Well I am suggesting him to have had built his investment and having had invested $10k per year for 10 years and then receiving a somewhat standard return on that which would be around 50%, so after 10 years, his investment would be worth around $150k because some of his earlier invested amounts would have grown more and some of his later invested amounts would not have had as much time to grow.. so yeah, his total investment portfolio is right around $150k at the time that he learns about BTC... but it is still worth less than Guy1 and Guy3.. . .and when he decides to get into bitcoin, he may well not want to pull out and reallocate what he has in his overall investment into bitcoin, but instead to divert what he had been investing into traditional assets into bitcoin in order to at least aim towards reaching his bitcoin investment target.... So in some sense, I may well be inferring what a reasonably similarly situated guy might want to do...

I am not necessarily going to presume that his prior investment had matching funds (like a 401k might have), even though there could be certain kinds of things that had been going on with his prior investments that might contribute to his not necessarily wanting to discontinue to invest into the other investments, so he could be faced with a bit of a dilemma in regards to how aggressive he might be able to be in regards to his investing into bitcoin..  some employers might have matching amounts that go up to 5% of the salary.. or perhaps there would be tax deferral benefits, and I would suggest that there would be motivations to invest up to the amount of the employer's match, but not necessarily choose to invest up to the maximum tax deferral, even though surely some folks are going to get lured into tax deferral investments that currently, in the USA (for example) allows investing up to $23k per year into tax deferred products.. and so a lot of people will get distracted into taxed-deferred investing options (which is not bitcoin investing directly), which is another reason that the bitcoin spot ETFs in the USA can be so compelling for people who are able to contribute into those kinds of investments or if their Employer offers an investing program that includes the bitcoin spot ETFs as one of the available options... which may or may not be better than buying bitcoin directly, and if someone with ONLY $40k income is investing 25% of his income, he is still not even coming close to the federal maximum limitation of $23k per year.

I personally would not necessarily conclude or presume that guy2 has any readiness, willingness or ability to front load into bitcoin.. not based on the facts given and/or the fact that he has already built an investment portfolio or $150k.. Now if the facts were different, he might have some extra funds for front loading, but it surely is not presumed in the facts that I had given... especially since I am trying to describe and characterize guy 2 as a relatively conservative guy who may well be aggressive, but that does not mean that he is a gambler.. merely because he is already being aggressive and has already historically been aggressive in his investment with having had achieved investing $100k over 10 years.. and just on the face, guy2 invested way more than either guy1 or guy3 who invested $40k and $60k respectively over the last 10 years, and the ONLY reason that guy2's portfolio is not as good as the portfolios of guy1 or guy3 is because guy2 had been investing in traditional investments like index funds and ONLY just found out about BTC.
Well I am suggesting him to have had built his investment and having had invested $10k per year for 10 years and then receiving a somewhat standard return on that which would be around 50%, so after 10 years, his investment would be worth around $150k because some of his earlier invested amounts would have grown more and some of his later invested amounts would not have had as much time to grow.. so yeah, his total investment portfolio is right around $150k at the time that he learns about BTC... but it is still worth less than Guy1 and Guy3.. . .and when he decides to get into bitcoin, he may well not want to pull out and reallocate what he has in his overall investment into bitcoin, but instead to divert what he had been investing into traditional assets into bitcoin in order to at least aim towards reaching his bitcoin investment target.... So in some sense, I may well be inferring what a reasonably similarly situated guy might want to do...

I am not necessarily going to presume that his prior investment had matching funds (like a 401k might have), even though there could be certain kinds of things that had been going on with his prior investments that might contribute to his not necessarily wanting to discontinue to invest into the other investments, so he could be faced with a bit of a dilemma in regards to how aggressive he might be able to be in regards to his investing into bitcoin..  some employers might have matching amounts that go up to 5% of the salary.. or perhaps there would be tax deferral benefits, and I would suggest that there would be motivations to invest up to the amount of the employer's match, but not necessarily choose to invest up to the maximum tax deferral, even though surely some folks are going to get lured into tax deferral investments that currently, in the USA (for example) allows investing up to $23k per year into tax deferred products.. and so a lot of people will get distracted into taxed-deferred investing options (which is not bitcoin investing directly), which is another reason that the bitcoin spot ETFs in the USA can be so compelling for people who are able to contribute into those kinds of investments or if their Employer offers an investing program that includes the bitcoin spot ETFs as one of the available options... which may or may not be better than buying bitcoin directly, and if someone with ONLY $40k income is investing 25% of his income, he is still not even coming close to the federal maximum limitation of $23k per year.

I personally would not necessarily conclude or presume that guy2 has any readiness, willingness or ability to front load into bitcoin.. not based on the facts given and/or the fact that he has already built an investment portfolio or $150k.. Now if the facts were different, he might have some extra funds for front loading, but it surely is not presumed in the facts that I had given... especially since I am trying to describe and characterize guy 2 as a relatively conservative guy who may well be aggressive, but that does not mean that he is a gambler.. merely because he is already being aggressive and has already historically been aggressive in his investment with having had achieved investing $100k over 10 years.. and just on the face, guy2 invested way more than either guy1 or guy3 who invested $40k and $60k respectively over the last 10 years, and the ONLY reason that guy2's portfolio is not as good as the portfolios of guy1 or guy3 is because guy2 had been investing in traditional investments like index funds and ONLY just found out about BTC.