Can small investors actually make good profit with bitcoin ?

[Betwrong]

~I can make all the money I need from just one trade! Being a speculator is only unprofitable for those who don’t know how to trade!!!~

You remind me a guy  who won in Dice several times in row and stated bragging about it in the chat and simultaneously saying to people who were wishing good luck to others that luck is irrelevant here, that's it's all math and stuff, before he lost everything in the next 20 minutes.  Just have the balls to come here when you lose everything and tell about it. It's just a matter of time.

[Gaza13]

Honestly, I think it is better to save Bitcoin for a long time according to your ability than to make a profit from Bitcoin. If those who are new to Bitcoin always look at making a profit from Bitcoin, they may not be able to save Bitcoin for a long time. Because whenever they see that the price of Bitcoin has increased, they will want to sell it. And if the price decreases, they may sell it out of fear.
The most important aspect is where the money that I am saving in Bitcoin is coming from. Everyone can buy Bitcoin, but its real importance is who can save it for a long time without selling it. Continue saving in Bitcoin from the discretionary income that remains after meeting all the necessary expenses, such as daily expenses, family responsibilities, and without using money for emergencies.

The ultimate goal of every investor is to build a solid position over time so they can make profit. Even though profit is not guaranteed…. it is normal for folks to expect their investment to be successful long term. Just don’t put too much focus on it. Because when a person start focusing on the profit aspect alone(especially beginners). It can make him too eager to sell and take profit when the price goes up, while still in his accumulation stage.

Beginners often lack full conviction or a complete understanding of their investments they may harbor fear or feel uneasy about the capital they have committed, especially when faced with market fluctuations. Consequently, they tend to lock in profits the moment their assets rise in value. We have likely all experienced such moments, but over time through the process of learning and the evolution of our own perspectives we come to realize that building wealth through investment is a long term endeavor. Achieving a truly ideal financial position in the short term is, for all practical purposes, impossible.

[ruykeri]

Your idea is very good, there are people who have huge amounts of money and they feel like buying through the lump sum, that could be good for them because they have the money, instead of using the money for something else it’s just best they buy bitcoin immediately instead of buy small small buying in large quantities would definitely be better for them, perhaps we can say that buying through DCA is mostly for people who are low income earners and plebs like us who doesn’t have enough discretionary income (left over money) to buy through the lump sum, it’s just better we stick to buying Bitcoin with a techniques we feel comfortable with, every techniques is different and good to buy Bitcoin, as long as we’re not waiting for the dip before buying Bitcoin.

You are right the DCA method is really very convenient for any type of person to invest in bitcoin for a long time. Because if you follow the DCA method and invest you don't have to wait for the price to fall. You can start investing in bitcoin with a small amount. Where you don't have to take any extra pressure. And since bitcoin is a volatile asset you don't have to stop accumulating bitcoin if the price drops or rises. Investing in bitcoin with a large amount creates extra pressure, which the DCA method can reduce a lot. And when it comes to investing in bitcoin you need to create a regular habit which is created by investing in bitcoin regularly using the DCA method. And the most important thing is to create a backup fund along with bitcoin accumulation so that you don't have to force sell bitcoin at the wrong time. And it is possible to create it from the beginning by following the DCA method and also invest in bitcoin. Even if you have discretionary income of any amount you can invest in bitcoin and create a backup fund with it.

[PhilosopherKing]

There is nothing that should happen that should make us to invest in bitcoin with our emergency funds, that's a wrong step for an investor to do, our emergency funds is there to protect our bitcoin investment not to be sold when we haven't reach our bitcoin over accumulation point because when emergency come and there is no emergency funds the next thought will be to sell off.

Bitcoin investment should be done using our discretionary income that is the rightful funds to be use when buying bitcoin, any one using their emergency funds to buy bitcoin is just gambling with their investment as they are indirectly trading with their bitcoin investment.

I disagree with you dude, if someone is investing in Bitcoin and  then fortunately there is no discretionary income to front load or double up when there's Dip, there is nothing wrong in using that emergency funds to double if you have a source of income that can help get back both your discretionary income and your emergency funds in less than no time but if someone doesn't have such source of income they should forget about it so in summary it is a matter of capacity, if you don't have the capacity stay within your reach and means.

Income or no income, it is a very dumb move to invest into bitcoin using your emergency funds. Emergency funds isn’t just some free cash that is kept around to buy the dip. Assuming you buy the dip with that money and then the income that you expected didn’t show up as as when you wanted. And emergency then comes up during that time, what are you now going to do huh?

You are not a seer, and guys like you keep forgetting that life is very unpredictable, stuffs could go wrong in a split of second. Person could loose their job or face one kind of big time emergencies, and stuffs like this don’t inform you before they come, and they sure as hell don’t wait for bitcoin to recover before they happen. This is why you should never take that gamble of investing with emergency money.

[slaman29]

I always say there are 2 ways to do DCA (ok more but this is the easiest 2). Fix a time, and invest whatever you have. This is what I do weekly (after earnings and spendings whatever is left).

Or Fix an amount, and whenever that amount is reached, buy.

Both are easy and just require a fixed amount or time. Salary is a bit more tricky

For concrete level of flexibility, convenient should be what to hold at high esteem, fixing time and that of amount doesn't seem to be good enough because attempting to be some how rigid could affect your other areas of your living expenses, for people who can go with such practices of a fixed time and amount and they can cope, that's there own thing to do because I don't any way buy such ideas and at such it can't work for me either, no fixed amount and time is ok while go with any available discretionary income and at any time that is convenient enough.

Yeah that works too, I'm trying to understand your super long sentence but I think I get what you mean, just 'whenever' is also a form of DCA.

The only thing is to instil some sort of discipline, that's why to either fix the time period to make your buys OR fix the amount saved. If you don't fix either, then you have no 'target' and then DCA becomes very random, and as with money spending, gets pushed to a really low priority.

[Doll2233]

Anyone can make a profit with Bitcoin, regardless of the amount, but doubling your initial investment is quite difficult because you’ll inevitably have to wait a long time for the price to reach twice your initial purchase price. So my question is why not just do it periodically? For example, with DCA, this method is much better suited for small investors because it involves minimal risk and can maximize profits as long as you’re consistent in allocating funds over the long term. This is better than making a one-time purchase and waiting for a 100% return from that single transaction.

Yeah true DCA is one of the strategy for small investors so they can make profit from Bitcoin but not always like if Bitcoin keep on declining then we can still lose buying on highs and it kept on going low so it doesn't always maximize the profit or involves minimum risk. Basically DCA helps us to invest low over time like it spreads our assets in time period i mean our capital our investment over time . If he purchases one time, it can still be a good decision based on the current situation, such as purchasing assets at low prices and then selling them at high prices, but it  has its own risk and benefit. But the thing is, DCA is simply a method of managing our capital over time, not guaranteed profit. The amount of our capital is also important, and the situation of the market too.

[Primark]

Honestly, I think it is better to save Bitcoin for a long time according to your ability than to make a profit from Bitcoin. If those who are new to Bitcoin always look at making a profit from Bitcoin, they may not be able to save Bitcoin for a long time. Because whenever they see that the price of Bitcoin has increased, they will want to sell it. And if the price decreases, they may sell it out of fear.
The most important aspect is where the money that I am saving in Bitcoin is coming from. Everyone can buy Bitcoin, but its real importance is who can save it for a long time without selling it. Continue saving in Bitcoin from the discretionary income that remains after meeting all the necessary expenses, such as daily expenses, family responsibilities, and without using money for emergencies.

The ultimate goal of every investor is to build a solid position over time so they can make profit. Even though profit is not guaranteed…. it is normal for folks to expect their investment to be successful long term. Just don’t put too much focus on it. Because when a person start focusing on the profit aspect alone(especially beginners). It can make him too eager to sell and take profit when the price goes up, while still in his accumulation stage.

If you assume that the ultimate goal of every investor is to make a profit, then other important reasons for investing in Bitcoin are eliminated. I personally think that it is necessary to consider two separate issues: why an investor is buying Bitcoin and what he wants to do with that Bitcoin in the future. There are many investors who buy Bitcoin to maintain control of their assets, some may be to preserve wealth outside the conventional financial system, and some consider the possibility of maintaining purchasing power in the long term. There may be an expectation of profit here, but not everyone's sole or ultimate goal is profit. For those who have collected Bitcoin with the intention of maintaining control of their assets or for long-term wealth preservation, the main goal may not be to make a profit by selling it at a certain price.

[Loyang]

Yeah true DCA is one of the strategy for small investors so they can make profit from Bitcoin but not always like if Bitcoin keep on declining then we can still lose buying on highs and it kept on going low so it doesn't always maximize the profit or involves minimum risk. Basically DCA helps us to invest low over time like it spreads our assets in time period i mean our capital our investment over time . If he purchases one time, it can still be a good decision based on the current situation, such as purchasing assets at low prices and then selling them at high prices, but it  has its own risk and benefit. But the thing is, DCA is simply a method of managing our capital over time, not guaranteed profit. The amount of our capital is also important, and the situation of the market too.

Basically, we are discussing long-term investments in this thread, so it is best not to mislead anyone with the idea of ​​​​getting knowledge related to trading. Trading is very risky and the possibility of losing your money is much higher. Always talk about long-term investments in this thread and protect everyone else from being confused and facing losses.

And yes, DCA is an investment method, DCA never provides certainty of profit. Even if we use the most effective and best investment strategy, there is no certainty of profit from investment. Because the Bitcoin market is completely unknown and no one controls it, if someone controlled the trend, then it would be possible to say how to invest or what we can do to profit from Bitcoin.

[Tonimez]

[Edited out]

If you assume that the ultimate goal of every investor is to make a profit, then other important reasons for investing in Bitcoin are eliminated. I personally think that it is necessary to consider two separate issues: why an investor is buying Bitcoin and what he wants to do with that Bitcoin in the future. There are many investors who buy Bitcoin to maintain control of their assets, some may be to preserve wealth outside the conventional financial system, and some consider the possibility of maintaining purchasing power in the long term. There may be an expectation of profit here, but not everyone's sole or ultimate goal is profit. For those who have collected Bitcoin with the intention of maintaining control of their assets or for long-term wealth preservation, the main goal may not be to make a profit by selling it at a certain price.

Summarily, bitcoin should be approached with a view as a store of value and not from a profit making aspect. Bitcoin's long-term rewards patience in most cases but concentrating on making profit can hinder you from holding your bitcoin for a long-term and you can focus on the chart to monitor when you have enough profits in order to withdraw. This is no longer investment, you suddenly become a trader while chasing profits and the moment you go into trading, your chances of recording losses becomes higher. Even in long-term, profit is not guaranteed but so far I bitcoin has maintained a non rigid cycle which tends to bring a new ATH at the end of the cycle once in every 4 years even though it is not fixed.

[osasshem]

~I can make all the money I need from just one trade! Being a speculator is only unprofitable for those who don’t know how to trade!!!~

You remind me a guy  who won in Dice several times in row and stated bragging about it in the chat and simultaneously saying to people who were wishing good luck to others that luck is irrelevant here, that's it's all math and stuff, before he lost everything in the next 20 minutes.  Just have the balls to come here when you lose everything and tell about it. It's just a matter of time.

It is easy for people to come around and flaunt around with their winnings, and say all sort of things because they are seeing regular wins possibly in a row, and when losses comes, they'll hide in their shells, not saying a word about it. Trading is good for making profits until you face a big loss that will keep you silent and make you start questioning your ego, because a time will come, it will humble you, and that will make you learn the hard way.

[abaeze]

There is nothing that should happen that should make us to invest in bitcoin with our emergency funds, that's a wrong step for an investor to do, our emergency funds is there to protect our bitcoin investment not to be sold when we haven't reach our bitcoin over accumulation point because when emergency come and there is no emergency funds the next thought will be to sell off.

Bitcoin investment should be done using our discretionary income that is the rightful funds to be use when buying bitcoin, any one using their emergency funds to buy bitcoin is just gambling with their investment as they are indirectly trading with their bitcoin investment.

I disagree with you dude, if someone is investing in Bitcoin and  then fortunately there is no discretionary income to front load or double up when there's Dip, there is nothing wrong in using that emergency funds to double if you have a source of income that can help get back both your discretionary income and your emergency funds in less than no time but if someone doesn't have such source of income they should forget about it so in summary it is a matter of capacity, if you don't have the capacity stay within your reach and means.

With some condition that's ok, if you have additional income or are considered the ability and source of income then the situation is a little different.

However, I don't completely agree with you about investing extra in Bitcoin using emergency funds. Because future income and money in hand aren't the same thing. Even if someone has a source of income, how certain that income is in the future can't be guaranteed in advance because suddenly there may be major medical expenses or business losses or those who work may leave. Then, if the price drops by 25%-40% after buying Bitcoin with emergency funds and at the same time his urgent need arises then he may be forced to sell Bitcoin at a loss.

Therefore, taking such risks isn't right, especially for those who are beginners and planning to invest in Bitcoin for the long term.

[LUCKMCFLY]

It is easy for people to come around and flaunt around with their winnings, and say all sort of things because they are seeing regular wins possibly in a row, and when losses comes, they'll hide in their shells, not saying a word about it. Trading is good for making profits until you face a big loss that will keep you silent and make you start questioning your ego, because a time will come, it will humble you, and that will make you learn the hard way.

Well, there are all kinds of people, but what you should consider is this: if we decide to have a BTC investment scheme, investing a small amount of money, there's no problem. It takes much longer, but in the end, you will gain an advantage, a profit, which is what you're looking for.

When you trade, the risk is immediate. If the trader risks more, the chances of losing increase. That's why, especially for trading, you should have a budget just for it, one that you're willing to lose without any regrets and without affecting your daily life.

I use (DCA) with a small amount of money, but I don't even look at how much I have. I just make my mini-deposits on the day I set for them, and that's it. I'm thinking about having that money saved for when my children are in college or something like that; there's still a long way to go before then.

[Webutxo]

Beginners often lack full conviction or a complete understanding of their investments they may harbor fear or feel uneasy about the capital they have committed, especially when faced with market fluctuations. Consequently, they tend to lock in profits the moment their assets rise in value. We have likely all experienced such moments, but over time through the process of learning and the evolution of our own perspectives we come to realize that building wealth through investment is a long term endeavor. Achieving a truly ideal financial position in the short term is, for all practical purposes, impossible.

I think there is a difference between a beginner and a person with small amount of money to invest in crypto. The fact that a person is new to crypto does not mean that the person has small amount of money. A company that used to invests in shares that has never make any investments on Bitcoin can decide to start with a very large amount of money and such person can be regarded as a beginner but doesn't mean that person is a small investor.

Also, a small investor can have conviction and commitment and that company you have always believed to like Bitcoin can have a change of mind. Even Elon musk once sold $500m worth of Bitcoin out of their total Bitcoin and gave excuses that it's because of environmental concern is why they sell. Such person can not be regard as a person with full conviction despite the huge amount of money invested back to then.

[Taskford]

It is easy for people to come around and flaunt around with their winnings, and say all sort of things because they are seeing regular wins possibly in a row, and when losses comes, they'll hide in their shells, not saying a word about it. Trading is good for making profits until you face a big loss that will keep you silent and make you start questioning your ego, because a time will come, it will humble you, and that will make you learn the hard way.

Well, there are all kinds of people, but what you should consider is this: if we decide to have a BTC investment scheme, investing a small amount of money, there's no problem. It takes much longer, but in the end, you will gain an advantage, a profit, which is what you're looking for.

When you trade, the risk is immediate. If the trader risks more, the chances of losing increase. That's why, especially for trading, you should have a budget just for it, one that you're willing to lose without any regrets and without affecting your daily life.

I use (DCA) with a small amount of money, but I don't even look at how much I have. I just make my mini-deposits on the day I set for them, and that's it. I'm thinking about having that money saved for when my children are in college or something like that; there's still a long way to go before then.

There are people have wrong thoughts about Bitcoin, since they got fooled with the price then think about its expensive. Then maybe they might need lots of money to invest in it.

But what they should now, they don't need to put all their wealth in this coin just to start. Small amount is truly fine, taking small step is better than keep doubting. Each accumulation they made counts.

Trading is to risky, also if they research those latest news happening. To many people got liquidated and majority of them didn't expect they will face that situations.

In my case, whenever I have extra funds left from other activities done. I make sure to spend it on Bitcoin, I don't care if I get slow result. Since what's important is I have Bitcoin savings to use in future.

[ChocolateBitcoinK]

There is nothing that should happen that should make us to invest in bitcoin with our emergency funds, that's a wrong step for an investor to do, our emergency funds is there to protect our bitcoin investment not to be sold when we haven't reach our bitcoin over accumulation point because when emergency come and there is no emergency funds the next thought will be to sell off.

Bitcoin investment should be done using our discretionary income that is the rightful funds to be use when buying bitcoin, any one using their emergency funds to buy bitcoin is just gambling with their investment as they are indirectly trading with their bitcoin investment.

I disagree with you dude, if someone is investing in Bitcoin and  then fortunately there is no discretionary income to front load or double up when there's Dip, there is nothing wrong in using that emergency funds to double if you have a source of income that can help get back both your discretionary income and your emergency funds in less than no time but if someone doesn't have such source of income they should forget about it so in summary it is a matter of capacity, if you don't have the capacity stay within your reach and means.

With some condition that's ok, if you have additional income or are considered the ability and source of income then the situation is a little different.

However, I don't completely agree with you about investing extra in Bitcoin using emergency funds. Because future income and money in hand aren't the same thing. Even if someone has a source of income, how certain that income is in the future can't be guaranteed in advance because suddenly there may be major medical expenses or business losses or those who work may leave. Then, if the price drops by 25%-40% after buying Bitcoin with emergency funds and at the same time his urgent need arises then he may be forced to sell Bitcoin at a loss.

Therefore, taking such risks isn't right, especially for those who are beginners and planning to invest in Bitcoin for the long term.

If you have multiple sources of income, you may have a higher risk tolerance than others. I am not in favor of buying Bitcoin with emergency fund money. The main purpose of creating an emergency fund is to ensure your financial security in uncertain situations. This money should be kept in a place that can be used quickly when needed. You have a good job or you have a profitable business. Your current income may seem good, but if you suddenly lose your job or if a family member needs a lot of money for medical treatment, your financial situation can change in an instant.

If you have an emergency fund set aside, you will not be forced to sell your Bitcoin no matter how low the price falls. You will be able to meet your emergency needs. And you will be able to hold on to your investment until the market situation normalizes. You should ensure your financial security before investing. This will ensure that you do not have to sell your investment in an emergency even if there is a major decline in the market. In addition to being patient when investing, you also need to be financially prepared.

[BluebloodCXVI]

I always say there are 2 ways to do DCA (ok more but this is the easiest 2). Fix a time, and invest whatever you have. This is what I do weekly (after earnings and spendings whatever is left).

Or Fix an amount, and whenever that amount is reached, buy.

Both are easy and just require a fixed amount or time. Salary is a bit more tricky

For concrete level of flexibility, convenient should be what to hold at high esteem, fixing time and that of amount doesn't seem to be good enough because attempting to be some how rigid could affect your other areas of your living expenses, for people who can go with such practices of a fixed time and amount and they can cope, that's there own thing to do because I don't any way buy such ideas and at such it can't work for me either, no fixed amount and time is ok while go with any available discretionary income and at any time that is convenient enough.

Yeah that works too, I'm trying to understand your super long sentence but I think I get what you mean, just 'whenever' is also a form of DCA.

The only thing is to instil some sort of discipline, that's why to either fix the time period to make your buys OR fix the amount saved. If you don't fix either, then you have no 'target' and then DCA becomes very random, and as with money spending, gets pushed to a really low priority.

That’s true, some people have irregular income, so naturally their Bitcoin purchases will definitely depend on whenever money becomes available to them.
They can still be intentional about accumulating without following a rigid schedule though because all that matters is for them to hav a consistent commitment to buying within their financial capacity, not necessarily havkng to stick to a fixed amount or date.

[Brizi5000]

If you have multiple sources of income, you may have a higher risk tolerance than others. I am not in favor of buying Bitcoin with emergency fund money. The main purpose of creating an emergency fund is to ensure your financial security in uncertain situations. This money should be kept in a place that can be used quickly when needed. You have a good job or you have a profitable business. Your current income may seem good, but if you suddenly lose your job or if a family member needs a lot of money for medical treatment, your financial situation can change in an instant.

If you have an emergency fund set aside, you will not be forced to sell your Bitcoin no matter how low the price falls. You will be able to meet your emergency needs. And you will be able to hold on to your investment until the market situation normalizes. You should ensure your financial security before investing. This will ensure that you do not have to sell your investment in an emergency even if there is a major decline in the market. In addition to being patient when investing, you also need to be financially prepared.

Building an emergency funds is actually a foundation through which investors can ensure they have the financial security to protect their bitcoin investments not to be sold out prematurely or at a loss during emergency situations.However, not having the emergency funds available shouldn’t also be a barrier why intending investors should not get started with buying bitcoin to invest if they have a discretionary income available.

Before they attempt to invest in bitcoin, what they only need to start is to figure out a discretionary income which is the money left with them after sorting out their basic needs, they can use it to start buying bitcoin without trying to delay the investment building the emergency funds first because to some, this might take them years to build and may end up not even achieving that aim after many years.

That’s why it’s important they should start by using the available discretionary income to accumulate bitcoin and in the process of accumulating bitcoin they can be building the emergency funds gradually either by allocating a part of their discretionary income to buy bitcoin, use the other part for building emergency funds gradually.

[ultrloa]

Yeah that works too, I'm trying to understand your super long sentence but I think I get what you mean, just 'whenever' is also a form of DCA.

The only thing is to instil some sort of discipline, that's why to either fix the time period to make your buys OR fix the amount saved. If you don't fix either, then you have no 'target' and then DCA becomes very random, and as with money spending, gets pushed to a really low priority.

That’s true, some people have irregular income, so naturally their Bitcoin purchases will definitely depend on whenever money becomes available to them.
They can still be intentional about accumulating without following a rigid schedule though because all that matters is for them to hav a consistent commitment to buying within their financial capacity, not necessarily havkng to stick to a fixed amount or date.

Can't expect to see those people having irregular income to do a regular purchase. Because there's probably a time that they don't have enough money to make that purchases.

But still its fine, as long as they choose their aim is to hold and they are eager to find good ways to change their situation. Those irregular purchases might became regular once soon they get a job.

What's important is the effort for making those small steps to happen. Its more important that they already start their investment. Rather than waiting to have stable job before they accumulate, because there's tendencies that those plans they have won't gonna happen.

[Shineup]

Yeah that works too, I'm trying to understand your super long sentence but I think I get what you mean, just 'whenever' is also a form of DCA.

The only thing is to instil some sort of discipline, that's why to either fix the time period to make your buys OR fix the amount saved. If you don't fix either, then you have no 'target' and then DCA becomes very random, and as with money spending, gets pushed to a really low priority.

That’s true, some people have irregular income, so naturally their Bitcoin purchases will definitely depend on whenever money becomes available to them.
They can still be intentional about accumulating without following a rigid schedule though because all that matters is for them to hav a consistent commitment to buying within their financial capacity, not necessarily havkng to stick to a fixed amount or date.

Can't expect to see those people having irregular income to do a regular purchase. Because there's probably a time that they don't have enough money to make that purchases.

But still its fine, as long as they choose their aim is to hold and they are eager to find good ways to change their situation. Those irregular purchases might became regular once soon they get a job.

What's important is the effort for making those small steps to happen. Its more important that they already start their investment. Rather than waiting to have stable job before they accumulate, because there's tendencies that those plans they have won't gonna happen.

We don't as well have to expect those people with a regular income to do a regular purchase because anything can happen at some point where you might not be able to have money available for regular investment even though your income seems to be regular maybe because of the level of important expenses that you have to cover, not meeting up a regular purchase is not a crime whether you have a regular income or not, the most important is that you are making your purchases only after you must have covered your important expenses and you still have some money left for investment.

[Merit.s]

We don't as well have to expect those people with a regular income to do a regular purchase because anything can happen at some point where you might not be able to have money available for regular investment even though your income seems to be regular maybe because of the level of important expenses that you have to cover, not meeting up a regular purchase is not a crime whether you have a regular income or not, the most important is that you are making your purchases only after you must have covered your important expenses and you still have some money left for investment.

Skipping one or two weeks once in a while, due to lack of availability of discretionary income isn't a problem because it's clear that you don't have discretionary income at that time to buy bitcoin. This is because our weekly expenses and basic needs varies sometimes from month to month.

There are some weeks that your basic needs and expensive will be higher than the initial amount, you don't have any option than to take care of it and that will affect the amount of your discretionary income to be smaller, you have to use what you have left to invest and it's the same thing with some weeks that your monthly expenses and basic needs will be very small compared to the initial amount, it means that your discretionary income will be higher, you will buy bitcoin that week with a higher amount from your discretionary income. If there's no discretionary income left, you have to wait till when next your discretionary income is available. It's when you have discretionary income and choose not to buy bitcoin that's wrong.