Balancing Financial security and Bitcoin Accumulation

[Silikiem]

selling bitcoin as a no coiner is a bad idea and such a person is not supposed to be called an investor but rather traders. It is obvious they are into bitcoin for short term profit.A no coiner is supposed to focus on continuous buying of bitcoin in other to be able to have a good portfolio in bitcoin. Yes the only time an investor is supposed to think of selling should be when they have reached there investment timeline and they have buy a reasonable amount then they can decide to be taking profit from there investment.

It seems like you don't even understand the term " No coiner" and if you wishes to know, a no coiner is someone that has no stash of Bitcoin, which means he has nothing to sell if he wishes to, or are you trying to talk about a low coiner?

If you are talking of a low coiner, then it would have been understandable because a low coiner is still far behind in his accumulation or no where near where he wishes to be in his accumulation journey, because the fraction of Bitcoin they are accumulating consistently are just too small,  so selling part of it would be a significant step backward for him that is trying to acquire a good stash of Bitcoin in his own the longer run, and it's never advisable to even think of that during that period, not until you have gotten to that over accumulation status.

You’re right, a no coiner have no bitcoin investment or holdings at all and at such the person can’t sell what he or she doesn’t have in their disposal. But a low coiner being referred to as someone who actually have a bitcoin holding but with a very small portfolio in his disposal. That means the person doesn’t have a strong bitcoin portfolio to enable him sell or take profit without getting to fall off or messing up his investment, and at such the individual should focus more on trying to build a very solid portfolio before thinking of taking profits or selling parts of his bitcoin investment. So In order not to mess up with our investment a low coiner who doesn’t have a strong portfolio, it’s advisable not to sell but instead focus on building a strong portfolio first

[Barrykbest]

True, beginners often lose focus by watching prices too often, but taking profit doesn’t always mean someone isn’t a serious investor. Long-term holders can also have clear exit points  for example, selling small portions at milestones or when prices hit a certain percentage gain. That’s part of managing risk and staying balanced financially.
DCA is great for building your stack, but profit-taking helps to secure the value of what you’ve built especially when it aligns with your long term plan. The problem isn’t selling; it’s selling out of panic or greed. A structured sell plan is still part of smart investing.

Selling some part of your Bitcoin holdings or taking profit is never a problem if you have gotten to the end of your accumulation stage or gotten to that over accumulation status, where it's makes no sense in selling and taking profit is by selling prematurely when you are still in your accumulation stage or when you have not gotten to the end of your investment journey, that's where selling and taking profit is incredible bad for the growth of your investment, because by doing so it may kills your desire to accumulate even more, and buy selling and tasting profit, you may likely sell everything and become a no coiner overnight, which is incredibly wrong. So it's not a good idea to even sell when you have not gotten to the end of your accumulation journey.

Selling when you are suppose to be buying is gambling because it's short term and you have also not reach your accumulation stage that's selling premature which is wrong. Investors can sell and take little profit from there BTC investment when they have arrived at the over accumulation status. Selling premature distracts you not to hold some BTC mostly when you are seeing small profit from it, the profits we get when we have been buying for long and hodl for 4-10 before we start selling small part of it can't be compare with when we just sell for short term gain.

Sometimes taking small profits isn’t “gambling” it’s smart management, especially if it prevents someone from selling in panic later when they’re broke, build your emergency fund first, then keep your Bitcoin investment separate.
That way I think you can hold with peace of mind and still have the freedom to take partial profits later without hurting your long-term plan.

Even though it can be problematic to sell much of your BTC while you are still acculating BTC before you have reached overaccumulation status, guys might sometimes be tempted to sell some portion of their bitcoin during BIG price rises, and maybe even just continue to buy, even though maybe they had sold a good chunk of their stash.

Guys have to weight the pluses and minuses in regards to such an approach where they may well end up selling from one hand and buying with the other hand... since there continues to be a recommendation to continue to build your bitcoin holdings, and you are running risks if you sell some coins with expectations of either buying back cheaper or expectations to continue to build the bitcoin stash size.

Le's say a person with a $30k income had been accumulating bitcoin at about $100 per week (which is 17% of their income) for more than 5 years, so maybe they had invested right around $26k into bitcoin over the past 5-ish years, and they had accumulated close to 0.7 BTC.  They are considering that they want to get to a sustainable withdrawal amount  of $80k per year, and right now that is right around 14.4477 BTC, yet they estimate that they will ONlY need around less than 2 BTC 10 years from now to be able to sustainably provide a sustainable withdrawal amount of $80k per year.

So yeah, if right now, they decide to sell 0.1 BTC, they are going to be shaving into their totally accumulated BTC stash, and it may well take them a couple of years to buy back that 0.1 BTC that they had sold.  Each person has to answer for themselves in terms of if they might find better ways to satisfy their wants/needs/desires to take money out from their BTC stash and to potentially undermine their BTC stash size.

This is a very detailed and realistic breakdown, and I agree that every investor has to balance between selling small portions and maintaining the long-term accumulation goal. The challenge is always psychological and once someone starts selling early, it’s easy to lose momentum and delay reaching their over-accumulation stage.
Still, your example shows why flexibility matters. Life circumstances differ, and sometimes selling a small fraction doesn’t mean losing conviction; it can be a way to stay financially stable while continuing to DCA. As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.
To me bitcoin investment isn’t a rigid rulebook it’s a discipline built on patience, consistency, and awareness of when your financial situation allows action.

[Gost ms]

This is a very detailed and realistic breakdown, and I agree that every investor has to balance between selling small portions and maintaining the long-term accumulation goal. The challenge is always psychological and once someone starts selling early, it’s easy to lose momentum and delay reaching their over-accumulation stage.
Still, your example shows why flexibility matters. Life circumstances differ, and sometimes selling a small fraction doesn’t mean losing conviction; it can be a way to stay financially stable while continuing to DCA. As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.
To me bitcoin investment isn’t a rigid rulebook it’s a discipline built on patience, consistency, and awareness of when your financial situation allows action.

I don't understand what you mean by small portion. If you mean selling the small amount of money you bought and buying it again, then I can't completely agree with you. Because it will never be the right decision for an investor to sell the previously purchased Bitcoin and buy it again.

But yes, if we think of withdrawing some amount from the investment and enjoying it, then it can be done. For example, if a person's investment becomes equal to twice the amount of money he invested, in that case, if a person wants, he can withdraw some amount of money and enjoy it. But withdrawing the entire amount of money will never be the right decision. However, if a person does this and the continuity of his investment is lost, then it would be better for him to stay away from this method.

[liasbaa]

But for a begginer who Maybe came in into Bitcoin investment at a time when the price skyrockets above his entry point or price, I think it's better he focused in consistent buys and building of his portfolio since he is still in his accumulation periods rather than think of profit making at that time as it will confuse his buy and Hodl for long term plan.

When someone is still new and their entry is already above the current price, chasing profit too early will just scatters their whole mindset. At that stage, the best move for me is really just to keep stacking more and focus on building a solid position.

Trying to take profit when you are still in your accumulation phase only brings confusion and even panic.

Even if they are an entry level investor, if they are saving Bitcoin for a long term goal, they will not panic even during the price decline. Their goal is to continue DCA regardless of the long-term and price. Even if those new investors are not very experienced, the basic knowledge of Bitcoin gives them confidence and in the future there will be a shortage of supply compared to the demand for Bitcoin, which is easily predictable in structural analysis. The history of the current price decline of Bitcoin is not the first time, there have been many declines in the past and the winners are those investors who can continue DCA regularly while being persistent. Panicked investors show instability during price declines and cannot maintain their holdings carefully even during price increases.

[Joeboy]

Even though it can be problematic to sell much of your BTC while you are still acculating BTC before you have reached overaccumulation status, guys might sometimes be tempted to sell some portion of their bitcoin during BIG price rises, and maybe even just continue to buy, even though maybe they had sold a good chunk of their stash.

Guys have to weight the pluses and minuses in regards to such an approach where they may well end up selling from one hand and buying with the other hand... since there continues to be a recommendation to continue to build your bitcoin holdings, and you are running risks if you sell some coins with expectations of either buying back cheaper or expectations to continue to build the bitcoin stash size.

Le's say a person with a $30k income had been accumulating bitcoin at about $100 per week (which is 17% of their income) for more than 5 years, so maybe they had invested right around $26k into bitcoin over the past 5-ish years, and they had accumulated close to 0.7 BTC.  They are considering that they want to get to a sustainable withdrawal amount  of $80k per year, and right now that is right around 14.4477 BTC, yet they estimate that they will ONlY need around less than 2 BTC 10 years from now to be able to sustainably provide a sustainable withdrawal amount of $80k per year.

So yeah, if right now, they decide to sell 0.1 BTC, they are going to be shaving into their totally accumulated BTC stash, and it may well take them a couple of years to buy back that 0.1 BTC that they had sold.  Each person has to answer for themselves in terms of if they might find better ways to satisfy their wants/needs/desires to take money out from their BTC stash and to potentially undermine their BTC stash size.

That's it sir, and truth be told: every piece of Bitcoin matter alot when folks are still in their accumulating period. That is why when those short term profit chaser who are yet to reach their over accumulation stage, begins selling off their Bitcoin even if it just a fraction of it, it sets them back and slows them down in the long run especially in situations where they cannot even buy back what they sold. And yeah we are all aware that it is in Bitcoin's nature for it's price to appreciate better in  the long run. And if folks keeps selling at every given opportunity whatsoever, it may as well cost them even more to later buy back what they once accumulated at cheaper price if that even matter to them)..... This is why folks really need to think more about the value of a long term accumulation without selling until they get to their over accumulation stage , against the risk that comes with selling at various intervals.

[Merit.s]

But yes, if we think of withdrawing some amount from the investment and enjoying it, then it can be done. For example, if a person's investment becomes equal to twice the amount of money he invested, in that case, if a person wants, he can withdraw some amount of money and enjoy it. But withdrawing the entire amount of money will never be the right decision. However, if a person does this and the continuity of his investment is lost, then it would be better for him to stay away from this method.

I still see no reason to take some profits from your bitcoin investment because the amount is double what you invested. Do you mean that if I have invested $100 and my portfolio value $200, it's good for my to sell part of my bitcoin because of profits. You don't need to be in a rush of taking profit when you haven't reached your over accumulation stage because it will prevent you from reaching your bitcoin target at the right time.

You can still be tempted to continue taking little profit once in a while, before you know it, you will turn into a trader thinking that's the smart way to invest in a long term. You might end up selling too many bitcoin too soon and become a low coiner. It's good to stay away from any practice that will add a negative effect on your bitcoin portfolio value.

If you don't sell, it's still your bitcoin why in a hurry to enjoy from a premature investment. There are some old investors that when bitcoin price was at $125k, their portfolio was three times from what the invested but they didn't take any profit because they're aiming high in order to reach their bitcoin target.

[Sticky Bomb]

This is a very detailed and realistic breakdown, and I agree that every investor has to balance between selling small portions and maintaining the long-term accumulation goal. The challenge is always psychological and once someone starts selling early, it’s easy to lose momentum and delay reaching their over-accumulation stage.
Still, your example shows why flexibility matters. Life circumstances differ, and sometimes selling a small fraction doesn’t mean losing conviction; it can be a way to stay financially stable while continuing to DCA. As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.
To me bitcoin investment isn’t a rigid rulebook it’s a discipline built on patience, consistency, and awareness of when your financial situation allows action.

I don't understand what you mean by small portion. If you mean selling the small amount of money you bought and buying it again, then I can't completely agree with you. Because it will never be the right decision for an investor to sell the previously purchased Bitcoin and buy it again.

But yes, if we think of withdrawing some amount from the investment and enjoying it, then it can be done. For example, if a person's investment becomes equal to twice the amount of money he invested, in that case, if a person wants, he can withdraw some amount of money and enjoy it. But withdrawing the entire amount of money will never be the right decision. However, if a person does this and the continuity of his investment is lost, then it would be better for him to stay away from this method.

Taking profits from your investment portfolio before maturity isn't a good accumulation practice, if the investor has bought Bitcoin with his discretionary income and built out backup funds, then why is he taking the profits off his portfolio when he could use his reserve funds to satisfy the desires that is pushing him to take little profits from his portfolio?

Another bad things about this practice is that it's addictive and ASAP you start it, there's a higher possibility of continuing this bad habit and ruining your investment portfolio in the process by selling much BTC too soon which is always regretted in the future. I've seen people who used to have a good portfolio of Bitcoin in the past regret selling too soon seeing the performance of Bitcoin today and you may argue that you're only selling little but you're forming a bad attitude towards your holding which has the potentials of escalating and ruining your whole accumulation journey.

[JayJuanGee]

True, beginners often lose focus by watching prices too often, but taking profit doesn’t always mean someone isn’t a serious investor. Long-term holders can also have clear exit points  for example, selling small portions at milestones or when prices hit a certain percentage gain. That’s part of managing risk and staying balanced financially.
DCA is great for building your stack, but profit-taking helps to secure the value of what you’ve built especially when it aligns with your long term plan. The problem isn’t selling; it’s selling out of panic or greed. A structured sell plan is still part of smart investing.

Selling some part of your Bitcoin holdings or taking profit is never a problem if you have gotten to the end of your accumulation stage or gotten to that over accumulation status, where it's makes no sense in selling and taking profit is by selling prematurely when you are still in your accumulation stage or when you have not gotten to the end of your investment journey, that's where selling and taking profit is incredible bad for the growth of your investment, because by doing so it may kills your desire to accumulate even more, and buy selling and tasting profit, you may likely sell everything and become a no coiner overnight, which is incredibly wrong. So it's not a good idea to even sell when you have not gotten to the end of your accumulation journey.

Selling when you are suppose to be buying is gambling because it's short term and you have also not reach your accumulation stage that's selling premature which is wrong. Investors can sell and take little profit from there BTC investment when they have arrived at the over accumulation status. Selling premature distracts you not to hold some BTC mostly when you are seeing small profit from it, the profits we get when we have been buying for long and hodl for 4-10 before we start selling small part of it can't be compare with when we just sell for short term gain.

Sometimes taking small profits isn’t “gambling” it’s smart management, especially if it prevents someone from selling in panic later when they’re broke, build your emergency fund first, then keep your Bitcoin investment separate.
That way I think you can hold with peace of mind and still have the freedom to take partial profits later without hurting your long-term plan.

Even though it can be problematic to sell much of your BTC while you are still acculating BTC before you have reached overaccumulation status, guys might sometimes be tempted to sell some portion of their bitcoin during BIG price rises, and maybe even just continue to buy, even though maybe they had sold a good chunk of their stash.

Guys have to weight the pluses and minuses in regards to such an approach where they may well end up selling from one hand and buying with the other hand... since there continues to be a recommendation to continue to build your bitcoin holdings, and you are running risks if you sell some coins with expectations of either buying back cheaper or expectations to continue to build the bitcoin stash size.

Le's say a person with a $30k income had been accumulating bitcoin at about $100 per week (which is 17% of their income) for more than 5 years, so maybe they had invested right around $26k into bitcoin over the past 5-ish years, and they had accumulated close to 0.7 BTC.  They are considering that they want to get to a sustainable withdrawal amount  of $80k per year, and right now that is right around 14.4477 BTC, yet they estimate that they will ONlY need around less than 2 BTC 10 years from now to be able to sustainably provide a sustainable withdrawal amount of $80k per year.

So yeah, if right now, they decide to sell 0.1 BTC, they are going to be shaving into their totally accumulated BTC stash, and it may well take them a couple of years to buy back that 0.1 BTC that they had sold.  Each person has to answer for themselves in terms of if they might find better ways to satisfy their wants/needs/desires to take money out from their BTC stash and to potentially undermine their BTC stash size.

This is a very detailed and realistic breakdown, and I agree that every investor has to balance between selling small portions and maintaining the long-term accumulation goal. The challenge is always psychological and once someone starts selling early, it’s easy to lose momentum and delay reaching their over-accumulation stage.
Still, your example shows why flexibility matters. Life circumstances differ, and sometimes selling a small fraction doesn’t mean losing conviction; it can be a way to stay financially stable while continuing to DCA. As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.
To me bitcoin investment isn’t a rigid rulebook it’s a discipline built on patience, consistency, and awareness of when your financial situation allows action.

I think that part of my point is that a guy needs to look at the particulars, including in the example that I gave. Selling 0.1 BTC that took 5 years to accumulate up to the 0.7 BTC level, it could well take a couple of years to get his holdings back up to 0.7 BTC and he could have had been continuing to accumulate BTC, instead he spent some of them and then has to spend time reaccumulating to get back to the place he was prior to his having had sold.

I am not even proclaiming that guys are going to necessarily understand the ramifications of their decision, yet at the same time, they should at least attempt to factor in the ramifications in order to see how much they might be set back by their selling early - and perhaps even considering if they might have other avenues that they could pursue to achieve the same.. Another thing is that they might be partially attempting to play bitcoin's price wave with an expectation to buy back some (if not all) of the sold BTC at a cheaper price than their sales price.. which may or may not end up working out for them.

Through bitcoin's history we have a lot of examples of guys selling way too many BTC too soon, and sometimes we can see the risks (and the negative side), yet we still decide to take the risky path. .and we contemplate the risk to be reasonably acceptable... which surely not all guys will come to the same conclusion regarding how to treat the matter and to potentially consider and/or follow a path in which they either don't sell any BTC or perhaps that they sell a smaller amount of BTC.

Of course, it makes a difference if the money is going to be invested in something that potentially could have good returns or even holding the money aside in order to be able to buy dips and/or to just be able to have more of a cash cushion in order to increase weekly DCA amount, as compared with decisions to completely consume the amount and have no money available for buying the BTC back, even if the BTC price were to drop after the sale of the BTC.

This is a very detailed and realistic breakdown, and I agree that every investor has to balance between selling small portions and maintaining the long-term accumulation goal. The challenge is always psychological and once someone starts selling early, it’s easy to lose momentum and delay reaching their over-accumulation stage.
Still, your example shows why flexibility matters. Life circumstances differ, and sometimes selling a small fraction doesn’t mean losing conviction; it can be a way to stay financially stable while continuing to DCA. As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.
To me bitcoin investment isn’t a rigid rulebook it’s a discipline built on patience, consistency, and awareness of when your financial situation allows action.

I don't understand what you mean by small portion. If you mean selling the small amount of money you bought and buying it again, then I can't completely agree with you. Because it will never be the right decision for an investor to sell the previously purchased Bitcoin and buy it again.

It's not that difficult of an idea Gost ms.  If a person is saying that he plans to sell a small portion, that would signify that he is selling less than the whole thing, even though he did not specify exactly what he meant by "small portion."

Of course, my earlier example I mention selling about 1/7th the stash size.. which could also be considered a small portion, even though it might take many months or even years to purchase back the amount of BTC that had been sold.

Sometimes going through the calculations, guys will even see that they will end up taking away much of the BTC accumulation and/or BTC  portfolio building progress that they had already made, and so sometimes going through the numbers will help to show them the impact in their choosing between available options... just because an option is available does not necessarily mean it is good to take such option, even though it may be o.k. to consider the taking of the option.

But yes, if we think of withdrawing some amount from the investment and enjoying it, then it can be done.

There is a difference in terms of considering how the withdrawn money might be used and if it might be "enjoyed" or invested in some kind of a way.  Sure guys will sometimes mix up the categories, and sometimes consider something to be an investment when it is consumption, yet there are differences in the ways that the money could be used once it is taken out of bitcoin and the extent to which it might remain available to be reinvested into bitcoin at some point in the future.

For example, if a person's investment becomes equal to twice the amount of money he invested, in that case, if a person wants, he can withdraw some amount of money and enjoy it.

Sure the amount that the investment has appreciated is a factor, yet if the guy is really in bitcoin for long term investing, then the appreciation is a problematic consideration, since the main consideration should be his concern to be able to replace (or reeinvest) the money that had been used.. and sure there is speculation involved in the replacement matter, yet so many guys get lured into thinking about "how much profits" they are making.. .which truly is going to prevent them from really getting into the mindset and practice of an investor rather than fucking around with trading ideas and trading practices - even if they are calling themselves an investor they still have a trading mentality coupled by trading practices. which will likely contribute towards their having fun staying poor.. which truly is an ongoing problem that poor people have when they are building an investment but ongoingly distracted by taking profits out of their investment and never making progress in terms of meaningfully building their investment to take them out of the status of poverty with poor-person thinking and poor-person practices.

I am not against poor people, yet there is a need that poor people frequently have to both organize their finances and also to put cashflow management systems in place so that they are less tempted to tap into their bitcoin at a time that is not to their interest, even if they are tempted to tap into their bitcoin investment rather than keeping some discipline in regards to their needs to build.

But withdrawing the entire amount of money will never be the right decision.

At least you understand this part, even though surely some folks will be tempted to withdraw everything as a kind of trade, but aren't we talking about investing and not trading, so why would we be talking about people withdrawing all of their investment?

Even a person who withdraws anywhere close to 50% of their investment, they might have had taken around 5 years to build up their bitcoin investment to be 0.7 BTC, and then all of a sudden they ONLY have half of their original investment size, and it could end up taking them close to 10 years to get their investment back to the same level that it had been earlier.. Yeah, they might be optimistic about being able to recover more quickly, yet sometimes, they are engaged in fantasy thinking rather than dealing with reality.

However, if a person does this and the continuity of his investment is lost, then it would be better for him to stay away from this method.

There could be times in which once-in-a-while might be o.k. as long as the withdrawn amount is NOT great size, yet surely there is a problem and/or temptation that guys might have to fall into a trap of doing this kind of a withdrawal over and over and really impede their bitcoin stash building progress.

My earlier example related to a guy who had already been accumulating for 5 years, so at least he already had a decent amount of time building his holdings, yet if he were to take out something like 1/7th of his holdings, it may well be equivalent to a couple of years of his ability to put it back, and yeah, if the BTC price goes down after he had withdrawn, then he would not be as negatively affected as compared with the BTC price going up after he had withdrawn.  So to some extent, his decision (and action) to withdraw from his bitcoin holdings ends up converting him into a trader/gambler rather than an investor, even though there still could be some systematic ways to both withdraw and to put systems in place to continue to buy at the regular rate, yet perhaps to increase the buy amounts by 30% to 50% in order to try to make up for the reduction of the BTC stash size. 

I will say that over my years of being in bitcoin, I did have some times in my earlier years that I would spend and replace my bitcoin, so I usually tried to buy back more than I sold and also to attempt to buy back at a cheaper price than I had sold, yet I recall some instances in which the BTC price went shooting to the upside and I never was able to buy back the sold BTC at or near the price that I had sold them.  In some of those cases of selling and then not being able to buy back, I just wrote it off as a cost of doing business, yet even at that time, I had considered myself to be mostly in an overaccumulation status.  I specifically recall one time in around March or April of 2019, I had sold some bitcoin to a person that I knew for around $4,200, and I was planning to buy those back, but the price went shooting up.. and really the BTC price went all the way up to $13,880 by the end of June 2019.. so it was a crazy time to have the BTC price go up so much in such a short period of time.

But yes, if we think of withdrawing some amount from the investment and enjoying it, then it can be done. For example, if a person's investment becomes equal to twice the amount of money he invested, in that case, if a person wants, he can withdraw some amount of money and enjoy it. But withdrawing the entire amount of money will never be the right decision. However, if a person does this and the continuity of his investment is lost, then it would be better for him to stay away from this method.

I still see no reason to take some profits from your bitcoin investment because the amount is double what you invested. Do you mean that if I have invested $100 and my portfolio value $200, it's good for my to sell part of my bitcoin because of profits. You don't need to be in a rush of taking profit when you haven't reached your over accumulation stage because it will prevent you from reaching your bitcoin target at the right time.

You can still be tempted to continue taking little profit once in a while, before you know it, you will turn into a trader thinking that's the smart way to invest in a long term. You might end up selling too many bitcoin too soon and become a low coiner. It's good to stay away from any practice that will add a negative effect on your bitcoin portfolio value.

If you don't sell, it's still your bitcoin why in a hurry to enjoy from a premature investment. There are some old investors that when bitcoin price was at $125k, their portfolio was three times from what the invested but they didn't take any profit because they're aiming high in order to reach their bitcoin target.

Exactly.  There are guys who have average BTC costs that are around $20k and even less than that, and they are not taking profits, but still building their holdings.. It can take a long time to really build up a bitcoin portfolio, and even guys who have been in bitcoin for 5 years, and their costs still might well be in the $30k to $40k price range.. and so the longer that we have been in bitcoin and investing in bitcoin, then the more likely that our average cost per BTC will be at sufficiently lower amounts, yet we should not be deciding to sell some of our BTC merely because it is in profits, since we still have to manage our BTC in terms of reaching our accumulation goal, even if maybe later in our bitcoin journey we might slow down in our buying of bitcoin, yet we still might continue to buy on dips and/or major dips.. so there can be ways that our BTC accumulation strategies might change based on how far we are getting in our bitcoin accumulation.. and presumptively we are also protecting our BTC stash, too.

[PhilosopherKing]

As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.

Honestly man, a growing portfolio shouldn't be treated like an ATM, it's shits like this that messes up your long term plan and gradually turns you into a trader without you even realizing it. And I really don't see anything strategic about selling out your Bitcoin in an attempt to chase quick profits like some confused newbie, when you haven't reach your over-accumulation stage. If you truly want to build a good and strong Bitcoin portfolio, it best you stop lying to yourself that small withdrawals don't matter, because they will and always do matter. 

[Bigjoe33]

Still, your example shows why flexibility matters. Life circumstances differ, and sometimes selling a small fraction doesn’t mean losing conviction; it can be a way to stay financially stable while continuing to DCA. As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.
To me bitcoin investment isn’t a rigid rulebook it’s a discipline built on patience, consistency, and awareness of when your financial situation allows action.

True, sometimes life circumstances can push you to selling little part of your assets to remain stable. But this will happen as a result of not having readily back up funds at your disposal. Surely, if such investor had his emergency funds, he would likely access it and not tap from his BTC assets to settle life situations. This is why it is paramount that while building up your BTC portfolio, our emergency or back funds should also be treated with much importance because in the days of emergency, emergency funds will become the pillar or rock you will need to Hodl and then your investments will be saved.

So while investing from your discretionary, using the DCA, the emergency funds should be built alongside gradually. This is a conscientious attempt to stabilise your investment and avoid unprepared attempts to tamper with your assets which was not part of your original Long term buy and Hodl plan

[Finebone]

As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.

Honestly man, a growing portfolio shouldn't be treated like an ATM, it's shits like this that messes up your long term plan and gradually turns you into a trader without you even realizing it. And I really don't see anything strategic about selling out your Bitcoin in an attempt to chase quick profits like some confused newbie, when you haven't reach your over-accumulation stage. If you truly want to build a good and strong Bitcoin portfolio, it best you stop lying to yourself that small withdrawals don't matter, because they will and always do matter. 

My exact sentiment mate, selling and be taking profits gradually when you should be buying and adding up to your stash of bitcoin is one fast way of liquidating your holdings, because instead of your stash to increase, it will be shrinking, which will discourage you to build a huge stash of bitcoin in your portfolio.
And another thing is that once you have not gotten to that over accumulation status and you start withdrawing prematurely, it shows that you as a person doesn't know how to go about your Bitcoin investment because you are selling prematurely when your investment has not generated any revenue since Bitcoin needs to be held for a long time, in other to stand a chance of making something significant out of it.

[bitmover]

Le's say a person with a $30k income had been accumulating bitcoin at about $100 per week (which is 17% of their income) for more than 5 years, so maybe they had invested right around $26k into bitcoin over the past 5-ish years, and they had accumulated close to 0.7 BTC.  They are considering that they want to get to a sustainable withdrawal amount  of $80k per year, and right now that is right around 14.4477 BTC, yet they estimate that they will ONlY need around less than 2 BTC 10 years from now to be able to sustainably provide a sustainable withdrawal amount of $80k per year.

So yeah, if right now, they decide to sell 0.1 BTC, they are going to be shaving into their totally accumulated BTC stash, and it may well take them a couple of years to buy back that 0.1 BTC that they had sold.  Each person has to answer for themselves in terms of if they might find better ways to satisfy their wants/needs/desires to take money out from their BTC stash and to potentially undermine their BTC stash size.

I was taking a look at the table and I thought something which might be important.

I see the BTC price is just going up, about $ 300k in 2030 (quite feasible) and $600 in 2033. However, will the dollar be worth so much in the future?

Perhaps, $ 80k per year won't be enough to pay for the life you are thinking in 2033. Even a 5% inflation per year has an enormous impact.

I asked chapgpt to make a projection of 10year inflation of 5% per year:

1.05^10 ≈ 1.628894
Accumulated Inflation≈62.89%

✅ Accumulated inflation over 10 years at 5% per year ≈ 62.9%.

So, in 2035 $80k will be worth only 37% of what it is worth now, if we have a 5% inflation per year (which is also quite feasible considering money printing scheme)

[Hardyrobust]

As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.

Honestly man, a growing portfolio shouldn't be treated like an ATM, it's shits like this that messes up your long term plan and gradually turns you into a trader without you even realizing it. And I really don't see anything strategic about selling out your Bitcoin in an attempt to chase quick profits like some confused newbie, when you haven't reach your over-accumulation stage. If you truly want to build a good and strong Bitcoin portfolio, it best you stop lying to yourself that small withdrawals don't matter, because they will and always do matter. 

My exact sentiment mate, selling and be taking profits gradually when you should be buying and adding up to your stash of bitcoin is one fast way of liquidating your holdings, because instead of your stash to increase, it will be shrinking, which will discourage you to build a huge stash of bitcoin in your portfolio.
And another thing is that once you have not gotten to that over accumulation status and you start withdrawing prematurely, it shows that you as a person doesn't know how to go about your Bitcoin investment because you are selling prematurely when your investment has not generated any revenue since Bitcoin needs to be held for a long time, in other to stand a chance of making something significant out of it.

To be selling and buying bitcoin doesn't really make sense especially when we are still in accumulation phase. It is traders that mostly adopt this method. This is very risky as it exposes our bitcoin to a much greater risk. The focus at this stage , for low coiner whose aim is to have a good portfolio in bitcoin is continuous accumulation of bitcoin.However, holding for a long time doesn't mean we are sure or certain of making profit or being successful.

[JayJuanGee]

Le's say a person with a $30k income had been accumulating bitcoin at about $100 per week (which is 17% of their income) for more than 5 years, so maybe they had invested right around $26k into bitcoin over the past 5-ish years, and they had accumulated close to 0.7 BTC.  They are considering that they want to get to a sustainable withdrawal amount  of $80k per year, and right now that is right around 14.4477 BTC, yet they estimate that they will ONlY need around less than 2 BTC 10 years from now to be able to sustainably provide a sustainable withdrawal amount of $80k per year.

So yeah, if right now, they decide to sell 0.1 BTC, they are going to be shaving into their totally accumulated BTC stash, and it may well take them a couple of years to buy back that 0.1 BTC that they had sold.  Each person has to answer for themselves in terms of if they might find better ways to satisfy their wants/needs/desires to take money out from their BTC stash and to potentially undermine their BTC stash size.

I was taking a look at the table and I thought something which might be important.

I see the BTC price is just going up, about $ 300k in 2030 (quite feasible) and $600 in 2033. However, will the dollar be worth so much in the future?

Perhaps, $ 80k per year won't be enough to pay for the life you are thinking in 2033. Even a 5% inflation per year has an enormous impact.

Of course, each of us should attempt to account for the debasement of the dollar (and other fiat) and/or inflation, so our formulas and projections should attempt to account for those matters.

Up until 2020, I used $40k as the entry-level fuck you status, yet the events in and around March 2020 contributed towards my changing default entry-level fuck you status to $80k.. so the $40k was based on the passive withdrawal from a millionnaire's holdings at 4% inthe traditional system.. of course the $80k merely doubles that as a "good enough for now" adjustment.

Millionnaire and/or fuck you status has never been referring to any exact person or even myself, even though I considered as a good starting status until March 2020, and there were people who made way BIGGER adjustments in March 2020 as compared with the ones that I made.

So yeah, if anyone fucks up and measures it wrong, then he will need to make adjustments, and if he ends up having to take longer because he way overestimated (or underestimated0 then he needs to be responsible for his own oversights.

I personally use 7% per year as the adjustment once fuck you status is reached... and so yeah, getting to fuck you status (or what level constitutes fuck you status is individually determined).

I asked chapgpt to make a projection of 10year inflation of 5% per year:

1.05^10 ≈ 1.628894
Accumulated Inflation≈62.89%

✅ Accumulated inflation over 10 years at 5% per year ≈ 62.9%.

So, in 2035 $80k will be worth only 37% of what it is worth now, if we have a 5% inflation per year (which is also quite feasible considering money printing scheme)

Of course the further we project out, the more problematic these projections become, not only in terms of the bitcoin price (whow much will it cost us to accumulate it), and it also seems to me that we are going to ongoingly  be projecting as we acccumulate bitcoin.

One thing is that if we are already at fuck you wtatus right now, then we figure out what we need right now, and then what is sustainable for a withdrawal status while also accounting for the yearly cost of living adjustment.   

It is a lot more concrete if we have a concrete number of BTC right now and if the projection into the future is not too far out there, so that the further we are projecting into the future, then the more of just a ballpark figure we will be shooting for, yet once we get closer to actually pulling the fuck you lever, then we have to be more sure that our bitcoin investment is going to support us if it is the ONLY asset, yet many guys might pull the fuck you lever while having more than one  income source and/or investment.  I personally believe that bitcoin is likely going to be the best one to set up some kinds of a reaosnable and realistic and even comfortable sustainable withdrawal. yet each of them would have their own rate.

I think that it is also good to have an extra cushion.. as a safety net, and yeah, we have had the argument before since I recall that you are not so keen about maintaining an extra cushion.. yet from my perspective the extra cushion allows for a higher withdrawal rate.. .or at least a cushion.

So in the earlier example that I gave (cited above), if the person has 14.4477 BTC and is withdrawing $80k per year or $6,666 per month, he might feel better for withdrawing at that $80k per year and $6,666 per month rate if he were to ahve something like 17 BTC, so an additional 2.55 BTC which would permit him to either withdraw at the higher rate or just have the cushion and withdraw at the lower rate, and I am considering that there would be an option to increase by 7% each year that is optional whether the incrtease is taken or not.  If the increase is not employed, then that bitcoin value would continue to grow... There are various ways to monitor so that the guy does not overdo it, yet still having some extra cushion in the way that he is employing the withdrawals.

[Abelly]

True, sometimes life circumstances can push you to selling little part of your assets to remain stable. But this will happen as a result of not having readily back up funds at your disposal. Surely, if such investor had his emergency funds, he would likely access it and not tap from his BTC assets to settle life situations. This is why it is paramount that while building up your BTC portfolio, our emergency or back funds should also be treated with much importance because in the days of emergency, emergency funds will become the pillar or rock you will need to Hodl and then your investments will be saved.

So while investing from your discretionary, using the DCA, the emergency funds should be built alongside gradually. This is a conscientious attempt to stabilise your investment and avoid unprepared attempts to tamper with your assets which was not part of your original Long term buy and Hodl plan

What you are saying is really a problem for new investors, being forced to sell BTC in an emergency. Most of the time it is not because of the market but because of a weak personal financial structure.

To be honest. If someone had a strong emergency fund, then they would have been able to handle the stress of life and would not have had to touch their long term holdings. That is why I think it is equally important to build an emergency fund as soon as you start accumulating BTC.

Many people think that Dca means just buying crypto

But in fact Dca, emergency found, long term stability. The emergency fund acts as the real shield of your holdings until the end.

When unexpected expenses come, if you have liquid cash, you do not have to panic sell, or sell your position at a dip. Rather, you can manage the situation by keeping your long term plan intact.

So, no matter how small the investment, building an emergency fund gradually is part of a mature investment strategy.  This not only keeps your portfolio stable but also gives your mind a sense of control by not letting your holdings get touched.

[Barikui1]

. If someone had a strong emergency fund, then they would have been able to handle the stress of life and would not have had to touch their long term holdings. That is why I think it is equally important to build an emergency fund as soon as you start accumulating BTC.

Do you know that you can have an emergency and reserve funds in place, but might still temper with your Bitcoin investment when faced with a serious emergency situation if it's not kept the right way?

This is why investors are advice to separate their emergency funds into three places, two should be kept in our local bank, two different banks, so that if network is bad in any of them when your emergency funds is needed, you can easily access the other one that is in a different bank. While the third one should be kept in cash, so that just in case your banks locked you out during emergencies, you will have an emergency funds in place in cash to address that pressing needs that will help you safeguard your Bitcoin investment.
So what am trying to say is that if your emergency funds is not kept the right way, you may likely still sell your holdings or temper with it because you might not be able to access your emergency funds at that particular time that it is needed.

[yixichloro2xx]

As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.

Honestly man, a growing portfolio shouldn't be treated like an ATM, it's shits like this that messes up your long term plan and gradually turns you into a trader without you even realizing it. And I really don't see anything strategic about selling out your Bitcoin in an attempt to chase quick profits like some confused newbie, when you haven't reach your over-accumulation stage. If you truly want to build a good and strong Bitcoin portfolio, it best you stop lying to yourself that small withdrawals don't matter, because they will and always do matter. 

My exact sentiment mate, selling and be taking profits gradually when you should be buying and adding up to your stash of bitcoin is one fast way of liquidating your holdings, because instead of your stash to increase, it will be shrinking, which will discourage you to build a huge stash of bitcoin in your portfolio.
And another thing is that once you have not gotten to that over accumulation status and you start withdrawing prematurely, it shows that you as a person doesn't know how to go about your Bitcoin investment because you are selling prematurely when your investment has not generated any revenue since Bitcoin needs to be held for a long time, in other to stand a chance of making something significant out of it.

To be selling and buying bitcoin doesn't really make sense especially when we are still in accumulation phase. It is traders that mostly adopt this method. This is very risky as it exposes our bitcoin to a much greater risk. The focus at this stage , for low coiner whose aim is to have a good portfolio in bitcoin is continuous accumulation of bitcoin.However, holding for a long time doesn't mean we are sure or certain of making profit or being successful.

Like this, it is better to put more focus on steady accumulation to your bitcoin holdings rather than trading it back and forth. With this dip Bitcoin is even presenting it self to us so that we can buy it, before it jumps up again.These short term moves always come along with alot of noise which can lead to losses. Holding bitcoin doesn't mean  you will see profit, but consistent accumulation can help someone build a stronger position overtime if the market moves in your favor.
‎

[cxtreenal]

As long as the long-term plan remains intact and the overall stash keeps growing, a few strategic withdrawals won’t derail the goal.

Honestly man, a growing portfolio shouldn't be treated like an ATM, it's shits like this that messes up your long term plan and gradually turns you into a trader without you even realizing it. And I really don't see anything strategic about selling out your Bitcoin in an attempt to chase quick profits like some confused newbie, when you haven't reach your over-accumulation stage. If you truly want to build a good and strong Bitcoin portfolio, it best you stop lying to yourself that small withdrawals don't matter, because they will and always do matter. 

My exact sentiment mate, selling and be taking profits gradually when you should be buying and adding up to your stash of bitcoin is one fast way of liquidating your holdings, because instead of your stash to increase, it will be shrinking, which will discourage you to build a huge stash of bitcoin in your portfolio.
And another thing is that once you have not gotten to that over accumulation status and you start withdrawing prematurely, it shows that you as a person doesn't know how to go about your Bitcoin investment because you are selling prematurely when your investment has not generated any revenue since Bitcoin needs to be held for a long time, in other to stand a chance of making something significant out of it.

To be selling and buying bitcoin doesn't really make sense especially when we are still in accumulation phase. It is traders that mostly adopt this method. This is very risky as it exposes our bitcoin to a much greater risk. The focus at this stage , for low coiner whose aim is to have a good portfolio in bitcoin is continuous accumulation of bitcoin.However, holding for a long time doesn't mean we are sure or certain of making profit or being successful.

There is some ambiguity in your paragraph where you say buying and selling Bitcoin is pointless. Investors should approach the stages of Bitcoin accumulation in such a way that they should have a mental expectation that they will have a specific target where they will allocate a portion of their income to Bitcoin accumulation on a regular basis. Having a desire to have a good Bitcoin portfolio means that you are committed to a concrete decision that not every price will be a barrier to Bitcoin accumulation. I really don't want to be disappointed because when I continue to hold Bitcoin continuously through three cycles of discretionary income and a convenient stage of investment, it is my financial ability as well as experience. A surefire success.

[Cgrexp]

Do you know that you can have an emergency and reserve funds in place, but might still temper with your Bitcoin investment when faced with a serious emergency situation if it's not kept the right way?
This is why investors are advice to separate their emergency funds into three places, two should be kept in our local bank, two different banks, so that if network is bad in any of them when your emergency funds is needed, you can easily access the other one that is in a different bank. While the third one should be kept in cash, so that just in case your banks locked you out during emergencies, you will have an emergency funds in place in cash to address that pressing needs that will help you safeguard your Bitcoin investment.So what am trying to say is that if your emergency funds is not kept the right way, you may likely still sell your holdings or temper with it because you might not be able to access your emergency funds at that particular time that it is needed.

How much emergency fund a person needs before starting to invest in Bitcoin is a matter of personal judgment. Each person must determine for themselves how much emergency or backup fund they can confidently start investing and have access to sufficient discretionary funds. It is not true that it is necessary to have a full backup or emergency fund before starting to invest. The key is to have sufficient discretionary funds to start. However, investing with absolutely zero backup funds becomes almost like gambling. Therefore, it is necessary to have some level of backup fund. This ensures that the investment is being made from discretionary funds and not from the  funds that cover the emergency expenses.

[BTC-blaad]

. If someone had a strong emergency fund, then they would have been able to handle the stress of life and would not have had to touch their long term holdings. That is why I think it is equally important to build an emergency fund as soon as you start accumulating BTC.

Do you know that you can have an emergency and reserve funds in place, but might still temper with your Bitcoin investment when faced with a serious emergency situation if it's not kept the right way?

This is why investors are advice to separate their emergency funds into three places, two should be kept in our local bank, two different banks, so that if network is bad in any of them when your emergency funds is needed, you can easily access the other one that is in a different bank. While the third one should be kept in cash, so that just in case your banks locked you out during emergencies, you will have an emergency funds in place in cash to address that pressing needs that will help you safeguard your Bitcoin investment.
So what am trying to say is that if your emergency funds is not kept the right way, you may likely still sell your holdings or temper with it because you might not be able to access your emergency funds at that particular time that it is needed.

you're right, the emergency funds is really important to our investment and in everyday life especially as an investor. emergency can occur at anytime of our life and at such we can need our emergency funds at anytime also so that we wont be running up and down looking for our emergency funds to solve some emergency situation that requires cash to settle, and also for us not to tend to selling our bitcoin investment just to get some cash for such situation that's why its always advisable that we should make sure that our emergency funds is easily accessible to us at any time we need it. weather we separate our emergency funds in three different places or not, what is most important is that it should be readily available and easily accessible to us when the need be.