Quote from: MainIbem on April 06, 2025, 02:11:48 AM

Quote from: laijsica on April 06, 2025, 12:44:29 AM

Quote from: Powerjumboo on April 05, 2025, 11:34:36 PM

I have planned to keep 20% of my offline physical income in Bitcoin. I have heard success stories of Bitcoin investment from many people. I have heard success stories of Bitcoin investment from everyone. I have developed a very beautiful love for Bitcoin investment and long-term holding of Bitcoin investment in which I can plan to hold my Bitcoin for a long time. Since I have had a fixed income arrangement for quite some time, I could not delay investing in Bitcoin. Also, I have definitely gained experience in investing. I am also experienced enough to provide security for my investment, so I will keep 20% of my intended income in Bitcoin investment.

Your plan may be right, but it may be difficult to allocate the same amount of Bitcoin every month/week. Adjusting to the multiple needs of the family is very challenging for many low- and middle-income people. Sometimes the family expenses may be more than you think. The reality is that it is a great opportunity to build your future through income matching with needs and investing.
Accumulation Bitcoin from discretionary income may be considered more logical because in this case, you can meet your needs every week/month and keep moving normally. A significant advantage of accumulation Bitcoin from discretionary income is that you can implement yourself according to a long-term plan regularly while meeting each need. If you have an obligation to allocate a mandatory portion of your income for investment, you may be likely to become poor. Or the supply of each product according to the family's needs may be disrupted or there may be a financial crisis to get emergency medical treatment. You are quite experienced in investing but you cannot ensure the same amount of allocation every month/week as per your plan. This is almost certain because I have tried to do it in this way and have not been successful. I feel comfortable accumulation Bitcoin from discretionary income and therefore I have been having great success in the long term.

Everyone's needs or expenses can never be the same, you don't know how good he's doing financially neither can you tell the amount he receives as income therefore you're not in the right position to tell if allocating 20% of it would be difficult for his investment plan on a weekly or monthly basis, maybe it might had been difficult for you, but speaking for everyone makes no sense and if he's comfortable with investing 20% of his incoming at any intervals suitable for him be it weekly or monthly basis then it's good for him, achieving his statement depends on his financial capacity and from the way it sounds, it seems he's very ready and comfortable with allocating that percentage of his income to Bitcoin and if there's any need to adjust in the future due to situations like larger family, more expensive and the rest then he could adjust but for now, I think he's good to go.

20% of your income is considered good for investment but I have already described my own experience that this may not be an easy consideration for everyone. You may be comfortable with having sufficient funds/alternative reliable sources of income at the moment but times may change and circumstances may arise that your family expenses may increase further. Or you may have to reduce the amount of cash funds to grow real assets. I think this type of financial trend can happen to most investors. Another important consideration you should keep in mind is that the price of Bitcoin may fall much lower than you expected which may cause you to regret investing your 20%. Although the chances of this are very low but you should be prepared for every adversity.

With discretionary income you do not need to put extra mental tension on accumulation Bitcoin because the amount you have already allocated for Bitcoin is additional funds (disposable income) beyond your family's daily needs. You might think that he is very ready and comfortable with that percentage of Bitcoin but he will soon come to terms with reality and accumulate Bitcoin from his resonable discretionary income for the long term.