a good understanding of Bitcoin from their parents, and treat it like saving in a piggy bank, then they can invest in Bitcoin and not be affected by short-term noise. especially children today are smarter, they can be guided more easily to be able to invest their money in Bitcoin and focus on doing it like saving their money and do it for the long term.

10 years old is pretty young, even though, sure, you are proclaiming that such 10 year old is being guided by a responsible adult.  We cannot presume that all kids are getting helped from a responsible adult, when we are considering their abilities to invest in bitcoin and/or engage in meaningful cashflow management. As I mentioned above, there may also be guys in their 20s who are struggling to control their emotions and/or to make sure that they are not getting into bitcoin too much too quick and then end up gambling (and/or over doing it) rather than making sure that they are deploying reasonably sound cashflow management and bitcoin investment practices, whether they are buying bitcoin weekly or on some other periodic basis.

By the way, frequently I hear young people proclaim that they can afford to take more risks and/or even to lose money based on their being young and being able to start over if they screw up or if they lose all of their money.  

Sure, there is some truth that young people likely have advantages with regards to the time element, so there is some truth that they are able to take some additional risks and to be able to make up for mistakes that end up being made, yet at the same time, there are likely prudent limits that would be better to be followed and sometimes young folks might end up going overboard in their failure/refusal to build strong finances and/or their failure/refusal to build good habit that would likely be more beneficial for them in creating and maintaining strong foundations in their thinking, in their practices and in the financial systems (and bitcoin portfolio) that they end up building.

[edited out]

However, whether a person is rich or poor, they always have to find multiple sources of income and change the place where they are not getting success by working hard and think of something new, only then it is possible to reach the highest level of success.

Sounds like you are just making shit up.

Not everyone needs more than one source of income in order to generate discretionary income that is sufficiently large enough to buy bitcoin.  There is variance in the kinds of income sources that folks might have and what kinds of work (if any) they might have to do in order to receive such income.  Sometimes poor people might be in a better position to learn other skills and/or make other connections rather than increasing their working in mediocre and/or poorly paid jobs with little to no opportunity for promotion or to be able to develop skills that can be used in higher level (higher paid) positions.

Of course, there are likely guys who have limited skills and experiences, and they may well even be at an age that it does not seem practical to try to retrain (or train), so surely guys have to work with what they got, yet at the same time, not all guys have to get multiple jobs in order to have a sufficient enough quantity of discretionary funds to ongoingly buy bitcoin and to build up back up funds.

[edited out]

Turning bonus money into discretionary funds is certainly possible, as it's essentially idle cash, meaning it won't be allocated to anything. So, broadly speaking, it can also be considered discretionary funds. Therefore, if you have a bonus from your job and invest it in Bitcoin, I think that's quite good. However, if your emergency fund isn't large enough or doesn't cover six months of living expenses, it's fine to put the bonus money into it as well.

You keep talking about having large amounts of back up funds, such as 6 months of expenses, which surely is likely to keep poor people poor, since they are going to have all of their savings and investments in cash and continue to have fun staying poor forever, and ever and ever.

Even well-to-do people would be quite challenged to build up 6 months of their expenses  in cash.  It seems impractical and maybe even retarded to be keeping so much money in cash.

Think about a person who might be starting to invest into bitcoin and building up his back up funds at the same time... Let's say that he is starting with zero or close to zero back up funds, so he is investing and saving into back up funds with 10% of his income - that would mean 5% into each.  After 10 years of consistent investing/savings he would get his back up funds up to 6 months of his income and he would have had put 6 months of his income into bitcoin too... .Now if the value of the cash/or the investment went up or went down will also determine how much the value is in each.

If you really think through such an example, you might realize how retarded it would be to be either treating back up funds (cash) as equals or giving priority to backup funds/cash rather than attempting to be more practical, which also might well mean to give emphasis to the amount put into bitcoin rather than the back up funds.

In the end, guys can do what they like, including retarded things that seem to be overly emphasizing the importance of cash.

However, if your emergency fund is already substantial, I think investing it in Bitcoin is clearly better.

It could be possible that guys come to bitcoin (as no coiners who have absolutely no bitcoin), and they already have something between 3 months and 6 months in cash, cash equivalents or even cash related investments, and in that case they may well want to consider systems in which they reallocate a lot of that excessive cash or cash-related value into bitcoin and then to build back up their back up funds.

Even though guys can do what they like, for many normal people who would like to get ahead (rather than continuing to have fun staying poor) there remains little to no reason to be excessively allocated to cash and/or cash equivalents, even if those cash equivalents might have had been designated as back up funds (and/or emergency funds).... The guy ends up having way too much in cash.

This will help you grow your Bitcoin portfolio and achieve your Bitcoin accumulation goals more quickly.

You will be even more quick, if you reallocate some of that excessive cash into bitcoin, and sure you could spend 3-6 months or more to reallocate into bitcoin (in a DCA kind of a way), and it does not necessarily need to be reallocated into bitcoin as a lump sum, even though surely whenever funds are available guys have options to choose between DCA, lump sum and/or buying dips.. so there could be ways that the guys considers all three of those categories of buying bitcoin and/or reallocating some of that seemingly excessive cash into bitcoin.

So, the bottom line is that investing in Bitcoin is better if you have sufficient emergency funds. But ultimately, it's up to each individual, as we all have different plans, right?

Ovrely emphasis on back up funds and holding a bunch of cash (whether you call them emergency funds or something else) is problematic, even if you come to bitcoin already in such a problematic state... and yeah, each guy chooses his allocation, even if he is starting from a kind of dumb place.

By the way, in the past year-ish, I had a no-coiner friend who I was talking with about bitcoin.  I was presuming that he owned his home, yet after I spent quite a bit of time talking with him about bitcoin, I found out that he had sold his house around 6 years ago (around the Covid time), and he put his money into cash and cash equivalents. I was not able to continue to talk with him about bitcoin after I found out how retarded, lost and out of touch he was... even though I told him that he had done the dumbest thing that he could do with his money by putting all his money from the house value into cash.. .. he was earning something like 3-5% on the cash (some kind of a bond).. but still ridiculous choice to put such money into cash equivalents (even if he was earning interest).

But I think the real issue here is that you don't need to have as much as before One can figured out  when to start investing on Bitcoin investment,  people just need to start with some level of awareness Bitcoin will always expose some habits. The opinion of treating it as a long term investment instead of a quick trade makes a lot sense too. System like steady buying and managing cash flow are not about being perfect they there just to reduce some mistakes while you learn.

[Charcol]

Positive mindset is quick and fast energising force required before getting involved in bitcoin investment that is why i believe bitcoin is a game for matured people and not for children.  In October 2025 bitcoin appreciated to approximately $126,200 and has dropped to approximately $ 68,200 as at 7 April  2026, which i see and believed is just a test of faith  and believe of investor because the bitcoin I know will get back to it strength and even to $200,000 when the time comes.

I disagree with you on the point that Bitcoin is only for mature people.. Bitcoin is for everyone, even 10 year olds can invest their money regularly in Bitcoin. if they get a good understanding of Bitcoin from their parents, and treat it like saving in a piggy bank, then they can invest in Bitcoin and not be affected by short-term noise. especially children today are smarter, they can be guided more easily to be able to invest their money in Bitcoin and focus on doing it like saving their money and do it for the long term.

But then again, how did they accumulate? Did they accumulate with the right income or funds, where they not aggressive with greed, like using there main income or emergency funds to accumulate Bitcoin? Because if they did, they will never escape the panic and pressure from decline moments and also sell unplanned assets. That's why it is always advisable that investors just buy within there means, just form there discretionary income and also building there emergency funds and other back up funds as they keep accumulating

You are right that they may have used their main income or emergency fund out of greed. But there is another thing with greed, which is the wrong calculation of risk. Many people calculate that buying DIP will bring profit, then they mentally consider the emergency fund as investable capital. But they do not calculate that the money they are investing is actually not such that they can tolerate loss. This is also one of the reasons why when the market drops, they do not price, but react to their own financial condition. And then they panic sell.