Here is the instance; Using my Churchillvv as the case study,
You're making this more complex than the difference in view of the two parties here. If I should summarise what was the major misunderstanding, it's that one of them wants to lump sum at a DIP price while the other want to lump sum the moment the fund is available. The issue with Lump summing at the DIP price is that you don't know which price is the DIP and you don't know how long you have to wait before it gets to that price and you also don't know if the price you're considering as a DIP target will eventually come or not. And another thing is that if the amount you're using to lump sum isn't all that much and is probably up to only $500 to $1k, it wouldn't make much difference to buy Bitcoin at $67k or wait for six months expecting it to DIP to $40k only to see Bitcoin price climbing up to $80k plus. That's where @Agbamonie missed out in his analysis
I will suggest that if a person is merely buying anywhere between $10 per week/month and $100 per week/month is likely going to need way more than 10 years in order to get to a status of having had accumulated a sufficient amount of bitcoin. Perhaps such a person will need 20-30 years or more to really get to a decent place with his/her bitcoin stash.
For sure, each of us has differing expectations in regards to how much income that we might need to be able to live comfortably, whether we use bitcoin proceeds to completely replace any income that we have or to supplement income that we might have from other sources.
Bitcoin accumulation have to do with left over cash flow and at that not having sufficient steady monthly or weekly set aside founds let say $10 or even $20 which is way too much time to come up with a significant amount of bitcoin starsh, but then just as you said, sometimes we come across unexpected huge sum and if we are able to put all down on bitcoin it could cover up for a long period of time and a journey that surpose to take 10 years to 20 years could come much faster and easier.
the main reason why it would take you too long to reach your accumilation point in your Bitcoin investment is when you're going about your accumilation in a nonchalant way and using only the fund that's not of use to you for your accumilation. I know that it's right to make the required plan that will see to it that you're not over investing above your financial capacity but mere investing with only left over cash wouldn't help increase the quantity of your Bitcoin reserve. It's best to be disciplined enough to separate your funds into different percentages such that you have a particular percentage that's allocated to Bitcoin and another that takes care of other aspect of your life so you don't treat your Bitcoin investments as your last option. Remember that for most people, if you don't do the necessary planning, you wouldn't have anything like left over cash because human wants generally is insatiable and the best you should do is to do a scale of preference and still allocate an amount that will directly go into any of the options once you've received your pay check.