I am considering adding ideas from
another post that I made today to the
BTC accumulation portion of this thread.
An attempt at a fair historical overview largely seems to establish that with the passage of time, especially if we look in 4-year increments, it seems to have been becoming more and more difficult to accumulate similar amounts of BTC, even with similar or inflation-adjusted (cost-of-living adjusted) larger amounts of capital.
Edited: This post ties into these accumulation goal ideas in regards to how BTC accumulation goals might change over time, too.
In my opinion, those who are beginners in bitcoin, indeed in investing in btc must be full of calculations because business and life competition is getting tougher, so we must be smart in managing investment strategies in btc.
The beginning of getting involved in bitcoin does not need to include a lot of calculations since in the beginning, most people should have a bit of a ballpark idea about their cashflow versus their expenses in order to determine on a ballpark basis if they believe that they can afford to invest $100 per week or $10 per week or some other amount per week into bitcoin.
Many of the calculations and looking into more details of your specific individual circumstances that include more specifically your finances and your psychology can be a kind of ongoing study that would then help any person to make more specifically individually tailored BTC accumulation targets and perhaps subsequent plans about BTC portfolio maintenance and liquidation - that likely would come later down the road, especially if someone might end up being in bitcoin for 4-10 years or longer or perhaps start to build their lives around making sure that they maintain a bitcoin balance.