It can be a good thing when you can allocate a few percent of your income to be in bitcoin.
But as you said before, everyone has their own thoughts and strategies, when doing it with spare money as long as it doesn't interfere then I think it's also good, it's just that this should pay attention to more conditions where when there are unexpected needs then they should have some policies to make their finances not disturbed in terms of plans.
But when it comes to comparison then I prefer your way with budgeting beforehand apart from we know how much we spend on investment, unexpected needs can be overcome because there is an allocation there in financial management.
I think when you still have 50% reserve budget of the total value of your investment, then your financial situation will not be too risky even if you get a few surprises about unexpected expenses. I've always wanted financial management that way, but so far I've only had 20% of the total investment value as a reserve budget.
So in essence, have a spare budget regardless of whether you can get it equal to the value of your investment or maybe less. If you have a reserve budget higher than your total investment value, then reinvest with the same strategy.
It is still possible for this to happen, but in other conditions we will confuse ourselves when making some month-end notes for example because there are 2 subdivisions for reserve funds, namely for investing and unexpected needs.
But as I said earlier, it doesn't matter if you do something like this because the expenses are clearly for investing, it's just that there may be some conditions that will definitely make yourself a little dizzy in recapitulating expense records.
I think it's a lot when they buy in the price range of 40k - 60k expecting a high price but instead the price is getting corrected and the deepest fall is $ 16K, for people who survive in any situation he will still be a winner because bitcoin will always reach ATH again when it cycles 4 years have passed, and now it's a little more to get past that, while people who are still holding on now will definitely continue to accumulate and will not survive with bitcoins that have high prices, so they will maximize profits by buying by means of the DCA strategy.
Actually, in this case I'm probably talking more about the price increase. Indeed ATH is a very good thing but when talking about DCA for example like when bitcoin touched the price of $15k a few months ago and doing DCA starting from there, then for now with the increase in bitcoin we have also benefited and indirectly when we have a strategy for DCA then for the current price we have benefited in terms of investment.
But indeed waiting for the new ATH is also not a problem as long as you can afford it but when talking about profit in my opinion when we return to the context of DCA then indeed at this time it is also profitable and ATH is just another goal to make the profit even greater.