Don't confuse yourself regarding on those matters because the core principles of DCA is you don't need to wait for dumps to accumulate Bitcoin.

Try to imagine this, if you keep waiting for price to go down there would be lots of miss opportunities will happen. Also for sure you cannot easily spot on those dips that you are waiting for, since you might experience heavy pressure when you see the market is collapsing.

So what's better action to do is not to care much about the price if you want to use DCA strategy, then just accumulate whatever price comes. Because if you are consistent with doing this action there's a chance that you can survive and could able to accumulate more volumes.

DCA method follow is usually done to maintain consistency in investing in Bitcoin. Whether the price of Bitcoin is low or high is not the issue here. DCA method follow is done to invest in Bitcoin regularly with a long time holding mindset. Now if someone does DCA when there is a dip, then it will be a decision to buy Bitcoin depending on the price. This causes more problems than buying regularly. For example, we do not know in advance which is a real dip and which is a temporary correction. So doing DCA by looking at the price and trading becomes almost the same thing. So the most effective use of DCA is to avoid market timing and buy Bitcoin regularly according to your budget.

That right, waiting for dips isn’t DCA at all.
DCA strategy is a method of investing where an investor set aside some along of money for accumulation either weekly basis or monthly without considering about the market price, it just buying consistently at any market price and the weekly or monthly basis is based on the comfort of the investor and the comfort of their finances too.

Waiting for the market price to drop  or dips isn’t DCA and we shouldn’t misunderstand that the two are different things and waiting for dips isn’t a positive approach towards investing in bitcoin because it totally looks like we are just procrastinating the investment and a lot of opportunities can be missed during the time.

For a beginner, starting with DCA is the best strategy, over time, when you gain experience and deep knowledge about investing, I think it would be better for you to invest in a DCA + Dip + Lump Sum mixed strategy. The Bitcoin market is very volatile and does not always move in one direction, rather we see bullish periods in the market and bear or dip periods at times. If we want to move forward in investing quickly, we need to take advantage of every opportunity in the market.

DCA provides us with the opportunity to be active in the market regularly and regularly increase our holdings. During DCA, the price is not important, but we have to continue buying regularly, ignoring the price. When you have a large amount of discretionary money, you can buy as much as you can, which is included in the Lump Sum strategy, but we have to keep DCA active. Even when the market enters a dip, we can still aggressively buy as much Bitcoin as we can at a low price and move quickly towards our goals. That is, we must try to achieve our investment goals by taking advantage of every opportunity for your financial changes and market price changes.

Of course, DCA is an investing strategy, not a trading strategy, yet guys do not have to choose 100% in one or the other, and they could pick some amount that allows them to put some amount into each, and perhaps a guy who mostly believes in investing, yet he wants to dabble in trading, then maybe he would choose to put 90% into investing and allow himself the other 10% into trading.

One of the problems that many traders have is their inability to set limits on themselves and to stick with such limits, so then they allow the limit to devolve into some amount that was not originally in their plan and the increased amount allowed for trading ends up getting more and more out of hand.  We can ONLY do so much to help them to rescue themselves from themselves, and surely from my own opinion, it could take well over a couple of cycles to see the results in terms of investing into bitcoin clearly and unequivocally beating out the trading of bitcoin and/or the screwing around with other trades and/or shitcoins.  There are always too many shiny objects that can lure traders away from investing and tempt them to put more and more value into their trading and/or their shitcoins that end up causing them to lose all or most of the money that they had allocated to those trading and/or shitcoin endeavors.

But, yeah, if they could figure out some formula that is reasonable, such as 90% to investing into bitcoin and 10% to trading/shitcoins and/or other gambling endeavors, then there likely would be no problem with their trying to build the 10% of their bitcoin value that they end up allocating to trading and/or other projects.


You are not describing this very well @Xackie.

You went through the trouble of pointing out person A and person B, but you did not describe their particulars that allowed you to get at the numbers that you had come to.

If you are saying that person A has $4k of income and then $3,500 to $3,600 of basic expenses, so then he ONLY has $400 to $500 remaining in his discretionary income, he has a lot of basic expenses.  So then when later he found out that he has more "important stuff" then are those basic expenses or something else?  I could flesh this out, but it would be better if you were to flesh it out.  You provide a person with such a high income, yet for some reason he has high expenses, too?  Many times people are working with smaller incomes, but still it is understandable that some folks might have high expenses relative to their income.  I also prefer to figure out the weekly amounts that might be available.  

And then once you establish discretionary funds available, then those discretionary funds can be divided into investing, savings and discretionary consumption, and yeah of course, the amount of discretionary funds may well change from time to time based on both income and basic expenses.  

The amount of aggressiveness that a person chooses is from within his discretionary funds he can choose to invest aggressively or not from within the amount of discretionary funds that he has available, and also if he had already spent many months building up both his bitcoin holdings and his back up funds, then he may well have the ability to become more aggressive based on his having greater amounts of back up funds in place.

Maybe sometimes I like to use the example of a person who has an income of $30k per year, which would be $2,500 per month, and so if we presume his basic expenses are $1,500 per month, then that would only leave him with $1k per month of discretionary income that he could divide into $333 for investing, $333 for savings and $333 for discretionary consumption, yet of course, if he is wanting to be more aggressive on the investing portion then he would end up having to subtract from his savings portion and/or his discretionary consumption.

Of course, you can compare two people who have similar circumstances or maybe you want to show different income levels, yet of course, each person might have the ability to invest more or to invest less based on how much discretionary income that they have and how consistent that discretionary income might be.  Frequently we presume that the basic expenses might not be able to be changed, but many times, there is a hierarchy in expenses, and we have some things that are more basic than other things, and I am not even suggesting that a person should not have discretionary consumption, yet they should know how to categorize it so that they can know the extent to which they are spending based on basic expense (which are needs) versus spending on discretionary consumption (which is a want).

If you are mixing and matching your categories, then you are likely not even clear in your own head about the differences between the kinds of expenses so that you can figure out your discretionary income and then figure out how much you have available in order to choose how aggressive that you are able to be with your bitcoin buying and how aggressive you want to be.  The same is true with how much you want to put into savings and how much you want to put into discretionary consumption.


Of course, how aggressive a person chooses to be in his investment is a matter of both choice and a matter of practicality, and of course, the more that a person had already built up his back up funds, then the more cushion he has to be more aggressive in his bitcoin investment based on his having a bit of a cushion in case he makes a mistake and buys overly aggressive then he has back up funds.  So maybe we might consider a default level to be 33% invested, 33% saved and 33% discretionary consumption, yet if a person had spent 3 months with those levels of investment and savings, he might purposefully choose to change it to 50% investment, 25% savings, and  25% discretionary consumption, and he can incrementally change his level of aggressiveness in one direction or another as his bitcoin stack size grows and as his back up funds grow, and sure there might be some pay periods that he has some discretionary consumption matters that come up that cause him to lessen his aggressiveness investing and savings, so maybe one, two or three pay periods, he decides to invest 10%, save 10% and discretionarily consume 80%.  Those are personal choices that sometimes can be altered (or tweaked) in one direction or the other.


Get the fuck out of here with "flexible DCA"

You are trying to mix DCA with buying dips that might not happen.  Don't try to act like "flexible DCA" is better when it is not.

There is strict DCA which means buying bitcoin at whatever level you want periodically, such as weekly with what income that you want to put into it.  Of course, you can fuck around with trying to time dips too, but that is not DCA, even though guys will sometimes hold back some value to try to save up for dips.

DCA allows you to adapt your buys to your own income when it comes in and how much you want to buy each period.  You don't necessarily get a better price, but you do end up being able to stay focused on buying every week no matter the price up until a point that you feel that you have enough or more than enough, and many guys who consider bitcoin as an investment will buy bitcoin in a DCA style for 4-10 years or longer.  The longer that you buy, then the more that you might make adjustments along the way in terms of considering your 9 individual factors.

Yes, there are lots of people who don't really understand what DCA does. When you're just buying when you think the market is at a low you're not really doing a strict DCA you're trying to time the market. Sometimes that will work, but it also means that you may end up waiting for a bigger drop and lose out on months of accumulation as the price continues to climb. The easiest thing about DCA is the simplicity and discipline for the beginner. The regular investment of a fixed sum instills the discipline of investing and minimizes emotion. When the big correction comes in, if additional money becomes available, it is ok to buy more, but not as a substitute for regular DCA.

DCA does not mean buying a certain amount at a certain time, but buying continuously according to your ability. You can set a specific time limit, but it is not mandatory. Considering the situation, you are free to change the time limit and the amount of purchase, but you must be consistent. However, I think it is better to set a time limit considering your situation in DCA, as it will be easier to keep track of and create discipline.

In terms of amount, we can rely on discretionary income. Since our monthly needs and changes in inflation can also change discretionary income, so the amount provided for investment may also change considering the expenses. Invest in DCA with the amount of money you have when you have it.

If you can use the DCA method correctly, you will definitely be successful, in this you will have to maintain the continuity of buying Bitcoin. And you will have to follow new strategies based on which you can maintain your Bitcoin investment in the long term. Especially your plan must be strong, the stronger your future plan is, the easier it will be to maintain your Bitcoin investment.
And this DCA method will help you invest in Bitcoin effectively, and will never settle your mind, but will always attract your mind to Bitcoin investment.


There are many advantages to the DCA method, you can still invest in Bitcoin even if you have less money this week, there are no set rules. You invest as much money as you have in Bitcoin, and in addition to these, you can follow another strategy. Creating an emergency fund. Creating an emergency fund will make your Bitcoin investment more secure.

I completely agree that waiting for prices to fall can never be a substitute for regular DCA. if you keep postponing your purchases in the hope of a price drop, it is no longer a DCA and is a failed attempt at market timing.
However my main point was a little different. The reserve fund I mentioned is not money deducted from the regular DCA budget. A disciplined investor will continue to buy according to its specific schedule no matter what the market is like. Apart from this, if someone has extra spending money or one-time cash comes in that was not allocated to DCA from the beginning then some part of it can be used in a major market crash. It is reasonable to call this a separate capital allocation rather than an alternative to DCA.
Of course, I also agree that many people overestimate their own ability to identify big dips. If the main DCA is not regular due to the extra funds, it is bound to be counterproductive. In that case, it is wise to increase the amount of DCA in the general rule without increasing complexity.
Ultimately, consistency is the real foundation. Any additional strategies should support this rule not mess it up

You have probably rightly highlighted the importance of continuing to buy regularly. But following the DCA method is never guaranteed to ensure that an investor will be successful. The DCA strategy may have many advantages, which is probably why many people feel comfortable following the DCA strategy. One of the few advantages of the DCA strategy is that you do not have to guess the lowest market price every time you buy. You can buy even a small amount within your means consistently. Even doing DCA regularly gives you the opportunity to buy at different prices. But DCA does not eliminate the risk in the market. Even if your financial management is weak, DCA does not fix it. So even if DCA is a good strategy, it can often be wrong to assume that success is guaranteed.

A person may be doing DCA every week, but if a part of his DCA money is for rent, medical or family emergency expenses, then he may be forced to sell at a low price if a sudden problem arises. In this case, even if he follows the DCA strategy, he may not be successful.