The dude is not totally wrong neither is the dude totally correct, DCAing weekly will make an investor grow their portfolio faster than someone that is investing monthly but the things is that it depends on the amount these investors are using to invest so if someone is using DCA method for weekly and they are not consistent or they are not using a good amount to invest someone that is investing monthly will grow their portfolio more if they are using a good amount than someone who is investing weekly. But whether investing with good amount or not the most important is to just start.

The importance of an emergency fund is immense to avoid premature sale of investments.

You need to create an emergency fund to manage your investments in a disciplined and risk-free manner. Every person who is motivated to invest should know that you should create an emergency fund equivalent to 3-6 months of your salary.

Also, invest from such money that even if lost, it will not affect your life. Maintain sufficient liquidity in yourself.

Even if you do not have to sell your investments prematurely, in addition to creating an emergency fund, allocate some money and be mentally prepared. When the market price drops, buy. Do not think about selling. Then the investment will be sustainable and strong. Try to buy as much as possible and invest for the long term. Hopefully, you will get a profitable return from the investment. Which will be 2× or 4× more than the amount you invested.

I get where you’re coming from about diversifying, but from my own experience in 2025 that still doesn’t replace a real emergency fund. Other ‘profitable’ assets can also drop or get locked up right when you need them most. I keep a small cash emergency fund separate so I’m never forced to sell my Bitcoin at a bad time. It’s boring, but it works.

I don't think your point is correct, that you should buy when the market falls. Look, I'm trying to learn about new Bitcoin here. But I have understood this much that waiting for DIP means wasting your valuable time. No one knows when DIP will actually come. Sometimes the price can drop and go even lower. Then the one who bought earlier may suffer a loss. Or you will lose the opportunity to enter the market quickly by waiting for DIP. I shared a thing on our local board that, suppose I waited 6 months to buy DIP. Then the price increased to 175k. If it drops again to 125k and if it is considered DIP. Then the price has become higher than today, there is more loss. So as a newbie, I think DCA reduces the risk for us.

However, buying DIP can be a kind of strategy.  If you keep the DCA method active and the time comes for DIP, you can buy more if you want. However, before buying when the market falls, you should consider your financial situation, long-term goals, and risk-taking ability. If you invest emergency funds or necessary money thinking of buying DIP, you may be forced to sell at a loss when necessary.

This is also important. We can imagine that in the process of building a Bitcoin investment, we may encounter unexpected circumstances, such as health problems that force us to go to the hospital, job problems that force us to be laid off, or other urgent needs. Of course, in these situations, we need money to overcome them. By having emergency funds equivalent to 3-6 months salary., we can get through difficult times without having to sacrifice our investment portfolio. Poor people, in particular, need to be more organized, unlike rich people who may already have thousands of dollars in the bank in case of a shortage of funds, or who can easily get a loan from the bank or from family if they really experience an urgent problem. Meanwhile, the poor do not have many such options. Therefore, emergency funds serve as part of our investment security, because when an emergency arises, we still have a defense, rather than having to sell our Bitcoin assets to address the problem.


The most painful thing about waiting for prices to fall is that you will lose momentum. Let's say the price falls as you expected, then you buy with the amount of money you have prepared, but it turns out that the price continues to fall, while your money has been used up to buy at the previous price, you will definitely regret it, because in reality we cannot accurately know the lowest point of the Bitcoin price. On the other hand, if the price of Bitcoin continues to rise, you will not buy because you are still waiting for the price to fall, which means that you will inevitably buy at a higher price than the current one. So, instead of waiting for the price of Bitcoin to fall or correct, it is better to focus on buying in the long term, focusing on the Dollar Cost Averaging (DCA) method. Buy as soon as your discretionary income is available. After that, you only need consistency in maintaining your Bitcoin investment. You will miss out on opportunities if you decide to wait, you must act quickly if you don't want to fall behind and regret it later.

You’re spot on Sir JayJuanGee. A backup fund is specifically for security and so should be pretty much accessible at all time, not for growth, and this is the main reason why most people prefer to use fiat cash or a more stable and liquid asset that’s not very volatile. And it’s not really because they love having a bunch of cash lying around, but because in the face of an actual emergency like paying a hospital bill, job loss etc, they can easily access their backup funds and not be in the mercy of the volatile market. Let’s say you decide to leave your emergency funds in BTC with hopes that it will grow for you, and maybe you happen to need cash when Bitcoin has dropped by 20% or 30%, that emergency will definitely cost you way more.

Now coming down to diversification, I really don’t see it as a distraction or lack of focus as long as the investor has a good risk management strategy and is not relatively new in his accumulation journey, perhaps must’ve experienced at least 2 to 3 cycles. Inasmuch as Having all one’s funds in Bitcoin might feel like conviction, it kinda also narrows down your risk in a particular volatile asset, which isn’t 100% smart. But this still isn’t a green light that one on the course of attempting to diversify their investment should fill their bag with all sorts of shitcoin, that’s even way worse. I fact that’s more of gambling than diversification. My own definition of diversification would be balancing Bitcoin with cash, maybe a some traditional assets, depending on the investor’s comfort level.

I completely agree with you on the part that people sometimes over complicate things by attempting to get too smart or clever, it’s crucial to just keep things very simple. Bitcoin as your long term investment and cash or stablecoins as your backup funds, this way you won’t be forced to sell your bitcoin in time of emergency in order to sort it out.

DCA buying of Bitcoin can be done weekly or monthly, depends on the Cash flow of the investor. There are investors that received salaries pay every weekend while some investors will have to wait until month ending before receiving salary. The time duration here doesn't matter, rather the key thing is for them to be able to figure out a discretional income from their weekly or monthly salary to be able buy Bitcoin weekly or monthly. what you should also understand is that, an investor that is DCAng weekly and an Investor that DCA monthly doesn't have the same accumulation targets,their goals may be the same but their accumulation targets will always differs and cannot be the same. My points is ,an investor that's accumulating bitcoin consistent monthly may reached his Over-accumulation target faster than an investor that buys bitcoin weekly because of differences in accumulation targets. 

Just like everyone's goals in life differs, same implies to Bitcoin investment, every investor can't have same target cause the amount they can generate for discretionary can't be same, for instance the target of a middle class salary earner and big whales like Blackrock or Saylor can never be same cause the amount those whales generate for discretionary is far more greater than what the middle class investor would generate. With that being said, every investor should invest according the amount of discretionary they can generate, yes the time duration for generating discretionary doesn't matter be it weekly or monthly so far the investor can be consistent regardless of time frame the discretionary is generated, the investor is good to go.

I think he should test the worst scenario on him, if bitcoin dumps 50% tomorrow and his car broke the same day and his mechanic sends him a 5 minute audio message on his WhatsApp, would he be able to cover those expenses without selling his bitcoins, if he can then I guess he have enough emergency funds and he don't have to worry about how much emergency funds I needed, because the importance of emergency funds is one thing and that we all agree on, but how much we need is what I have shared my ideas on.

Life is so unpredictable and full of wrong turns, but we should manage our bitcoin investments in better ways, if we are easily convinced by the market pumps then we should move our funds to cold wallets where we would think 10 times before moving them back to exchanges for booking 100$ of profit.

Fair enough sir, I think that’s good for you as you have every leverage currently to do the dip as you want based on the criteria you just listed for yourself, judging from your bitcoin forum registration date I think you’ve accumulated and invested a decently large portion of bitcoin and hold over time, and yes, you can decide to do your dip which you’ve equally prepared some spare  cash for. But as for we plebs and newbies who are still in our accumulation stage, we’ll stick with our Regular DCAing and remain consistent with our accumulation and hold for the long term and gradually build up our portfolio because we don’t want to wait for the dip to occur before we accumulate bitcoin, we don’t want to miss out on some investment opportunities while waiting for the dip which may or may not occur.