Do you now want guys to start waiting for backup fund before they can begin they ongoing investment huh? As a matter of fact person don't have to have backup funds before they can start their ongoingly investment. Having discretionary income and common sense to figure the amount to use is okay for person to use to start with without any delay. To prevent problem of person selling their bitcoin stash before they enter over-accumulation, person can be avoid this things that by investing little by little.

Even if an investor has lot of discretionary income to use, they should not over exposed themselves, better still they can ongoingly invest using little amounts for the start and the rest of the money can be used to build backup and some float money along the way.

It does not define how good the investor base on their starting amount, their plan provably would tell if they have potential or not. New investors could start with small and its understandable because they are just starting up and try to build their confidence. if their knowledge grow and if it happen they made great fortune and their discretionary income increase to. Its  provably logical for those people to adjust and increase the amount they like to use to invest then do DCA on Bitcoin.

For thinking about people start at $10 then use same figures for many many years seem unrealistic. There's provably upgrade will happen and also somehow its important to have long term mindset and be consistent at all cost here. We don't need to start big and strong, what's more important is we have patience and strategy or plans on how we deal Bitcoin for long term.

Of course, I don't think they will have a problem because they are investing a large amount only with their discretionary income meaning they no longer use that income for their needs. It means they have free income so no matter how much they hold they won't have a problem because they are guaranteed to have their spending needs met before they invest the amount they want.
Not only they can do this method if we have the same thing we can also do it with the amount we want because this depends on the income we have and the income we have we use for the needs that are spent so that with the remaining money it has become discretionary funds and no longer needed the money so this is what becomes a little freedom and comfort for them in having a handle in the form of discretionary funds for them to invest by accumulating Bitcoin in any amount they want.

I agree with you. Actually, an investor does not need to create a backup fund before starting to invest. Because it may take a long time to create a backup fund, if you do not invest so much time and just give time to create a backup fund, you will have to remain a no coiner for a long time. A better idea is to create a backup along with regular DCA from discretionary income. As a result, time will not be wasted. Even investment in Bitcoin will be started. Just as a backup fund is important to continue investing in Bitcoin for a long time, it is also important to start investing in Bitcoin early if you have the ability. If someone decides to invest in Bitcoin, it is foolish to wait for such illogical things as forming a backup fund, acquiring enough knowledge, or investing when the price of Bitcoin drops.

Over investing is not something that is unique to newbies alone. In fact from what i have seen, many newbies tend to under invest in the beginning because they are still trying to figure out how bitcoin works and they are afraid of its volatility so most of them would wanna be careful about throwing in money anyhow.

Backup funds is created to help prevent us from selling our bitcoin to cover unexpected expenses so i don’t know how you came up with the idea that having backup funds prevents a person from over investing.
A person can have backup funds and still over invest.

And also, if backup funds is not available to a newbie at the time that they need to start their investment journey, there’s no need to wait to get it first before starting to invest. As long as they have been able to figure out their discretionary income.



Having backup funds should not be a justification for you to increase your bitcoin allocation.
You should consider your cash inflow, your financial obligations, investment goals and risk tolerance before making that decision.

Starting small and remaining consistent is good but if you have the capital, why not start big. If I know that 30% of my income can be invested into Bitcoin I find no reason to reduce it to like 5% when I know that is going to hinder me from meeting my accumulation target.  If the cash is not at hand, then the investor can start very small and then build from there. This is where the DCA method of accumulation because ve 2ry powerful as it has a process of building wealth from minor efforts. The DCA method still remains the best method of accumulating Bitcoin and it is ideal for everyone to apply.

Investing within your own limits is definitely a good decision. But it is quite difficult to guarantee that those who only do fixed small DCA will be successful. Because DCA can reduce your impulsive purchases, it can give you the opportunity to buy without looking at the price, but DCA does not guarantee that you will definitely succeed. Because although Bitcoin is a strong asset in the long term, it has volatility. If you have proper cash management, you may not be successful even if you do DCA.

Another thing is that successful long-term savings may not be possible for everyone with just fixed small DCA. For some, small DCA is good, for some, large DCA, and for some, DCA and lump sum and dip reserve may be better. It depends on the financial situation of the person.

You’re very right, DCA doesn’t guarantee anything as an investor, DCA doesn’t guarantee risk management, DCA would not guarantee that an investor wouldn’t loose money while investing in bitcoin, bitcoin itself is risky, but we have to endeavor to maximize the risk involved with investing in bitcoin with the ability of investors trying to figure out their flaws when it comes to making investments, and applying some sustainable strategies and risk management while still maintaining composure and not considering the risk involved, instead it should be more about staying steadfast as someone who wants to invest in bitcoin for a long term purpose and consistent accumulation, I think that is the primary way of risk management by investing for a long term and also investing what we can afford to lose.

Huh?  The discretionary income is the very max that a person can invest into bitcoin, and you want to suggest that guys can sustainably invest all of their discretionary income into bitcoin and not be over doing it?

What about savings?

What about discretionary consumption?

Both of those other categories come from discretionary income and you want to keep each of those at 0%.  That sounds like overdoing it to me.  At least reasonable amounts of value needs to be allowed for both savings and discretionary consumption, otherwise guys may well either go crazy (from no discretionary consumption) and/or they might even spend beyond their discretionary funds if they don't have savings (back up funds).. .  If you are presuming that back up funds are already sufficiently in place, then sure, there may well be times in which bitcoin investors have sufficient back up funds and they do not have to add to their back up funds, yet even in those cases, the category of back up funds is still likely to not be 0% on an ongoing basis, since even in cases of guys with steady incomes and steady expenses, there are going to be times of variation in their income and/or expenses that justify fluctuations in back up funds.


Aggressive versus wimpy and the amounts are a matter of choice within the boundaries of the discretionary funds.

The discretionary funds provides the upper and lower limits, yet the level of aggressiveness or whimpiness is a matter of choice for the investor.

Of course, if the investor has low levels of back up funds, then it might not be a good idea for them to choose to buy bitcoin aggressively without strengthening the quantity of back up funds that they have, so if they invest aggressively without sufficient levels of back up funds, they may well end up accidentally over doing it based on their insufficient levels of back up funds... yet a the same time, whimpiness versus aggressiveness is a matter of choice within the parameters and they could end up overdoing it in either direction, and they might not even realize that they are overdoing it in either direction until years down the road.

You have to read better.

Odohu said 30%of income, which is different from 30% of discretionary income.

Those formulas are different, so you have to make sure that you know what you are reading so that you are talking about the same thing.

A person who is able to invest 33% of his income into bitcoin consistently would have had invested 1 year of his income into bitcoin in 3 years.  That is not easy to achieve for a lot of people, even though it is possible to do depending on a persons income, and also depending on other resources that he might have.