It is true what you are saying, and some folks may sometimes mis-assess their own goals, and then mistakenly come to the conclusion that they have reached over accumulation status when they have not. So sometimes there still may need to be some care in terms of understanding what is a status of over accumulation, yet you still have the idea correct that people can assess their goals and then assess that they have met their goals and/or that they have gone beyond meeting their goals
Yeah and they kept deceiving themselves with the fact that everyone have different accumulation goal , which is true but doesn't mean you have to settle for less as an Bitcoin investor, because we all know that the more your stashes the more your return when you invest , so the amount of coin you have is directly proportional to the rate profit you gonna end with .
That's why once you are doing you have to do it well , yeah not easy but with good Principles you surely pull through.
You don't have to make this complicated and try as much as you can to respect our diversity and peculiarity. do not forget that what could be someone dream target could just be another person single entry amount into Bitcoin. In other words, we are all from different countries, with different per capital income and economic sizes so what $10 will mean to you will not be what it mean to another person. There are places where $10 is just for a cup of coffee whereas there are places where the same amount is enough to feen an individual for three days and a quality meal. Two individuals from these different countries will definitely have different targets in their Bitcoin accumulation.
From another perspective, an individual earning $500 in some countries can live comfortably with 3% of this money and still able to invest as much as 40% of this income per month into Bitcoin while keeping the balance 30% for emergency fund and other needs. On the country, $500 is not even enough to pay rent for some countries and anyone earning this amount in such country is practically not able to meet basic needs and will definitely not able to invest in Bitcoin. Average income in such countries should be as high as $2000 from which the individual can spare $500 per month and survive from the balance of $1,500. Therefore, people from these two jurisdiction may not actually set the same target because they are operating from two different realities.
What is most important is to calculate your discretionary income as that is what you can comfortably invest in Bitcoin without being under pressure. Similarly, Bitcoin accumulation target is also an individual thing and also captures the points I made earlier.