I don't mind calculating in terms of dollars and/or fiat, yet as you know in recent times, I have been using the 200-WMA in order to valuate the extent to which a person may well need enough.

For the USA or generally western countries, since 2020, I have considered $2 million to be enough to have an entry-level fuck you status, so that means that it would generate $80k per year (with a 4% per year withdrawal rate), yet I consider $800k (17.84 BTC) to be enough to have in bitcoin if it is valued at the 200-WMA, since that would also generate $80k per year with a 10% withdrawal rate based on the dollar value (so long as the spot price is at least 25% or higher above the 200-WMA). 

Prior to 2020, I used to use $1 million as my idea of entry level fuck you status in the USA.. which would have been a $40k  income per year.  Yes, that is entry-level, so there will be variation in which some people are able to get by on less than that amount and others need much more... but yeah, $1million went to $2 million,  but yeah, in bitcoin we can use the 200-WMA and we can also use 10% rather than 4% as our withdrawal rate in order to get to the $40k per year income prior to 2020 or the $80k per year  income after 2020.

Regarding your 35%, sure that is pretty high as a start out amount, yet of course, you are not starting out, and you may well had gotten up to 35% based on BTC price appreciation and then your perhaps choosing to reallocate from time to time.  I don't believe in major reallocations, even though I am not opposed to diversify investing into other asset classes, such as properties, stocks, commodities, bonds and cash/cash equivalents... not referring to having any over reliance on shitcoins.

I had personally gotten up to 10% in 2014, and then I thought that I was overallocated when I got up to 13.5% in late 2015, and surely we know that BTC prices shot up after 2015, so my BTC allocation had gotten into the 80% based on price appreciation, and then it dropped down to 45%-ish during the 2018-ish lows, and then it largely went back up to bounce between 65% and supra 90%.. perhaps even now I am bouncing around 90% allocation to bitcoin, yet that allocation mostly has to do with bitcoin's appreciation and my decision to not reallocate. 

I see no reason to not let my winners ride, and so whatever management I have to do is selling on the way up and buying on the way down, yet I am not selling large amounts of BTC on the way up (perhaps less than 3% every time the BTC price doubles even though I have authorized myself to sell up to 10% every time the BTC price doubles but I have not been doing that), so my BTC holdings are largely continuing to compound on themselves.  I would consider that to be mostly a holding strategy that I have been doing since 2015.

Sure, with you it is likely different from my own, yet I had considered all of my investments outside of bitcoin to have had been enough that I could have had used those in order to live off of them, so over the past 11-ish years, those outside of bitcoin investments have largely stayed the same, and maybe on their own they had appreciated in value to nearly double in value, while my bitcoin investment has performed in the 83x territories, if I were to use $1k per bitcoin as my average cost per bitcoin, since I may well be able to assert that mistakes were made and that is why I use $1k per BTC as a proximation of my average costs per BTC rather than using some other lower cost per BTC amount.


I am not even suggesting that being in profits is going to relieve anyone from being dumb to be selling prior to going through at least a whole bitcoin cycle of accumulation.

Let's say that someone came into bitcoin in early 2023, and so the person had a plan to invest into bitcoin for 10 years or more, so presumptively this guy is in decently good profits, yet he has ONLY been accumulating bitcoin for right around 2 years, so why should he be selling any of his bitcoin? 

Maybe he has an income around $30k per year, and he had been buying $100 per week of bitcoin since January 2023.  he invested nearly $12k and he had accumulated nearly 0.3 BTC.  He is doing fine, and I think that he should continue to invest what he can and don't be fucking around with selling, even if his BTC holdings are largely in profits, perhaps even crossing at more than 3x profits from time to time.

It is a bad idea to lose focus, and to either stop buying or to sell and speculate to buy back cheaper, when that might end up causing the person to have even less coins.


These are reasonable points which also raise the problematic issue of describing the dollar as stable, and so I think that we are much better off to have our investment in something liek bitcoin and to be able to draw a stream of income from it rather than considering putting value into something else.  I think that the bitcoin stream of income is going to keep up with the cost of living increases (and any ongoing and inevitable debasements of the dollar), which I question the extent to which other assets will be able to keep up with such cost of living increases and/or debasement of the dollar and other fiats.