Does it take us a long time to reach 1 BTC

[Bushdark]

It is true that, people are still struggling to survive or feed themselves day by day, salaries and wages are nearly enough to help people go from day to day, not to talk of saving enough for investment. A lot of persons are more focused on how they can survive the day than investing.

Many people can't set aside money to invest. An economic crisis is affecting many countries. It's clear that this is a global issue. Saving up for 1 Bitcoin is very difficult, especially given current prices. Many people will never be able to achieve this in their lifetime.

It's an unfortunate reality but the times when it's easy for an individual to accumulate one Bitcoin seams to be long gone and now, you can only boost of as much bitcoin as your funds can carry and for most individuals, it's always far from one whole bitcoin.

There are several constraints that stops an individual from accumulating much bitcoin ranging from the high inflation rate, the deficulty in earning really high and the bad economy that the world is facing in general. In all, it's not even about bitcoin being too expensive. Even if the worth of a whole bitcoin wasn't this high, the fact that in a lifetime a lot of us will struggle to save up to that amount is even the biggest challenge.

The price of Bitcoin is gradually adding more value even though price always fluctuating to balance momentum. It will take a longer time for an average Bitcoin investor that is working and investing in Bitcoin from part of his salary than 10 years ago when the price of Bitcoin was still little and very affordable for anyone to accumulate.

Price keeps increasing as the adoption of Bitcoin increases. There was a time when the price of Bitcoin reaches $120k which shows that the value skyrocket and it will become very difficult for an ordinary investor to accumulate up to 1 BTC in a short period of time if he is not getting huge salary.

[JayJuanGee]

I got my first BTC by selling the download code for a free game that came with one of my GPUs. I think I sold it for 2.6 BTC or something like that. It was a different time for sure. Back then people treated BTC like it was a hot potato. Nobody wanted to hold it very long in fear it would be worthless.

That is how you thought about BTC, and that is why you are still trying to accumulate more BTC now, as compared with where you could have had been if you had merely focused on accumulating bitcoin in the early times that you were registered on this forum.. so for example from June 2011 until January 2013, you could have had accumulated a lot of BTC, and even better if you had focused on accumulating BTC until early 2017.

reaching exactly 1 bitcoin is an incredible psychological milestone. i’d really love to be there, but without a very high income, it’s a process that will take years. this situation is actually a bit funny, because there have been users on this forum who’ve been buying and selling thousands of bitcoins as if it were nothing. just 10 years ago, 1 bitcoin wasn’t such an incredible goal. at the point we’ve reached now, the average person would have to dedicate a significant portion of their life to saving up bitcoin just to reach 1 bitcoin.

Of course, normies tend to gravitate towards round numbers, and I think that before I got into bitcoin, such as prior to 2013, many guys were shooting for 1,0000 bitcoin and even 10k bitcoin, yet it seems that even by the time that I was accumulating bitcoin from late 2014 to late 2016, there were still some guys who were talking about getting to 100 bitcoin, yet it was becoming less and less frequent, even though surely even for most of 2015, 100 bitcoin could have been fairly easily reached since the bitcoin price was in the mid $200s for an overwhelming majority of the year... so $25k to $30k, could have had been enough to accumulate 100 or more bitcoin.

So then maybe after the 2017 run up guys started to focus on accumulation levels that were between 10 bitcoin and 21 bitcoin, which might have had been reachable until the 2021 run-up... .. so then after the 2021 run up maybe these goals of reaching 1-5 bitcoin started to become goals that might have had been reachable for some guys, yet still becoming more and more difficult to even reach 1-5 bitcoin.

So yeah, now 1 bitcoin is barely reachable for newbies, even though it might be reachable by guys who had already spent some time accumulating bitcoin, perhaps over the past 4-ish years, so even a guy who had been buying around $100 worth of bitcoin every week for the past 4 years, he would have had invested right around $21k and he would have accumulated right around 0.51 BTC - which surely is a reasonably good path towards getting to a whole bitcoin or more.

since bitcoin’s value won’t remain constant throughout the saving process, reaching 1 bitcoin could take much longer than these calculations say. but the truth is, no one actually needs 1 bitcoin. the amount each person needs to save varies depending on their standard of living and income level. there are even countries that buy 1 bitcoin every day, but there are people that buy in satoshis too. bitcoin is a system that appeals to everyone, and how much you can save doesn’t really matter.

Of course, the idea for any person who is seriously focusing on accumulating bitcoin, he likely needs to try to stay reasonable within his own means, and when he is reasonable within his own means, he has way better chances to not only continue to accumulate bitcoin, but to not fuck up so much that he ends up having to either stop accumulating bitcoin or worse yet to sell some of the bitcoin that he had already accumulated.

Frequently poor people have more difficult times in both ongoingly accumulating bitcoin, and also not getting tempted into selling too much bitcoin too soon.  I am not sure how to solve that problem exactly, except maybe if poor people just continue to build both their bitcoin stash and also to build up other side funds that they can spend from, yet so frequently they get tempted into wanting to spend BIG from their bitcoin holdings which would also result in their not being able to either keep stacking bitcion and/or worse yet tapping into their funds before they are able to sufficiently mature.

$50 weekly is too small if you are targeting 1 BTC in a 2 to 5 years time. But for the 32 years, it is too long. You have to consider your current age before investing with that amount. You might not enjoy your investment so Yu you have to invest what you can reap easily and not something that will be giving you unnecessary thinking. If you have the money no problem but if you don't, you don't have to be competition with others.

Well if we have a hypothetical of a guy who is right around 30 years old, and he considers that he has something like a 30 year investment timeline, then we could attempt to project out our numbers and to attempt to follow a plan that is as aggressive as we are able to be in bitcoin accumulation.

So, we could create an excel spreadsheet to try to project out our income, the cost of living,  changes in our expectations of the price of bitcoin.

There might be expectations that we are able to invest more aggressively than we are really capable of investing, and frequently, I like to suggest that if guys can ongoingly invest 10% of their income, then they are doing quite well, yet in order to accomplish such a thing of being able to invest 10% of their income for up to 30 years, they may well need to have somewhere in the ballpark of 20% to 30% of their income as discretionary funds.

Even if we take the example of a guy consistently investing $50 per week, is he also saving $50 per week and perhaps discretionarily consuming somewhere in the ballpark of $50 per week?  That would be a total of $150 per week, which may well mean that his income would need to be right around $1,500 per week which would be around $6.5k per month, which would be $78k per year... and yeah, I think that we are not talking those kinds of numbers.. .

Yet I frequently suggest that guys who have a $30k per year income (which is $2,500 per month) would be able to invest $100 per week into bitcoin.. so if we say that this person has an income of $15k per year, then that is only an income of less than $300 per week, and so if a guy is investing right around 16.7% of his income into bitcoin, then does he have enough discretionary funds available to also put into savings (back up funds) and also to discretionarily consume a similar amount?  Sure maybe those other categories need to be smaller, yet if a guy is going to be sustainable he does need back up funds and to be able to discretionarily consume.

He might be able to increase his discretionary funds by increasing his income and/or by decreasing his expenses, yet also over the years, we would expect that his income is going to go up between 3% and 5% per year (perhaps)? but the cost of living might go up by more? and surely bitcoin prices are likely to, on average, appreciate more than either his income or his costs of living.

Do you estimate how long You have set aside to buy bitcoin?

I don’t get hung up on round figures. I prefer to keep building up my holdings, knowing that next year I’ll have more, and the year after that even more, and so on. Ultimately, it’s a question of growing my wealth, and in an asset that has unique qualities.

What’s more, given that the price fluctuates, it’s difficult to make accurate estimates. If I had to choose, I’d prefer the price to rise significantly so that the bitcoin I still need to accumulate becomes more expensive, in exchange for the bitcoin I already own increasing in value.

I think that we have to attempt to tailor our projections of changes in prices and changes in our income based on attempts at realistic expectations.

If we are putting in 10% to 25% of our income into bitcoin, then surely we would make more progress if we were to be able to put anywhere close to 25% of our income into bitcoin as compared with 10%.. since with 25%, we would be able to put 1 year of our income into bitcoin within 4 years, and if we were only able to put 10% per year into bitcoin, then it may take us close to 10 years to be able to put 1 year of our income into bitcoin.

As time passes, we will be able to both measure how much of our income we had put into bitcoin, yet we will also be able to measure whether the bitcoin prices had gone up, down or sideways, and it would seem to me that there are decently good odds that BTC prices would have had gone up over the upcoming 10 years, perhaps even on average 20% or more per year, even though there are not any guarantees.

Since the spot price is all over the place I personally like to look at the 200-WMA and to consider that the 200-WMA has better chances of going up around 20% per year and that the BTC price has decently good chances to be 25% to 30% above the 200-WMA at any given time, and those kinds of measures can help to ground our own measures, and since the 200-WMA is a lagging indicator, we can make adjustments to our plans based on our paying attention to such lagging indicator.  Here's a good place to look at current 200-WMA numbers as compared with spot price and to look at historical 200-WMA numbers too.

[edited out]

Inspired by my improved financial strength year after year, it's like building ownership requires a step-by-step process. I mean, there's an increase in Bitcoin acquisitions year after year until satisfaction is reached.

I used to feel how easy it was for people to own 1 BTC or 10 BTC because the price was still very cheap, or under $5,000. However, At the moment with such high prices and such a low budget amount, it definitely takes time and extra patience to reach 1 BTC.

I set a plan like this, if I could reach 0.1 BTC in one year, my confidence would grow stronger to reach 1 BTC before the 10-year mark. However, the big problem was that I had to work day and night to earn enough money to buy Bitcoin more aggressively or with a larger budget. Some people said I was pushing myself too hard with my investment, but I didn't feel that way.

There is nothing wrong with having a steady accumulation plan, yet even though there might be some years that you are able to accumulate more bitcoin than previous years, the trend seems to be the opposite.  Each year it is quite likely that you will not be able to accumulate as much BTC as you were able to accumulate in prior years, even though maybe your income had also gone up. So there is some value in trying to accumulate bitcoin as soon as you can and as much as you can at earlier points in time, and likely if you are looking back 10-15 years or greater down the road, you will likely see that you were able to accumulate more bitcoin in your earlier years as compared to your later years.

It would take quite a long time for someone to accumulate 1 Bitcoin if they were only able to invest $100 per month from their salary. We know that the price of Bitcoin can rise or fall at any moment; this can either accelerate or slow down portfolio growth. But in this case, I think one needs to set aside how long it takes to accumulate 1 Bitcoin.  I mean, if they are consistent about it, then that 1 Bitcoin should eventually be accumulated.

The accumulation process is indeed very lengthy and requires patience, but you can still multiply your holdings if you are able to capitalize on market volatility. If you have good trading skills, then it is very possible for you to multiply your bitcoin by trading. Many people also do this instead of relying solely on their monthly salary for periodic accumulation.

In many parts of the world $100 is very big. Some families run their family through the month with $100. In that stance periodic spending of $100 have more value. In my belief a person who dedicatedly accumulate $100 per month can financially uplift his future generation. A person starting at the age of 25 starts to accumulate $100 per month means he'll make 1 BTC by the age of 90. As said, the volatility will give gains and when it is almost five years of accumulation surely, we'll have $6000 - $7000 worth bitcoin. This is more for regular trading practice. Good learning about market and continued spending of $100 will surely make them have 1 BTC in another 10 years of time.

I doubt that any BTC trader would be able to beat the results of a guy who just ongoingly accumulates bitcoin, especially over a period of 10 years or more.  You are fooling yourself if you believe that traders have any reasonable chance to actually beat an investor over 10 years or more.  There might be some rare ones, but it would surely not be the way to have confidence in building an investment that might be building up and last 10 to 30 years.

It is true that, people are still struggling to survive or feed themselves day by day, salaries and wages are nearly enough to help people go from day to day, not to talk of saving enough for investment. A lot of persons are more focused on how they can survive the day than investing.

Many people can't set aside money to invest. An economic crisis is affecting many countries. It's clear that this is a global issue. Saving up for 1 Bitcoin is very difficult, especially given current prices. Many people will never be able to achieve this in their lifetime. People are barely getting by, finding money to invest is hard. For those with higher incomes, this is a more achievable goal. For low income individuals who struggle to make ends meet, this is just a pipe dream.

If guys cannot figure out how to make enough money to have some left over after their basic expenses (aka establish discretionary funds), then yeah, they will not be able to invest.  Surely it is difficult for a lot of people, and some folks are able to figure out how to improve their income situations so that they are able to invest into bitcoin.  It is difficult to figure out if there is any other better place (besides bitcoin) to put time, energy and money, yet yeah, there are also needs to figure out how to increase discretionary funds, if they don't seem to be enough to actually be able to buy bitcoin on a regular and consistent basis.

To achieve this, the benchmark I'm referring to is setting $50 as a target of 1 BTC. The easy way is to be consistent and follow up with purchases every week until we reach 1 BTC.

Why do we need 1 BTC?
Of course, our investment doesn't have to reach 1 BTC. But for me, if I manage to reach 1 BTC, I liken my focused investment to a successful conclusion or a very special celebration.

A target isn’t exactly bad when someone wants to use it for a reason to push on but, I don’t really think people should have a target when it comes to Bitcoin investment. 1BTC is a lot but, why stop there if you can go ahead and get more you know. Targets can be limiting at times but, it can help being a way to start and stay motivated towards Bitcoin investment. Interest in Bitcoin should be something that fades off because of a target, it should grow with your portfolio increase.

Personally, I like to try to measure targets based on our own income and perhaps trying to use our own income as something that we might want to strive to be able to replace, so if a person has an income of $15k per year and he is 30 years old, then maybe he would expect his income to double every 10 years, but ONLY if he is able to get promotions and meaningful increases in his wages.  So then he might have a target to build his bitcoin investment to be 10x the size of his income so that he can start to withdraw from his bitcoin investment.  These are not easy targets, but there are ways that making withdrawals from investments can be attempted to be sustainable rather than aiming to draw down the principle.

[laijsica]

If we consistently buy with a Budget of $50 per week, it seems like it will take us almost 32 years to reach 1 BTC. Is that too long to reach 1 BTC? Do we need to budget more Money to reach 1 btc in our portfolio?

Well, if we Buy with a budget of $500 per week, it might only take us 3.5 years to reach 1 BTC.

I think we should calculate how long we will continue buying bitcoin and when we will enjoy it. Because if we are 30 years old, it will take us 32 years to reach 1 BTC with $50 per week. By the time we are 62, We will have 1 BTC.
Do you estimate how long You have set aside to buy bitcoin?

Instead of accumulation towards a full Bitcoin goal, save Bitcoins each week according to your financial capacity. If you decide to accumulate Bitcoins beyond your financial capacity, it will not be the right decision to continue in the long term. Your household expenses may decrease or increase and the amount of accumulate Bitcoin each week will not remain the same. Use discretionary income to accumulate Bitcoins and maintain the necessary measures for long term survival, such as an emergency fund. Focus on creating multiple sources of income because increasing the amount of weekly accumulation requires psychological preparation. If you want to build a decent portfolio over a set period of time (4-10 years) and go into the overaccumulation stage, stick to the DCA method regularly.

[johnsaributua]

The price of Bitcoin is gradually adding more value even though price always fluctuating to balance momentum. It will take a longer time for an average Bitcoin investor that is working and investing in Bitcoin from part of his salary than 10 years ago when the price of Bitcoin was still little and very affordable for anyone to accumulate.

Price keeps increasing as the adoption of Bitcoin increases. There was a time when the price of Bitcoin reaches $120k which shows that the value skyrocket and it will become very difficult for an ordinary investor to accumulate up to 1 BTC in a short period of time if he is not getting huge salary.

The comparison you said is too far because before it happened like now of course in mid-September it was still around $105,000 meaning that a year ago the price was still quite high at that number so with the current price some people feel like they are missing out on many opportunities because basically what everyone wants now is that the price can go up again and not always at the current number because many things make many people hesitate now to make a purchase because the market price does not support or motivate those who want the price not to be like the current one at $60,000 at least an investor will also make a purchase if the market price continues to show signs of increasing and they also do not mind when they accumulate Bitcoin the price is more than now because they also always do regular accumulation whether the price is decreasing or increasing.

This first happened in 2013 which was when the market price skyrocketed so incredibly that at that time many benefits were experienced by those who had accumulated before the skyrocketing price for example, before the highest price occurred, they had accumulated in large amounts because at that time sometimes many people had no difficulty in accumulating so many of their assets had been collected in the form of the number of BTC they owned so when the price occurred it made them feel like they had difficulty accumulating because the price was quite high so one of them was holding back from buying first because the price made them not support BTC accumulation and of course when the price was like that there must be some who sold a little and did not sell everything they had because they also thought that there might be another price increase especially when it was at $120,000 and they also thought that there would definitely be an increase to a number more than that so they sold and enjoyed the results of their struggle for years in accumulating when the price was still below what they experienced at that time.

[Awaklara]

Instead of accumulation towards a full Bitcoin goal, save Bitcoins each week according to your financial capacity. If you decide to accumulate Bitcoins beyond your financial capacity, it will not be the right decision to continue in the long term. Your household expenses may decrease or increase and the amount of accumulate Bitcoin each week will not remain the same. Use discretionary income to accumulate Bitcoins and maintain the necessary measures for long term survival, such as an emergency fund. Focus on creating multiple sources of income because increasing the amount of weekly accumulation requires psychological preparation. If you want to build a decent portfolio over a set period of time (4-10 years) and go into the overaccumulation stage, stick to the DCA method regularly.

We really don't need to force ourselves to allocate a larger amount for Bitcoin accumulation just to shorten the time to reach the target, because something will always be sacrificed in that situation, and the time frame is quite long.
But some people use achievement targets as motivation to keep working hard to meet their needs, one of which is to make more money that can be allocated to the investment planning they are doing. It's not for everyone, but it would be better for those who want to do it to first understand financial management.

[alankasman]

...

Instead of accumulation towards a full Bitcoin goal, save Bitcoins each week according to your financial capacity. If you decide to accumulate Bitcoins beyond your financial capacity, it will not be the right decision to continue in the long term. Your household expenses may decrease or increase and the amount of accumulate Bitcoin each week will not remain the same. Use discretionary income to accumulate Bitcoins and maintain the necessary measures for long term survival, such as an emergency fund. Focus on creating multiple sources of income because increasing the amount of weekly accumulation requires psychological preparation. If you want to build a decent portfolio over a set period of time (4-10 years) and go into the overaccumulation stage, stick to the DCA method regularly.

That's one of the things that must be done by those who want to achieve their goals because if the target is not done in such a way it will certainly be difficult for them to achieve what they targeted before starting for example, they have a monthly income so after receiving the results obtained in that month of course what they must do is look at their needs first. After that is met they should do our goals and targets to make Bitcoin purchases. We do it in a year of course without us realizing what we are targeting can be achieved within that year especially also sometimes seeing our monthly income is always stable it is better if we do it with a long-term pattern either 5-10 years so that this is certain that the targets we dream of will certainly be achieved according to our expectations.

But what needs to be noted is that if we do it with a pattern like that our lifestyle will not be better because the results we get in a month are only for two things namely for needs and for investment as our goal in achieving the target that has been our goal in obtaining it and also our lifestyle as long as we do these two things will be mediocre because we only follow our desires first one of our expenses must also be used for things that are needed so that this does not occur at a crossroads in doing both for needs and also our goals in making investments we do not need to touch after deciding on the time we have set so being regular in doing is the key to achieving the goals or targets that we want.

[Slimzeee]

My main goal is not necessarily to accumulate a full 1 BTC. If I eventually achieve that within my lifetime, I would be very satisfied but it is not my only measure of success.
Also, if I have to wait until I am 65 before I can make use of the Bitcoin I’ve accumulated, it raises the question of how I am truly contributing to Bitcoin being used as a medium of exchange?

Yes, I plan to keep accumulating Bitcoin, but only within a realistic and sustainable budget that I have set aside. It’s important to recognize that Bitcoin’s price is not static. For example, $50 worth of Bitcoin 10 years ago is significantly different from what $50 can buy today. If we project that trend into the next 10 years, it becomes clear that accumulation timelines will vary significantly.
Therefore, your approach should evolve alongside your income, financial situation, and changing market conditions.

[SmartCharpa]

If we consistently buy with a Budget of $50 per week, it seems like it will take us almost 32 years to reach 1 BTC. Is that too long to reach 1 BTC? Do we need to budget more Money to reach 1 btc in our portfolio?

Well, if we Buy with a budget of $500 per week, it might only take us 3.5 years to reach 1 BTC.

I think we should calculate how long we will continue buying bitcoin and when we will enjoy it. Because if we are 30 years old, it will take us 32 years to reach 1 BTC with $50 per week. By the time we are 62, We will have 1 BTC.
Do you estimate how long You have set aside to buy bitcoin?

Though investing in Bitcoin is not as if it’s a must to own 1 BTC, that will be very difficult to achieve. You said with a budget of $50 weekly it will take up to 32 years to own one Bitcoin, but you never thought about the price and what it could become, because the more Bitcoin continues to increase in value, the lower your $50 will be to buy in those years, so your calculation is based on the current value of Bitcoin.

Nobody should pressure themselves only because they want to own 1 Bitcoin in some years. Everyone has their own target, and we don’t have the same income. If you insist that you must own 1 Bitcoin, then you should be ready for the ups and downs because you will increase your budget whenever the market goes up. Many people investing in Bitcoin is not about owning 1 BTC, everyone has their own target based on what they can afford.

[Itz-prisigold]

Personally, I don't think it about how fast and investor can get to 1 BTC,  but whether your own bitcoin plan can continue to support you in the long term. So many investors put all their focus on getting to a specific target, that they end up forgetting the importance of consistency.  Yes while achieving 1 BTC is a very great achievement but it should not be done at the expense of our financial stability or other significant life goals.

For me, what matter the more is not really about owning 1 BTC but the worth of the Bitcoin that you have been able to accumulate over the years.  Even if Bitcoin continues to rise in value, properly investing small amounts consistently over time can make a very big difference in the future. Instead of us trying to compare ourselves with those who can invest more, it will be better to put our focus on steadily increasing our investments over time, based on our income and responsibilities.

The strategy that works the best is one that you can follow during the bull and bear markets without putting unnecessary pressure on your finances.

[bitmover]

Well if we have a hypothetical of a guy who is right around 30 years old, and he considers that he has something like a 30 year investment timeline, then we could attempt to project out our numbers and to attempt to follow a plan that is as aggressive as we are able to be in bitcoin accumulation.

So, we could create an excel spreadsheet to try to project out our income, the cost of living,  changes in our expectations of the price of bitcoin.

There might be expectations that we are able to invest more aggressively than we are really capable of investing, and frequently, I like to suggest that if guys can ongoingly invest 10% of their income, then they are doing quite well, yet in order to accomplish such a thing of being able to invest 10% of their income for up to 30 years, they may well need to have somewhere in the ballpark of 20% to 30% of their income as discretionary funds.

Even if we take the example of a guy consistently investing $50 per week, is he also saving $50 per week and perhaps discretionarily consuming somewhere in the ballpark of $50 per week?  That would be a total of $150 per week, which may well mean that his income would need to be right around $1,500 per week which would be around $6.5k per month, which would be $78k per year... and yeah, I think that we are not talking those kinds of numbers.. .

Yet I frequently suggest that guys who have a $30k per year income (which is $2,500 per month) would be able to invest $100 per week into bitcoin.. so if we say that this person has an income of $15k per year, then that is only an income of less than $300 per week, and so if a guy is investing right around 16.7% of his income into bitcoin, then does he have enough discretionary funds available to also put into savings (back up funds) and also to discretionarily consume a similar amount?  Sure maybe those other categories need to be smaller, yet if a guy is going to be sustainable he does need back up funds and to be able to discretionarily consume.

He might be able to increase his discretionary funds by increasing his income and/or by decreasing his expenses, yet also over the years, we would expect that his income is going to go up between 3% and 5% per year (perhaps)? but the cost of living might go up by more? and surely bitcoin prices are likely to, on average, appreciate more than either his income or his costs of living.

...

Personally, I like to try to measure targets based on our own income and perhaps trying to use our own income as something that we might want to strive to be able to replace, so if a person has an income of $15k per year and he is 30 years old, then maybe he would expect his income to double every 10 years, but ONLY if he is able to get promotions and meaningful increases in his wages.  So then he might have a target to build his bitcoin investment to be 10x the size of his income so that he can start to withdraw from his bitcoin investment.  These are not easy targets, but there are ways that making withdrawals from investments can be attempted to be sustainable rather than aiming to draw down the principle.
....

There is nothing wrong with having a steady accumulation plan, yet even though there might be some years that you are able to accumulate more bitcoin than previous years, the trend seems to be the opposite.  Each year it is quite likely that you will not be able to accumulate as much BTC as you were able to accumulate in prior years, even though maybe your income had also gone up. So there is some value in trying to accumulate bitcoin as soon as you can and as much as you can at earlier points in time, and likely if you are looking back 10-15 years or greater down the road, you will likely see that you were able to accumulate more bitcoin in your earlier years as compared to your later years.

Bitcoin was certainly the best and most successful financial decision of my life and many of forum members life' (probably yours too).

I still think it is the best asset in the world.

But recently I have been considering if such aggressive bitcoin portfolio allocation is the best strategy.

Certainly users who want to accumulate bitcoin shouldn't think much and just make a few aggressive buys, maybe even at once and now all the money they want to allocate in bitcoin, as the price is already close to 200 WMA.

But even in current prices I still have about 25-30% of my overall portfolio allocated in bitcoin. I wonder if this is still a good idea.

Bitcoin upward potential isn't so great anymore. What do we (me, you, all of us) really expect for the next ATH? Certainly it is not 250k. Maybe 150k? 170k?

The past performance of the past cycle wasn't great. This is the 5Y performance of SP500 and bitcoin. Exactly the same.



So, holding bitcoin for the past 5 years didn't pay off. You would be much better just holding SP500 (less risk, less volatility, etc).

I also addded gold to the chart, which had an incredible performance of 130% while bitcoin only 90%.

Maybe we are missing a lot of opportunities elsewhere. I won't even add the NVIDIA graph to the above chart, as NVIDIA performance 1000% and bitcoin only 93%.

I am considering reducing my BTC in the next cycle (as I won't sell in these levels), to about 15-20% overall (selling 30-40% of my stash), as I think bitcoin upward potential is reaching a limit. Maybe people are tired of this narrative?

[Bluedrem]

Personally, I like to try to measure targets based on our own income and perhaps trying to use our own income as something that we might want to strive to be able to replace, so if a person has an income of $15k per year and he is 30 years old, then maybe he would expect his income to double every 10 years, but ONLY if he is able to get promotions and meaningful increases in his wages.  So then he might have a target to build his bitcoin investment to be 10x the size of his income so that he can start to withdraw from his bitcoin investment.  These are not easy targets, but there are ways that making withdrawals from investments can be attempted to be sustainable rather than aiming to draw down the principle.

When people's trust in Bitcoin was low and the value of Bitcoin was low, I was not aware of Bitcoin. I became aware of Bitcoin in early 2021 and started studying it lightly. And in 2025, out of curiosity, I found this forum (which is now also useful for my income) and since then I have been trying to save Bitcoin. [Note that I had no income until the last month of 2024] Later, I had two tuitions and I used to allocate most of what I earned from there to buy Bitcoin because I had no initial expenses then and I was still dependent on my family. I have been trying to manage Bitcoin DCA for the past one year. I try to buy Bitcoin every month. I haven't planned to create an emergency fund yet since I don't have any money to set aside for running my family, but sometimes I feel like I should create one now, but I don't want to miss this opportunity when the price of Bitcoin has dropped. Since this is being discussed here, I'd like to know how much I should actually adjust my plan?

[cyberninja2]

Personally, I don't think it about how fast and investor can get to 1 BTC,  but whether your own bitcoin plan can continue to support you in the long term. So many investors put all their focus on getting to a specific target, that they end up forgetting the importance of consistency.  Yes while achieving 1 BTC is a very great achievement but it should not be done at the expense of our financial stability or other significant life goals.

For me, what matter the more is not really about owning 1 BTC but the worth of the Bitcoin that you have been able to accumulate over the years.  Even if Bitcoin continues to rise in value, properly investing small amounts consistently over time can make a very big difference in the future. Instead of us trying to compare ourselves with those who can invest more, it will be better to put our focus on steadily increasing our investments over time, based on our income and responsibilities.

Planning must be strong. One of the strengths we must have in planning is having more sources of income meaning we must have sufficient funds to cover our needs. By investing with a long-term pattern the plan will be stronger when things need to be done but we don't touch what we've already accumulated which has become an investment in our future assets. Having a goal in mind before starting any plan must also be carried out consistently so that this complements the goals and targets that can become a reality for our future according to the plan.

I strongly agree with this idea because sometimes many people don't think as you say even though in general it's better to choose to hold its value for years rather than owning 1 BTC.
The increase in Bitcoin's value isn't a problem for us because we do this consistently. This means not only comparing the amount we own but also the increase in its value. This will benefit us after accumulating Bitcoin for years. Ultimately we are the ones who benefit from the increase in Bitcoin's value over time which we do consistently.

[laspol65]

Instead of accumulation towards a full Bitcoin goal, save Bitcoins each week according to your financial capacity. If you decide to accumulate Bitcoins beyond your financial capacity, it will not be the right decision to continue in the long term. Your household expenses may decrease or increase and the amount of accumulate Bitcoin each week will not remain the same. Use discretionary income to accumulate Bitcoins and maintain the necessary measures for long term survival, such as an emergency fund. Focus on creating multiple sources of income because increasing the amount of weekly accumulation requires psychological preparation. If you want to build a decent portfolio over a set period of time (4-10 years) and go into the overaccumulation stage, stick to the DCA method regularly.

We really don't need to force ourselves to allocate a larger amount for Bitcoin accumulation just to shorten the time to reach the target, because something will always be sacrificed in that situation, and the time frame is quite long.
But some people use achievement targets as motivation to keep working hard to meet their needs, one of which is to make more money that can be allocated to the investment planning they are doing. It's not for everyone, but it would be better for those who want to do it to first understand financial management.

Almost every person can earn money, but few people can take the opportunity to invest in Bitcoin. There are a few people who are ready to take risks and most of the community is not ready to take risks, due to which they cannot improve. If you want to invest in Bitcoin, it is definitely better to follow the DCA method, because the DCA method can change the life of every person. If a low-income person can follow the DCA method regularly, then he will also be able to accumulate a Bitcoin.
Therefore, every person should follow the DCA method and invest in Bitcoin, and gradually increase the amount of Bitcoin investment over time. This DCA method is the best and most effective for both new and old people.

[RockBell]

Instead of accumulation towards a full Bitcoin goal, save Bitcoins each week according to your financial capacity. If you decide to accumulate Bitcoins beyond your financial capacity, it will not be the right decision to continue in the long term. Your household expenses may decrease or increase and the amount of accumulate Bitcoin each week will not remain the same. Use discretionary income to accumulate Bitcoins and maintain the necessary measures for long term survival, such as an emergency fund. Focus on creating multiple sources of income because increasing the amount of weekly accumulation requires psychological preparation. If you want to build a decent portfolio over a set period of time (4-10 years) and go into the overaccumulation stage, stick to the DCA method regularly.

We really don't need to force ourselves to allocate a larger amount for Bitcoin accumulation just to shorten the time to reach the target, because something will always be sacrificed in that situation, and the time frame is quite long.
But some people use achievement targets as motivation to keep working hard to meet their needs, one of which is to make more money that can be allocated to the investment planning they are doing. It's not for everyone, but it would be better for those who want to do it to first understand financial management.

When I say this I was wondering how I want to buy a single Bitcoin it's something that have been on my mind for a very long time the day I will will own 1 Bitcoin I am going to be happy because I know the value and for now we are going to stick to the Fractional owning since it's what we can afford now but am very sure that it's a matter of time before out dream will come through in owning 1 Bitcoin because the truth of it is that not everyone can own a single Bitcoin so the best thing is for us to invest what we can afford even through the DCA method or even buying the dip.

[B-BossMan]

Op, you know we are individually differences with different plans and perspectives. So in my own thoughts, bitcoin investment begins by identifying your discretionary income or whatever your earning power is, and build goals around what you yourself know you can consistently save and invest into bitcoin. The amount or size of bitcoin should not determined alone, because everyone has thier own target or certain amount of bitcoin target,but all can be achieved by the ability to increase your income, stay discipline and invest over a long-term period.

Irrespective of whether the bitcoin reaches 1BTC or not, the key points is to treat the bitcoin as a long-term goals or wealth building gradually, avoid withdrawals early because a strong portfolio is actually built by several years of consistent steadily accumulation over and over, and this are kind of pattern that are more likely to achieve financial independence for investors. Reaching 1BCT maybe some investors target while some maybe just accumulating enough and allow future withdrawals to be made more sustainable without significantly weakening the main investment plan/based.

[sotelorene]

Instead of accumulation towards a full Bitcoin goal, save Bitcoins each week according to your financial capacity. If you decide to accumulate Bitcoins beyond your financial capacity, it will not be the right decision to continue in the long term. Your household expenses may decrease or increase and the amount of accumulate Bitcoin each week will not remain the same. Use discretionary income to accumulate Bitcoins and maintain the necessary measures for long term survival, such as an emergency fund. Focus on creating multiple sources of income because increasing the amount of weekly accumulation requires psychological preparation. If you want to build a decent portfolio over a set period of time (4-10 years) and go into the overaccumulation stage, stick to the DCA method regularly.

We really don't need to force ourselves to allocate a larger amount for Bitcoin accumulation just to shorten the time to reach the target, because something will always be sacrificed in that situation, and the time frame is quite long.
But some people use achievement targets as motivation to keep working hard to meet their needs, one of which is to make more money that can be allocated to the investment planning they are doing. It's not for everyone, but it would be better for those who want to do it to first understand financial management.

Almost every person can earn money, but few people can take the opportunity to invest in Bitcoin. There are a few people who are ready to take risks and most of the community is not ready to take risks, due to which they cannot improve. If you want to invest in Bitcoin, it is definitely better to follow the DCA method, because the DCA method can change the life of every person. If a low-income person can follow the DCA method regularly, then he will also be able to accumulate a Bitcoin.
Therefore, every person should follow the DCA method and invest in Bitcoin, and gradually increase the amount of Bitcoin investment over time. This DCA method is the best and most effective for both new and old people.

First you should know that Bitcoin investment is not compulsory to everyone but it is very necessary to own an asset like Bitcoin even though the  future of it is not certain or known but we hope it will be great yet it doesn't mean we should carry it in our mind that it will change someone's life because that is not written anywhere.

Moreover, the DCA can not change any life unless an investor approach or use it correctly because there are folks that are very reckless about their DCA method of accumulating Bitcoin and you cannot expect this method to change their lives so this will only be possible if it is been used properly.

[JayJuanGee]

My main goal is not necessarily to accumulate a full 1 BTC. If I eventually achieve that within my lifetime, I would be very satisfied but it is not my only measure of success.
Also, if I have to wait until I am 65 before I can make use of the Bitcoin I’ve accumulated, it raises the question of how I am truly contributing to Bitcoin being used as a medium of exchange?

Yes, I plan to keep accumulating Bitcoin, but only within a realistic and sustainable budget that I have set aside. It’s important to recognize that Bitcoin’s price is not static. For example, $50 worth of Bitcoin 10 years ago is significantly different from what $50 can buy today. If we project that trend into the next 10 years, it becomes clear that accumulation timelines will vary significantly.
Therefore, your approach should evolve alongside your income, financial situation, and changing market conditions.

In my earlier response, I forgot to mention the projection that it is quite likely that less than 1 BTC will be enough to support a sustainable withdrawal rate of $80k per year starting in about late 2039 or early 2040... .You can see the projection, even though in this older projection chart, it appears that it would be possible to sustainably withdraw $80k starting in mid-2037 to late 2037, and each of us could monitor the quantity of our BTC and also the value of the 200-WMA so that we can figure out how many BTC we need to support whatever might be our target sustainable withdrawal rate, and not all guys will consider 10% per year at the 200-WMA valuation to be sustainable, even though I discuss that withdrawal rate level in my sustainable withdrawal thread.

[edited out]

Bitcoin was certainly the best and most successful financial decision of my life and many of forum members life' (probably yours too).
I still think it is the best asset in the world.
But recently I have been considering if such aggressive bitcoin portfolio allocation is the best strategy.

Certainly users who want to accumulate bitcoin shouldn't think much and just make a few aggressive buys, maybe even at once and now all the money they want to allocate in bitcoin, as the price is already close to 200 WMA.
But even in current prices I still have about 25-30% of my overall portfolio allocated in bitcoin. I wonder if this is still a good idea.
Bitcoin upward potential isn't so great anymore. What do we (me, you, all of us) really expect for the next ATH? Certainly it is not 250k. Maybe 150k? 170k?

You are correct that for me, bitcoin has performed way better than any other asset that I had held, so a lot of options come when the asset performs well relative to other assets that we might be holding.

Ever since I got into bitcoin, there have always been questions about both the diminishing returns ideas and the ability of bitcoin to continue to go up, and surely in recent times, we have greater levels of fuckery in terms of bigger and BIGger players seeming to want to suppress bitcoin price and also putting large number of obstacles in the ability to be able to use it peer to peer and to also preserve your privacy and security.

Furthermore, as you seem to be suggesting, past performance does not guarantee future results, and so, on an individual level we are ongoingly faced with choices in regards to how much we allocate into bitcoin as compared with how much we might keep in fiat as compared to how much we might put in various other assets and/or investment opportunities, to the extent we might find those allocation locations to be reliable and/or having future price performance potential.

So of course we make choices in regards to how aggressive or how whimpy we might want to be and/or if we might believe that it is more reasonable to take some stance in between.  

Don't get me wrong.  I am always trying to find my own way out, even when I suggest that guys should try to invest into bitcoin as aggressively as they can without overdoing it, since in the end, they are the one who has to figure out and choose how aggressive they want to be and how much that it, without over doing it.

The past performance of the past cycle wasn't great. This is the 5Y performance of SP500 and bitcoin. Exactly the same.

So, holding bitcoin for the past 5 years didn't pay off. You would be much better just holding SP500 (less risk, less volatility, etc).

Sure.  We can take a snapshot at any particular time and find that bitcoin's performance is going to vary as compared with other assets, especially if bitcoin is in a correction period and the other asset is in a higher performance period, and so for sure there is no guarantee that bitcoin is going to outperform any other asset, even though over longer periods of time, bitcoin has so far outperformed a good number of other assets, there surely can be glitches and there can also be what if I had invested in that particular asset instead of bitcoin.  Easy to get distracted into inferior products, and yeah, maybe you will get lucky to switch, and maybe you won't?

I also addded gold to the chart, which had an incredible performance of 130% while bitcoin only 90%.
Maybe we are missing a lot of opportunities elsewhere. I won't even add the NVIDIA graph to the above chart, as NVIDIA performance 1000% and bitcoin only 93%.

And, of course that is your choice to figure out if you want to switch or even to change some of your allocations.  Guys have to account for their own stage in their investment journey too in terms of potentially how many bitcoin that they had already acquired would factor into the matter, and so guys are going to be at different stages of their bitcoin accumulation journey and they may or may not feel that they are able to put some or all of their value into other assets, and if guys are considering bitcoin ONLY in terms of number go up, then they might be missing some of the other reasons to be in bitcoin in terms of self-sovereignty options - even though surely we know that there are ongoing and persistent attacks on the self-sovereignty angle of bitcoin, even though it still exists and remains a strong bitcoin attribute.

Sure there are likely some commodities and/or assets that are doing great right now, and we likely realize that a lot of assets and/or commodities may well have monetary properties, as is the case for gold, and how bitcoin had been compared with gold at various times in regards to its monetary properties, so surely any of us who might attempt to appreciate bitcoin for its monetary properties, we might well reasonably assess bitcoin as having something like 1,000x better monetary properties as gold, even though currently bitcoin has a market cap that is about 1/20th of gold's market cap... and so yeah, we might not know how monetary dynamics will continue to play out, and surely there are ongoing and continued attempts to attack bitcoin's monetary properties, and those attacks may or may not end up being successful... Whether or not bitcoin's market cap ends up coming to a better "fair market" value as compared to gold could take 50 years to 200 years to work out, and surely there are no guarantees how the market will work out the matter, since fair market value is likely what others are ready, willing and able to pay, so there can be ways that assessments of "fair market value" are made, yet the assessments are wrong.

By the way, as a reminder monetary properties relate to verifiability, scarcity, fungibility, transportability, divisibility and even costs of transportation/storage and abilities to hold as a bearer instrument. .. which any depth of though should establish that bitcoin is likely the best and/or most sound money that man has ever discovered/invented.. even if there are chances that bitcoin could still end up being broken or attacked into oblivion.. possible? yes. likely?  still to be determined.

Historically, bitcoin has been the underdog.. and also difficult to attack, even though the attack vectors are internal and external and so frequently there can be lapses in confidence in terms of bitcoin's ability to get through these periods and even questions about the extent to which it might be possible to contain and/or co-opt it.

I am considering reducing my BTC in the next cycle (as I won't sell in these levels), to about 15-20% overall (selling 30-40% of my stash), as I think bitcoin upward potential is reaching a limit. Maybe people are tired of this narrative?

Guys who have been in bitcoin longer  may well be in better positions to sell some of their coin, whether they are at sustainable withdrawal levels or not, and sure, if you treat bitcoin as just one asset in your portfolio of a variety of assets, you might never reach sustainable withdrawal in terms of your own bitcoin stash - to the extent that the sustainable withdrawal theme continues to play out in bitcoin, and I don't see how bitcoin's sustainable withdrawal theme is broken.  

Of course, in this particular thread, guys are talking about getting to 1 bitcoin whether that is $50 per week or $500 per week or some other amount, and so some guys might be struggling to just get to a meaningfully sized bitcoin stash, to the extent that 1 BTC might be considered meaningful right now as compared with 5-30 years into the future.  It does seem to me that if guys have a relatively long investment timeline, and it is even 10 to 30 years, then it seems quite likely to me that 1 bitcoin or even quite lower quantities of bitcoin will have some reasonably decent chances of being able to support fairly large sustainable withdrawal levels, yet of course, there are never any guarantees regarding the projected abilities to later be able to start to withdraw from bitcoin in a sustainable and/or meaningful way, if that might be the purpose of accumulating bitcoin for 10-30 years or more, then at some point along the way, there may well be some goals to want to be able to start to sustainably withdraw from the BTC holdings (and not necessarily to sell large portions of it at once or to diversify into some potentially inferior asset).

Personally, I like to try to measure targets based on our own income and perhaps trying to use our own income as something that we might want to strive to be able to replace, so if a person has an income of $15k per year and he is 30 years old, then maybe he would expect his income to double every 10 years, but ONLY if he is able to get promotions and meaningful increases in his wages.  So then he might have a target to build his bitcoin investment to be 10x the size of his income so that he can start to withdraw from his bitcoin investment.  These are not easy targets, but there are ways that making withdrawals from investments can be attempted to be sustainable rather than aiming to draw down the principle.

When people's trust in Bitcoin was low and the value of Bitcoin was low, I was not aware of Bitcoin. I became aware of Bitcoin in early 2021 and started studying it lightly. And in 2025, out of curiosity, I found this forum (which is now also useful for my income) and since then I have been trying to save Bitcoin. [Note that I had no income until the last month of 2024] Later, I had two tuitions and I used to allocate most of what I earned from there to buy Bitcoin because I had no initial expenses then and I was still dependent on my family. I have been trying to manage Bitcoin DCA for the past one year. I try to buy Bitcoin every month. I haven't planned to create an emergency fund yet since I don't have any money to set aside for running my family, but sometimes I feel like I should create one now, but I don't want to miss this opportunity when the price of Bitcoin has dropped. Since this is being discussed here, I'd like to know how much I should actually adjust my plan?

It is likely that you have heard me say, on numerous occasions, that the level of aggressiveness relates to personal preferences, and whether you label your back up funds as emergency funds or not, you have to have some level of back up funds to cover any loss of income and/or increase in expenses that you might have, and sure, if you have quite a few of your expenses that had been covered by your family, then you may well not need to have as large of a back up fund.

Of course, so many of us suggest that there are needs to build up your back up funds to be at least 3 months of your expenses, which sometimes can seem like a lot of unworking cash just sitting around, and so frequently, many of us will suggest building up the bitcoin holdings at the same rate as the back up funds, and surely there still can be ways to short cut on the back up funds to some extent, yet it seems that the more and more that we invest into bitcoin, the better it would be to keep larger amounts of cash on hand, so that we never have to tap into our bitcoin at a time that is not of our own choosing, and since we may well be trying to invest into bitcoin as aggressively as we are able to invest into it (without overdoing it), then we likely are ongoingly putting money into it on a weekly basis and maybe even just figuring out ways that we can increase our discretionary income so that we would be able to put more and more into bitcoin.

You may also know that I am not a great fan of increasing aggressiveness based on our perceptions of bitcoin price movements, yet surely the stronger our cashflow management and the greater our back up funds, the more likely that we are able to push our levels of aggressiveness in bitcoin accumulation to higher levels.

For sure, many guys might struggle to ongoingly invest 10% or so of their income into bitcoin, and any guys who are able to invest 20% of their income or greater into bitcoin, they are likely going to build up their bitcoin stash faster, so there are advantages when guys can figure out ways that they are able to accomplish such high levels of bitcoin investment within the scope of their discretionary funds.. especially since it can be challenging to obtain jobs that pay so well and also to be able to also keep expenses down to such a level that the money is available for bitcoin investing.

Ultimately, even though I would be suggesting that you have to figure out your levels, I do think that you need to be making sure that you are building up some reasonable level of back up funds, especially if you are ongoingly building up your bitcoin stash too.. so maybe if you don't want to match the back up funds to the same level of the bitcoin, maybe you might want to focus on building the back up funds at half the rate, even though I have a hard time appreciating if you had put 2-3 months of your expenses(or income) into bitcoin, and if your back up funds are less than a month, that might be irresponsible and overly risky...even though it is ultimately your choice regarding both how aggressive you are going to be in your buying of bitcoin and how much risk that you are putting yourself and your bitcoin holdings in when you might be choosing to not keep a sufficient amount of cash onhand.  

And, by the way, I consider that the more that we build our bitcoin holdings, even if we might get our bitcoin holdings up to 6 months or more of our annual income, we still likely have to continue to build up our cash too, and yeah, maybe we build up the cash at a lower rate, but we likely need to keep building it up, which is likely a way of diversifying, even if our main focus would likely continue to be on building our bitcoin stash and even at the same time, our bitcoin's value might be fluctuating quite extensively in either direction, we still have to figure out ways to calculate the value of our bitcoin in reasonable ways and not get distracted by great changes in the bitcoin price and also changes in the value of the bitcoin that we are holding (and presumptively continuing to build up).

[edited out]

When I say this I was wondering how I want to buy a single Bitcoin it's something that have been on my mind for a very long time the day I will will own 1 Bitcoin I am going to be happy because I know the value and for now we are going to stick to the Fractional owning since it's what we can afford now but am very sure that it's a matter of time before out dream will come through in owning 1 Bitcoin because the truth of it is that not everyone can own a single Bitcoin so the best thing is for us to invest what we can afford even through the DCA method or even buying the dip.

You have been registered on the forum since September 2021, so you have had opportunities to make some progress in both building up your bitcoin stack but also to make sure that you are strengthening and/or maintaining good cashflow management practices/systems.  Nearly 5 years is a good amount of time to get accustomed to bitcoin and to build at the same time. It tends to take a long time to build bitcoin holdings, and frequently, we likely feel that we are not making much if any progress.  

By the way, I just looked up your registration date, and if you had been buying $50 per week of bitcoin since September 2021, then you would have had invested $12.5k, and you would have had accumulated nearly 0.3BTC.. which surely would be a good place to be, yet if you were to want to get to 1 BTC within the next 5-10 years, you might have to increase your weekly buys to $300 or more... but yeah, sometimes we have to figure out how realistic it might be to accumulate a certain quantity of bitcoin within our own budget and what we might need to do to try to increase our discretionary funds if we might not have enough discretionary funds to meet our time and/or bitcoin accumulation targets.

Regarding your statement about being able to buy more based on "buying the dip," that seems to be a wrong way of thinking about bitcoin accumulation.  

In other words, you should be able to ongoingly buy bitcoin, and perhaps from time to time, you will get extra money that you are able to put into bitcoin, such as some kind of a bonus at work or some other income or receipt of extra money or even cutting of some expenses that causes extra funds to come available and to be available for bitcoin investing.  Once we are ongoingly buying bitcoin and we are managing our cashflows, then we are likely putting ourselves in a position to be able to take advantage of extra money when it comes in, without necessarily considering that we have to discretionarily consume with all of our extra money as soon as it comes in... Once we are investing in bitcoin and also strengthening our back up funds, we likely consider those as places that we can put extra money if and when it comes in.

[BluebloodCXVI]

Well we can only speculate about how long it will take for someone to reach 1 BTC because there is no specific timeline that applies to everyone. We all have different incomes, savings rates, investment budgets, and buying frequencies, so some people will definitely get there much faster than the others. Certainly there are some factors such as changes in income, bitcoin’s price, and unexpected financial obligations that can also affect the journey of reaching that milestone. One thing i sure know damn well is that reaching 1 BTC is generally not a short-term goal for most people, but rather it is a milestone that usually requires patience, consistency, and time.
Somebody that is investing $100 per month could take many years before they can reach 1btc while someone doing maybe $500-$1000 per month could get there much faster. If bitcoin rises while you’re in your buying phase, then reaching 1btc faster becomes harder because you’re buying less bitcoin for more dollars. But if the price falls during part of your accumulation period, then you may probably reach 1 BTC sooner because your DCA buys more sats for the same amount of dollars you normally use.

[Bitcoin_people]

Since the price of Bitcoin is constantly increasing and its demand is also increasing, it will take many years for a common person to reach 1 Bitcoin. We know that in recent times there are many people who own a lot of Bitcoins and who have enough money, they can easily invest up to 1 Bitcoin in a short time. But for a poor and middle class person to reach 1 Bitcoin investment, their life can go to the end depending on their income. Since the price of Bitcoin will not remain stable, its price will often go to a very high level as we have seen in the past, the Bitcoin market was very low but now it is very high. In the future, the price of Bitcoin will increase further, in that case, if a poor and middle class person invests and dreams of depositing 1 Bitcoin in his wallet, then I think it is not possible. Those who have financial problems can never prolong their investment by working and fail to fulfill their dreams, basically if you have a job, there is a certain amount of salary but due to inflation, people cannot improve their standard of living.  As a result, poor people can save a small amount of money from their salary and buy a small amount of Bitcoin, but if their dream is to own 1 Bitcoin, it is not possible to fulfill it.

[Bluedrem]

~~~

And, by the way, I consider that the more that we build our bitcoin holdings, even if we might get our bitcoin holdings up to 6 months or more of our annual income, we still likely have to continue to build up our cash too, and yeah, maybe we build up the cash at a lower rate, but we likely need to keep building it up, which is likely a way of diversifying, even if our main focus would likely continue to be on building our bitcoin stash and even at the same time, our bitcoin's value might be fluctuating quite extensively in either direction, we still have to figure out ways to calculate the value of our bitcoin in reasonable ways and not get distracted by great changes in the bitcoin price and also changes in the value of the bitcoin that we are holding (and presumptively continuing to build up).

Thanks JJG . I understand your point.
So I think I should now create an emergency fund in addition to investing in Bitcoin. So that in case of emergency, the Bitcoin portfolio can be held, i.e., they do not need to be converted into cash. Although I have considered my family's emergency fund as my own fund until now, but your comment makes me think that I also need to have a personal emergency fund since I have to hold my Bitcoin portfolio for a long time. Okay, from now on, I will invest some of my income in Bitcoin and create an emergency fund with some part and save the remaining part separately to diversify my investments.
However, I think that I should create a fund by saving small amounts of money regularly in addition to all these funds, through which I can add some one-time Bitcoin to my portfolio in the future along with DCA in DIP. Which I have done this year too.