Planning and consistency are very important to be successful in the long run. In my opinion the biggest strength of DCA is that it can be adapted to everyone's financial situation not limited financial capacity or large DCA. DCA does not mean that everyone has to invest the same amount of money every month. Rather its main idea is to regularly deposit Bitcoin from the excess money that is left after meeting all necessary expenses. If someone has $20 extra per month they will invest $20. If someone has $200 they will invest $200. The important thing here is not the amount But to follow the plan consistently within your ability. It may also be the case that there is no excess income in a month. In my opinion that is not a failure of DCA. It is normal to return to the plan when there is discretionary income again without buying that month. Because the purpose of DCA is not to put anyone under financial pressure but to create a sustainable savings habit over the long term. This is why I think that calling DCA just a good strategy is a bit of an understatement. Especially for most investors it is one of the most realistic strategies. Because it doesn't force anyone to time the market nor does it encourage anyone to invest beyond their means. For me consistency patience and staying within your financial limits are the three most important things to be successful in the long term. Yes DCA is not the only strategy. Those with larger sums of money or different financial circumstances can choose other strategies. But for the average long-term Bitcoin investor DCA is still one of the most realistic strategies. Because it reduces the pressure of timing the market reduces the tendency to make emotional decisions, and helps maintain discipline in the long term.

Of course , everyone have to chose the strategy that best suit their goals and financial capabilities while embarking on bitcoin investment. Personally i think that one of the reasons why DCA is more popular and most commonly used strategy is due to the fact that it suits all kinds of financial status of investors, both low and high income earners can use the DCA strategy to invest according to their financial position. It also allows them the freedom to utilize other buying strategies even while they’re ongoingly buying bitcoin and hold with the DCA. Even more so, for beginners who are presumably having some doubts about certain bitcoin knowledge, it is advisable that they start their investment using the DCA strategy to buy bitcoin with just a discretionary income at their disposal which they can do it either weekly or monthly basis, or depending on when their discretionary income is available so they could learn from their experience while accumulating bitcoin and gain some investment knowledge. For sure, a good financial management skill is very important for every investor, no matter the strategy used in accumulating bitcoin because a wise investor will invest with his discretionary income and to be able to figure out a discretionary income they need to have a good financial management skill, so as they don’t end up investing with money meant to sort out their basic needs or the one they cannot afford to lose.

DCA gives new investors the zeal and and confidence of always wanting to invest since the dca strategy involves little by little accumulation and building up of bitcoin without stressed or pressured to invest more than what you can afford to invest at the moment until you chose to change your strategy to a preferred on .

DCA makes newbies see investing and accumulating and holding bitcoin for a long-term as an easy task to perform not forcing them to more than their capacity, it gives room for adjustment .

I've had many experiences with friends who thought they had to buy at least 1 Bitcoin, but ultimately decided against it. After talking with me, they realized their misunderstanding. I explained it as simply as possible, using the analogy of buying gold. They don't have to buy 1 kg of gold; they can also buy 1 gram. After that, they started investing in Bitcoin.

I also explained the DCA strategy, which is widely used by Bitcoin investors, and they immediately understood. Many people are actually interested in Bitcoin, but this misunderstanding makes them hesitant and ultimately abandons their plans. I think they were misinformed.

No.  Common sense does not have to do with how much knowledge a person has.  A person with common sense might not know math, but common sense will tell him that he needs to know math if he is going to figure out his discretionary funds.


Yes.  That part is correct.  A person with common sense might be young and without a lot of experience, so he might recognize that he needs to learn a lot of things.

A person with common sense might be old, yet he might not have any experience investing, so his common sense would likely tell him to start out slow and to learn as he goes.

A person with common sense will use reason and good judgement, yet a person with common sense might also be emotional, and with investing there are needs to control their emotion, so a person with common sense might realize if they are going to invest they have to set up systems so that they don't become emotional about their investments, even if they know that they have tendencies to be emotional on a personal level.


I think that common sense is pretty common, perhaps even around 97% of normal people have it, yet they might need to practice using their common sense in order to get better at it.

If people have bad habits, then common sense might help them to identify their bad habits and figuring out ways to fix their bad habits.

A lot of people have bad habits in their tendencies to want to gamble or to get rich quick, and surely if they have common sense, they might have to practice to develop habits to control their desires to want to gamble or to try to get rich quick.  None of us can really tell others how they can or should improve, and so there is some self-responsibility for individuals to figure out areas that they are good and areas they are bad and to find balance in the ways that they deal with their finances and/or their psychology around money, and a lot of that takes practice, and common sense may well help normal people to start out slow rather than rushing, especially if they might have not been practicing with the common sense that they already have.


Many times it is easier for us to learn based on things that we already know, even though we sometimes might need to sort our good habits from our bad habits.  Sometimes we might not know which of our habits are good and which ones are bad, so sometimes we might need to spend some time to reflect on our good and bad habits. 

Frequently when we get started investing in bitcoin, we can invest in bitcoin and fix our bad habits as we go, so a reasonable starting framework is to potentially start to buy bitcoin slowly within what we know to be our budget, and then as we are doing that, we are figuring out various ways to strengthen our cashflow management practices.  Of course, one of the ways that we frequently describe the improvement of cashflow management practices is to buy bitcoin and to build our back up funds at the same time, so maybe if we do not have a lot of back up funds, we might stress getting our back up funds up to a certain amount, such as 1-2 weeks of our expenses, and then maybe at some point we will build our bitcoin and our back up funds at a similar rate, but then maybe after we have 4 weeks or more of our expenses in our back up funds, then we might start to gravitate towards building our bitcoin at a pace that is faster than we are building our back up funds, even though we are building both of them at the same time, they are still being built at rates that we consider to be comfortable and suitable to our own overall cashflow situation, such as our level of income and our level of expenses.

This your example is kind of unrealistic because you’re assuming the person already has his finances in order. What if the person is left with $20 the end of the month but does not have emergency fund? Shouldn’t he prioritize building emergency fund so that he won't be forced to sell when unexpected expenses come up?

And the part where you said those with large sum should choose another strategy. You should know that DCA is not only for low or average earners. Even folks with large amount can accumulate DCA just as someone using small amount. It removes the need to time the market that’s why it fits every income

This is quite explainable,I believe that apart from him, other who has the same mentality like him will take corrections. Because a lot newbies has this mentality that they need to learnt everything about bitcoin to be able figure out their discretionary income from their main income which is misleading.  if someone understands what discretionary income is about, I think that they can as well be able to differentiate it from their income, not everything should be based on too much knowledge. This is why people who find it difficult to understand what bitcoin investment is about should be visiting this thread so that they can as well tap in from your knowledge for free.

It is true that ordinary people can also start investing by making simple calculations, starting and starting with managing it in the right way are not the same thing. But if you want to make your investment safe and grow or if you want to keep it safe for the long term, common sense alone will not work. However, it is important to gain knowledge to increase and keep your investment safe in the future. Anyone who does not have this knowledge is not really qualified to invest in Bitcoin. Starting work is easy but completing that job correctly and on time is much more difficult than starting.

What is the total expenditure of the family and your own income, How much is left after paying all the expenses and is it safe to invest in Bitcoin with that remaining money, these can't be calculated or considered with just common sense, but to do these things, you have to write down the total income, deduct the necessary expenses and then determine the remaining money.This is at least a matter of basic budgeting and math.

If you put 10% into investment and 10% into emergency funds just as you proclaimed above, what about your discretionary expenses, how do you go about that?, or there is no need for that? And how sure would it be right or okay  that you shared the left over money equally to the both sides? I believe at some point, building up back up funds might be more necessary and thus, the back up funds gets more allocation than investing, and some other time too, investing gets more allocation because you have been able to managed to raise your back up funds to a bit high level.

The point is, sharing at equal amount from your discretionary may not be right since at some point, there is always priorities when investing. It's best you look at the availability discretionary, and then try to allocate it rightfully to the different areas that it is meant for properly, not just equally for investment and emergency.