You have to remember that even a guy who puts 10% of his salary into bitcoin, it will take him 10 years to reach 1 year of his salary invested into bitcoin. I consider 10% reasonable if your discretionary income can tolerate it.
There are folks who are investing into bitcoin at much more whimpily than 10% per year.. so it is going to take them a while to reach over-accumulation status, perhaps even more than 20 years.
Of course, bitcoin price performance can help them, but if they were only investing 1% of their salary into bitcoin, it would take them 100 years to get 1 years salary invested into bitcoin... so it can be questionable if some whimpy levels of investing are going to be enough to get to overaccumulation status. Of course, any investment into bitcoin is better than nothing, but it pays to have a bit of an ability to increase our investing aggressiveness, especially for any of us wanting to reach overaccumulation status.
Is it only me that thinks that bitcoin doesn’t have any phase as an overaccumulation phase or status. Bitcoin can never get to this phase because even if you think that bitcoin which you’re holding is enough there is no other options personally to me that will keep your asset safe most especially against inflation other than bitcoin.
The only phases of accumulation I think we have is maybe two; aggressively accumulation phases and basic accumulation period. For me whenever you’re starting to invest into bitcoin and you’re yet to get your one year salary invested into bitcoin then you should seriously consider aggressively buying with 10% to 20% of your salary and once this phase passes then you can simply start buying basically like a reduce portion of your salary should then be used to buy and then buy more during dips. But this also is only when the portion you allocated to buying during aggressive accumulation period is overburdening you or you’re diversifying (which is not my thing except or is to assets like gold only) if not if you’re comfortable with it, my advice is continue buying that way because saving in fiat is seriously a huge loss set to be incurred