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    Author Topic: Does the DCA strategy inspire newbies to invest?  (Read 28684 times)

    • Hardyrobust
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    September 14, 2026, 08:39:18 PM
     #2841
    Quote from: SDS11 on September 13, 2026, 09:41:11 PM
    Quote from: samadam007 on September 07, 2026, 08:55:12 AM
    Quote from: GeorgeJohn on September 04, 2026, 06:13:24 PM
    know that Emergency funds that's not useful at the moment it arrives can be use to achieve another goal if it's use properly for its investment.

    Even if a person has not used his emergency savings at some point… It does not mean it should be put into something else. The point of keeping emergency fund is to have money available and accessible when unexpected expenses comes up, that can come at anytime. Using it for what it’s not meant for can create a big problem for you, because it will leave you exposed without a protection and you’d have to sell when you eventually need cash.

    Every investor should be able to know what they should use their emergency funds on and of cause emergency funds does not have a particular emergency one should use them on but as long as it is emergency an investor should be able to know if they will touch their emergency funds on that particular... because there are some emergency that won't mean a serious threat or harm and there are some that will..., so i think those emergency that tends to be very serious and severe are the ones investor should use their emergency funds on but it is left for investors to decide.
    There is no way an investor can be able to tell what they will use their emergency funds for because there are different unexpected events or happening that can occur that is beyond their control. Since no one have control of what emergency that will occur in the future, it is not possible for them to tell or predict what kind of emergency that they will use the emergency funds for.
    When face with an unexpected events instead to go through financial pressures, it is best to use an emergency funds to salvage the situation.

  • RockBell
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    September 15, 2026, 07:25:46 PM
     #2842
    Quote from: Hardyrobust on September 14, 2026, 08:39:18 PM
    There is no way an investor can be able to tell what they will use their emergency funds for because there are different unexpected events or happening that can occur that is beyond their control. Since no one have control of what emergency that will occur in the future, it is not possible for them to tell or predict what kind of emergency that they will use the emergency funds for.
    When face with an unexpected events instead to go through financial pressures, it is best to use an emergency funds to salvage the situation.

    I am aware of the reasons why some people believe they will be able to anticipate their emergency. However, since emergencies are unforeseen events, people should understand what an emergency is. For this reason, emergency funds are planned for and are crucial because you never know when an emergency might occur. They will serve their purpose and won't affect what you already have because that is one of the mistakes that people who don't have emergency funds will end up selling. And most people are not preparing enough and that is why they sell.

    And for that reason, when you want to invest, they will tell you what you need in order to keep your Bitcoin for a long time. You should also keep your emergency funds in mind while you are investing, making sure that the funds are greater than what you need in case of an emergency.

  • samadam007
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    September 15, 2026, 09:26:20 PM
     #2843
    Quote from: RockBell on September 15, 2026, 07:25:46 PM
    I am aware of the reasons why some people believe they will be able to anticipate their emergency. However, since emergencies are unforeseen events, people should understand what an emergency is. For this reason, emergency funds are planned for and are crucial because you never know when an emergency might occur. They will serve their purpose and won't affect what you already have because that is one of the mistakes that people who don't have emergency funds will end up selling. And most people are not preparing enough and that is why they sell.

    And for that reason, when you want to invest, they will tell you what you need in order to keep your Bitcoin for a long time. You should also keep your emergency funds in mind while you are investing, making sure that the funds are greater than what you need in case of an emergency.

    Nobody can predict when an emergency will happen. So saying the fund should be “greater than what you need” is misleading. Folks can only allocate a reasonable amount of emergency fund(from their discretionary income) and continue building it while accumulating Bitcoin too.

    There is a difference between emergency fund and backup/ reserve fund.
    Emergency fund is majorly for unexpected expenses, while other reserves can be kept for things like planned future expenses. It is good to know the difference.

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    September 15, 2026, 09:33:58 PM
     #2844
    Quote from: Achalugo BTC on September 04, 2026, 10:57:45 AM
    Quote from: SmartCharpa on September 03, 2026, 01:18:27 PM
    It’s not necessary to have an emergency fund before you start to invest in Bitcoin. The most important thing you need to invest is having your discretionary income. Setting aside amount you can afford to lose after you solve other financial problems. You can set up your emergency fund along the way while investing. Waiting to have the emergency funds may seem like a waste of time, as long as you believe you can set tup while investing, then you are good to go.
    I don't completely agree with you because both an emergency fund and discretionary income are very important in the lives of an investor, as the two play a crucial role in their lives. If you depend only on discretionary income, that means your accumulation plan is incomplete, as there should be an emergency fund just in case an emergency occur, as nobody knows when one will occur. Anyway, it depends on individuals, as they best know how to keep investing without stopping halfway even if an emergency hits.
    Additionally we should all have an idea that discretionary income and emergency funds are two different jobs and each of them have their own roles to
    Play in as much as you are an investor, i have seen most people who are getting it all mixed up that if you depend only on discretionary income the truth is that your acclimation plan is indeed incomplete because both are working hand in hand if you ask me…

    That income left after having payments of the house rent, food, transportation, and all that is what we call discretionary income, while our emergency funds hit like Health issue, phone spoils, job delay, family problem. As you said, nobody knows when one will occur….

  • Loyang
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    September 16, 2026, 06:06:51 AM
     #2845
    Quote from: Achalugo BTC on September 04, 2026, 10:57:45 AM
    Quote from: SmartCharpa on September 03, 2026, 01:18:27 PM
    It’s not necessary to have an emergency fund before you start to invest in Bitcoin. The most important thing you need to invest is having your discretionary income. Setting aside amount you can afford to lose after you solve other financial problems. You can set up your emergency fund along the way while investing. Waiting to have the emergency funds may seem like a waste of time, as long as you believe you can set tup while investing, then you are good to go.
    I don't completely agree with you because both an emergency fund and discretionary income are very important in the lives of an investor, as the two play a crucial role in their lives. If you depend only on discretionary income, that means your accumulation plan is incomplete, as there should be an emergency fund just in case an emergency occur, as nobody knows when one will occur. Anyway, it depends on individuals, as they best know how to keep investing without stopping halfway even if an emergency hits.

    You have started arguing with SmartCharpa without understanding his comment. Because SmartCharpa said that waiting to start investing to build an emergency fund is not the right decision at all. He said find a source of discretionary income and start investing and build an emergency fund at the same time. SmartCharpa did not say anywhere in his comment that a person should depend on discretionary income without building an emergency fund.

    When a person only builds an emergency fund and does not start investing, he is missing out on many buying opportunities and falls far behind the goal of building a portfolio, etc. But when he does both at the same time, he will not be left behind and will be able to move both forward in a balanced way

  • Futurexxx
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    September 16, 2026, 07:21:05 AM
     #2846
    Quote from: GeorgeJohn on September 04, 2026, 06:13:24 PM
    I will agree with you here...but know that Emergency funds that's not useful at the moment it arrives can be use to achieve another goal if it's use properly for its investment....

    This is wrong bro. First of all, emergency funds is very important in all times, because you don't know when emergencies will struck and threatens your Bitcoin investment, so it should always be in place for the security of your Bitcoin investment.

    Secondly, investing with your emergency funds because you think that the money can be useful elsewhere is totally wrong, because by doing so, you are gambling with your entire Bitcoin investment or portfolio, because if any emergency struck that time you invested it in Bitcoin, selling your Bitcoin holdings will be inevitable, so we should never gamble with our investment by investing with our emergency funds that is meant to protect our Bitcoin investment.

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    September 16, 2026, 04:15:46 PM
    Merited by JayJuanGee (1)
     #2847
    Quote from: samadam007 on September 15, 2026, 09:26:20 PM
    There is a difference between emergency fund and backup/ reserve fund.
    Emergency fund is majorly for unexpected expenses, while other reserves can be kept for things like planned future expenses. It is good to know the difference.
    Emergency funds falls under backup funds because it's a backup funds to your bitcoin investment to prevent you from selling when it's not your will due to been hit with a real life emergency. Emergency funds isn't for unexpected expenses but to take care of real life problems when they play out during your bitcoin accumulation because if you don't take care of it, it will lead to more financial problems. Emergency funds isn't flexible but your reserve funds is flexible.

    It's your float that you use to take care of unexpected expenses that pops out during the week before you get paid again and this is not part of backup funds. Emergency funds and reserve funds are the two backup funds that we have.
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    September 16, 2026, 04:26:47 PM
    Merited by JayJuanGee (1)
     #2848
    Quote from: Mr Reporter on September 15, 2026, 09:33:58 PM
    Additionally we should all have an idea that discretionary income and emergency funds are two different jobs and each of them have their own roles to
    Play in as much as you are an investor, i have seen most people who are getting it all mixed up that if you depend only on discretionary income the truth is that your acclimation plan is indeed incomplete because both are working hand in hand if you ask me…

    That income left after having payments of the house rent, food, transportation, and all that is what we call discretionary income, while our emergency funds hit like Health issue, phone spoils, job delay, family problem. As you said, nobody knows when one will occur….
    I agree with you that you cannot separate discretionary income and emergency funds because it's from you discretionary income that you can use part of it to set up your emergency funds and other backup funds. This is the reason why there must be a balance between our bitcoin investment and our emergency funds in the beginning of our bitcoin investment journey.

    It becomes a problem if a long term investor neglects the importance of setting up and emergency funds and only focus on buying bitcoin with his discretionary income because he will later, sell those bitcoin he's in a rush to buy and increase his stash when he's hit with real life emergency.

     The worst thing is that he can even sell at loss if bitcoin is below his entry price making it a waste of time, resource and energy when he can simply safeguard his bitcoin investment by dividing his discretionary income into three equal parts and use the first part for his regular DCA, the second part to set up his emergency funds and the last part for his discretionary consumption. Be prepared for the worst case scenario in your bitcoin investment accumulation journey.
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  • hedgeh0g
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    September 16, 2026, 05:16:06 PM
     #2849
    Quote from: xbartoni on November 19, 2024, 03:25:29 PM
    I find investors using the DCA strategy invest for the long term.
    Special Considerations Should Beginners Follow the DCA Method for Bitcoin Investments? What Can Be the Outcome -Future

    DCA Bitcoin is such a well‑known and relevant method that, despite its simplicity, it is constantly discussed both on the forum and beyond. People are creating DCA calculators that base their calculations on a strategy, and they are designed to help young investors predict their profits.
    For example, bitmover has even recently released a new calculator that conveniently allows you to calculate earnings using DCA and determine how much Bitcoin will accumulate if you regularly set aside money to buy Bitcoin. And it’s funny that, despite the simplicity of the DCA method, not all experienced investors use it.
     
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    September 16, 2026, 06:54:09 PM
     #2850
    Quote from: hedgeh0g on September 16, 2026, 05:16:06 PM
    Quote from: xbartoni on November 19, 2024, 03:25:29 PM
    I find investors using the DCA strategy invest for the long term.
    Special Considerations Should Beginners Follow the DCA Method for Bitcoin Investments? What Can Be the Outcome -Future
    DCA Bitcoin is such a well‑known and relevant method that, despite its simplicity, it is constantly discussed both on the forum and beyond. People are creating DCA calculators that base their calculations on a strategy, and they are designed to help young investors predict their profits.
    For example, bitmover has even recently released a new calculator that conveniently allows you to calculate earnings using DCA and determine how much Bitcoin will accumulate if you regularly set aside money to buy Bitcoin. And it’s funny that, despite the simplicity of the DCA method, not all experienced investors use it.

    Here's a link to the new BTC DCA Calculator by Bitmover:

    https://bitcoindata.science/dca-calculator
    1) Self-Custody is a right.  Resist being labelled as: "non-custodial" or "un-hosted."  2) ESG, KYC & AML are attack-vectors on Bitcoin to be avoided or minimized.  3) How much alt (shit)coin diversification is necessary? if you are into Bitcoin, then 0%......if you cannot control your gambling, then perhaps limit your alt(shit)coin exposure to less than 10% of your bitcoin size...Put BTC here: bc1q49wt0ddnj07wzzp6z7affw9ven7fztyhevqu9k

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    September 17, 2026, 07:30:35 AM
    Merited by JayJuanGee (1)
     #2851
    Quote from: Mr Reporter on September 15, 2026, 09:33:58 PM
    Additionally we should all have an idea that discretionary income and emergency funds are two different jobs and each of them have their own roles to

    I don't agree with you on this because your emergency fund is gotten from your discretionary income,it is from your discretionary income that you're emergency fund is created so there aren't separate funds but the same.

    Your discretionary income plays different roles,it can be splitted into three parts, building your emergency fund, regular DCA and discretionary spending and each plays an important roles. The role of your emergency fund is to safeguard your bitcoin investments from real life emergency situations to prevent you not to sell your bitcoin. In an essence, your discretionary income isn't just for regularly accumulating bitcoin weekly or monthly, it can also be used to build your emergency fund and cover for your discretionary consumption as well..
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  • Abbatty
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    September 17, 2026, 11:27:58 AM
     #2852
    Quote from: Qhunman on September 17, 2026, 07:30:35 AM
    Quote from: Mr Reporter on September 15, 2026, 09:33:58 PM
    Additionally we should all have an idea that discretionary income and emergency funds are two different jobs and each of them have their own roles to

    I don't agree with you on this because your emergency fund is gotten from your discretionary income,it is from your discretionary income that you're emergency fund is created so there aren't separate funds but the same.

    Your discretionary income plays different roles,it can be splitted into three parts, building your emergency fund, regular DCA and discretionary spending and each plays an important roles. The role of your emergency fund is to safeguard your bitcoin investments from real life emergency situations to prevent you not to sell your bitcoin. In an essence, your discretionary income isn't just for regularly accumulating bitcoin weekly or monthly, it can also be used to build your emergency fund and cover for your discretionary consumption as well..
    I think you got what he was trying to say wrong. Of course we all know that your emergency funds is also gotten from your discretionary income but what he his saying is that you can have a discretionary income and not have an emergency funds. In case where the  emergency funds is small, you can just decide to use all for your investment, because at the end when discretionary income is available it very okay to get into investment without having an emergency funds yet.

    So yes discretionary income is often split to get emergency funds but also they play a different role in a successful investment. Sometimes we can have discretionary income and not have emergency funds and sometimes we can have discretionary income and have emergency funds and reserve funds.

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    September 17, 2026, 01:54:54 PM
    Merited by JayJuanGee (1)
     #2853

    Quote from: Mr Reporter on September 15, 2026, 09:33:58 PM
    Additionally we should all have an idea that discretionary income and emergency funds are two different jobs and each of them have their own roles to


    Apparently you seems to be making some mistakes with your statement and that might lead to confusion as well for people who are still here to learn about bitcoin, when you have a discretionary funds that means you already have an emergency fund because you’re getting your emergency funds from that discretionary funds so all you have to do as a beginner is to focus more on having a discretionary income that would give you an advantage to stay consistent with accumulating bitcoin, playing different roles is when your emergency funds should strictly be for your emergency needs, you’re buying bitcoin through your discretionary income, and you’re still going to get your backup funds from your discretionary income.

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    September 17, 2026, 02:51:53 PM
     #2854
    Quote from: xbartoni on November 19, 2024, 03:25:29 PM
    I find investors using the DCA strategy invest for the long term.
    Special Considerations Should Beginners Follow the DCA Method for Bitcoin Investments? What Can Be the Outcome -Future
    Yes, the DCA strategy is one of the best strategies for beginners and users who have small capital, when they want to trade Bitcoin and also invest.
    When you set a strategy for buying Bitcoin and calculate the budget that you have 20 percent to buy Bitcoin every month, of course this strategy is a long-term strategy and is to increase Bitcoin income in the long term.

    I think there are many ways to trade and invest in Bitcoin, but the DCA strategy, in my opinion is the best strategy for those with small capital, as opposed to large investors, such as companies and so on.
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  • adultcrypto
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    September 17, 2026, 03:23:01 PM
    Merited by JayJuanGee (1)
     #2855
    Quote from: YOSHIE on September 17, 2026, 02:51:53 PM
    I think there are many ways to trade and invest in Bitcoin, but the DCA strategy, in my opinion is the best strategy for those with small capital, as opposed to large investors, such as companies and so on.
    Trading is totally different from investing in bitcoin so putting them side-by-side can mislead a lot of people into thinking that they are the same. Trading is extremely risky and not something that newbies should consider going into before their spoil their chances of owning a decent bitcoin portfolio. I also want to believe that the DCA method cannot be applied for trading unless you are discussing something I have not heard about. Hence, it will really help us more in the dicsussion to avoid missing up trading with investing.

    The DCA method is best for for long term investing because it is ongoing method that progress with capital that is not supposed to be a burden on the investor. The factor that makes the DCA method excellent is the time that it gives the investor as well as the portfolio.
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  • Merit.s
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    September 17, 2026, 04:38:50 PM
    Merited by JayJuanGee (1)
     #2856
    Quote from: YOSHIE on September 17, 2026, 02:51:53 PM
    Yes, the DCA strategy is one of the best strategies for beginners and users who have small capital, when they want to trade Bitcoin and also invest.
    When you set a strategy for buying Bitcoin and calculate the budget that you have 20 percent to buy Bitcoin every month, of course this strategy is a long-term strategy and is to increase Bitcoin income in the long term.

    I think there are many ways to trade and invest in Bitcoin, but the DCA strategy, in my opinion is the best strategy for those with small capital, as opposed to large investors, such as companies and so on.
    It's useless to DCA on trading because you will lose it all at the long run and I don't see it as a smart move. DCA is used for wealth building overtime because you will gradually buy everything that your discretionary income is available. Bitcoin is a long term investment and deserves to use DCA strategy to accumulate it overtime but trading is like gambling and whatever, amount of money you put into it disappears into the market.

    It's wrong to advise a beginner to trade and invest at the same time because he has very little or no knowledge on the best way to go. New investors should focus only on bitcoin long term investment and how to keep their bitcoin accumulation ongoing with DCA till they reach their bitcoin target.

  • GIF-JOBS
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    September 17, 2026, 06:41:59 PM
     #2857
    Quote from: Merit.s on September 17, 2026, 04:38:50 PM
    Quote from: YOSHIE on September 17, 2026, 02:51:53 PM
    Yes, the DCA strategy is one of the best strategies for beginners and users who have small capital, when they want to trade Bitcoin and also invest.
    When you set a strategy for buying Bitcoin and calculate the budget that you have 20 percent to buy Bitcoin every month, of course this strategy is a long-term strategy and is to increase Bitcoin income in the long term.

    I think there are many ways to trade and invest in Bitcoin, but the DCA strategy, in my opinion is the best strategy for those with small capital, as opposed to large investors, such as companies and so on.
    It's useless to DCA on trading because you will lose it all at the long run and I don't see it as a smart move. DCA is used for wealth building overtime because you will gradually buy everything that your discretionary income is available. Bitcoin is a long term investment and deserves to use DCA strategy to accumulate it overtime but trading is like gambling and whatever, amount of money you put into it disappears into the market.

    It's wrong to advise a beginner to trade and invest at the same time because he has very little or no knowledge on the best way to go. New investors should focus only on bitcoin long term investment and how to keep their bitcoin accumulation ongoing with DCA till they reach their bitcoin target.
    Trading can never be investment, and investment can never be trading, the two are different in two ways. You will not get any short-term results from investment, whereas after learning trading, people trade for short-term gains. But the main thing is that you will not get success very quickly from either, because investment is usually long-term, and on the other hand trading is a very deep subject, and so if you want to learn trading well, you will have to learn trading by spending a long time. And a new person must be informed about this subject in advance. Whatever you start, trading or investment, you will not be successful from either, rather after starting, you will have to spend a long time in whatever you do, and only then can you be successful. So the main thing is that you have to abandon the idea of ​​getting rich overnight, and move forward with a realistic mindset, and after all, nothing is risk-free, and so it is also very important to consider your own capabilities.










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  • JayJuanGee
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    September 18, 2026, 05:11:38 AM
     #2858
    Quote from: Abbatty on September 17, 2026, 11:27:58 AM
    Quote from: Qhunman on September 17, 2026, 07:30:35 AM
    Quote from: Mr Reporter on September 15, 2026, 09:33:58 PM
    Additionally we should all have an idea that discretionary income and emergency funds are two different jobs and each of them have their own roles to

    I don't agree with you on this because your emergency fund is gotten from your discretionary income,it is from your discretionary income that you're emergency fund is created so there aren't separate funds but the same.

    Your discretionary income plays different roles,it can be splitted into three parts, building your emergency fund, regular DCA and discretionary spending and each plays an important roles. The role of your emergency fund is to safeguard your bitcoin investments from real life emergency situations to prevent you not to sell your bitcoin. In an essence, your discretionary income isn't just for regularly accumulating bitcoin weekly or monthly, it can also be used to build your emergency fund and cover for your discretionary consumption as well..
    I think you got what he was trying to say wrong. Of course we all know that your emergency funds is also gotten from your discretionary income but what he his saying is that you can have a discretionary income and not have an emergency funds. In case where the  emergency funds is small, you can just decide to use all for your investment, because at the end when discretionary income is available it very okay to get into investment without having an emergency funds yet.

    So yes discretionary income is often split to get emergency funds but also they play a different role in a successful investment. Sometimes we can have discretionary income and not have emergency funds and sometimes we can have discretionary income and have emergency funds and reserve funds.

    Guys need to be careful when they have considerable imbalances in the amount of BTC that they are accumulating and the amount of back up funds that they are building up.

    There is a need to do both, yet if guys get quite out of balance, then greater chances come that he is going to be forced into a more balanced position.

    Surely, I would prefer to control the direction of the balance in my bitcoin size and my back up funds rather than being forced into circumstances where I do not have any options.

    Part of the power of both investing and building our back up funds (strengthening our cashflow management systems/practices) is that we end up becoming empowered in terms of our increasing our options.

    Of course, there are guys who struggle to get enough discretionary funds so that they are able to invest into bitcoin, yet at the same time, if they do not have enough discretionary funds, then they may well not be able to invest until such a time that they are able to figure out ways to increase their discretionary funds by increasing their income and/or by decreasing their expenses.
    1) Self-Custody is a right.  Resist being labelled as: "non-custodial" or "un-hosted."  2) ESG, KYC & AML are attack-vectors on Bitcoin to be avoided or minimized.  3) How much alt (shit)coin diversification is necessary? if you are into Bitcoin, then 0%......if you cannot control your gambling, then perhaps limit your alt(shit)coin exposure to less than 10% of your bitcoin size...Put BTC here: bc1q49wt0ddnj07wzzp6z7affw9ven7fztyhevqu9k

  • BluebloodCXVI
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    September 18, 2026, 03:55:59 PM
     #2859
    Quote from: JayJuanGee on September 18, 2026, 05:11:38 AM
    Guys need to be careful when they have considerable imbalances in the amount of BTC that they are accumulating and the amount of back up funds that they are building up.

    There is a need to do both, yet if guys get quite out of balance, then greater chances come that he is going to be forced into a more balanced position.

    Surely, I would prefer to control the direction of the balance in my bitcoin size and my back up funds rather than being forced into circumstances where I do not have any options.

    Part of the power of both investing and building our back up funds (strengthening our cashflow management systems/practices) is that we end up becoming empowered in terms of our increasing our options.

    Of course, there are guys who struggle to get enough discretionary funds so that they are able to invest into bitcoin, yet at the same time, if they do not have enough discretionary funds, then they may well not be able to invest until such a time that they are able to figure out ways to increase their discretionary funds by increasing their income and/or by decreasing their expenses.

    The moment a person’s BTC stack starts to get too far ahead of their cash reserves, it means that they have handed control over to circumstances, and even just one unexpected expense, or one prolonged bear market, or maybe even one period of tight cashflow happens to occur, they’ll definitely be forced to sell; and most of the time it’s often at the worst possible time too.

    I personally would rather just deliberately keep the two in balance, i mean both reserves and stacking; that way i get to be the one to decide when (or if) i ever wanna touch the Bitcoin, instead of being cornered into it.

  • Rockson1
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    September 18, 2026, 04:08:05 PM
     #2860
    Quote from: SDS11 on September 13, 2026, 09:41:11 PM
    Every investor should be able to know what they should use their emergency funds on and of cause emergency funds does not have a particular emergency one should use them on but as long as it is emergency an investor should be able to know if they will touch their emergency funds on that particular... because there are some emergency that won't mean a serious threat or harm and there are some that will..., so i think those emergency that tends to be very serious and severe are the ones investor should use their emergency funds on but it is left for investors to decide.
    Maybe you are confused, so investors are now seers that see ahead of time or the future, what do you think emergency is? Do you think emergency is an occurrence that are for seen? No one plans for emergencies, meanig that you can only make provisions for it, so how would you know what you will use your emergency fund for, when you do not know the nature of emergency that will present itself.
    Hey man, emergency is emergency whether small or big, why we investor create emergency funds is to tackle emergency when it occurs, so saying that there particular emergency that emergency funds should spend on, is wrong and I don't think you are spreading the right information, I will appreciate it, if you concentrate in learning, just a Friendly advice.
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