It's not clear what you mean by the end of the Bitcoin story but if you are a new investor and trying to learn Bitcoin then you should study more. More importantly, try to accumulation Bitcoin along with studying. The value of every product will increase over time but you should research how you can maintain consistency with your financial situation. Suppose you are still in a job and get a fixed amount of salary every weekly or monthly. If your salary is increased a year later, it may not make much difference to the current situation because the price of the product will have increased by that time.

A portion of your discretionary income should be allocated for Bitcoin accumulate, consistent with the daily needs of the family. You can end the Bitcoin story nicely if you can continue regularly from your current income, uninterrupted and consistent. The lure of attractive prices in the long-term accumulation cycle may tempt you, but you should continue to accumulation Bitcoin indefinitely as long as your alternative source of income is ongoing.

You are being a little bit unrealistic Joy- maker if you consider that anyone might be able to consistently invest 100% of his discretionary income in the three categories of investing in bitcoin(50%), emergency funds (30%) and reserve funds (20%).

First:  If you invest and use back up funds for 100% of your discretionary income, then you are not planning on spending any money on your own discretionary consumption and/or entertainment?  Probably everyone needs at least  a little bit of side money for some kind of discretionary consumption... Even if you have expenses like: lodging, utilities, food, transportation, there is going to be some discretion within those monthly expenses and so if you try to remove any discretion then that would mean you are going to be very strict in terms of those expenses, and if you have a family that you are supporting, then each of them needs to be aware that they can only consume absolute necessities to survive, no discretionary consumption.  Sure, I might be exaggerating, but it is still a valid point that for most people there is discretion within their various monthly expenses.

Second:  Emergency funds should be built up first.  You suggest building up emergency funds and back up funds simultaneously.  Your idea is not totally crazy, even though emergency funds should have a higher priority, even though surely, I have frequently suggested that there is no reason to necessarily build your emergency funds greater than the amount that you had put into bitcoin, and I have also frequently suggested that even brand new investors will frequently have a practice of already maintaining some level of a cash cushion that might amount to 2 to 6 weeks of their expenses, so even a brand new investor into bitcoin will likely be starting out with some level of emergency funds already established which justifies his ability to get into bitcoin right away and without having to build an emergency fund first.

Third: Once your emergency funds are built up to something like 3 months of your expenses, then they do not need to keep being added to (except, if you perceive some changes in your actual and/or possible expenses that might justify increasing your emergency funds to a higher level to at least match 3 months of your expenses).  Both emergency funds and reserve funds are two kinds of back up funds.  Emergency funds are ONLY for emergencies (or they are the last level of funds that would be tapped into prior to having to tap into your bitcoin investment).  Reserve funds have a lot more flexibility in terms of adding to them and even spending from them from time to time and however they might be designated.. perhaps keeping to buy dips, saving to buy a computer, saving to buy a bicycle for kid, saving to take spouse on vacation, and/or various other categories of savings that might have or lower levels of urgency/priority, and surely some savings/reserve funds might be related to investment (or to help you become more productive in your income earning/work-related), and other forms of savings/reserve funds might be largely for consumption and/or entertainment.. even though even some forms of consumption and/or entertainment might actually be needed to create and/or preserve some social relations that ultimately help in quality of life so they might have some level of requirement (or at least mixed purposes).


Anyone calculating their level of aggressiveness from their discretionary income would already be an attempt to take out the noise, since discretionary income is intended to be the money that is left after accounting for expenses.  You have some better way of calculating and/or considering these ways of figuring out levels of bitcoin investing aggressiveness?


Of course, from your forum registration date, we can see that you have been registered here since September 2018, so surely by now, you should have had quite a few opportunities to build up your bitcoin investment, and so it could be that for you, you could have some abilities to have had built up some decent amount of a bitcoin stash by now, even though it might have still had been difficult to really build up your bitcoin stash without frontloading your investment.   

Whether you have frontloaded your bitcoin investment is another story and/or whether you stayed focused on bitcoin is also another story, since you seem to be focused on either getting in or out of bitcoin and you also seem to be focused on inferior investments, such as gold and oil, and so perhaps after nearly 7 years registered on the forum, you still have not learned about bitcoin.. perhaps? perhaps?  I have my doubts that you know what you are doing or that you are even asking questions that relate to anyone who might either have knowledge of bitcoin or who at least might be trying to learn about bitcoin, which makes it more inexcusable if you believe that you have bitcoin knowledge but you don't seem to have any or much of any.

Another thing is that surely historically bitcoin's price has tended to move in cycles, and surely anyone who has been paying attention to bitcoin for nearly 7 years should realize that bitcoin has tended to move in cycles, while at the same time, there is no guarantee that bitcoin will continue to move in cycles, even though there may be some safeness in terms of attempting to recognize the historical cycles and to also recognize that bitcoin could still be in a cycle for peaking this year or maybe dragging into 2026, yet it can be difficult to know if cycles will repeat in bitcoin, including if there might be extended and drawn out bearish periods that could start in either 2025 or 2026 or perhaps such bearish period could end up starting later in 2027 or some time after that. 

None of us can really proclaim to know the future, whether referring to markets or otherwise, even though surely we can have theories regarding various aspects of the future, including that bitcoin remains amongst the best, if not the best of asymmetric bets that are currently available to everyone and/or anyone with a discretionary income or discretionary funds. Hopefully anyone investing into things like gold and/or oil are not putting too much value (such as greater than 10% of the size of their bitcoin investment) into such likely to be inferior investment locations, even though sure, there are investment theses for gold and for oil, yet anyone who knows about bitcoin should be figuring out their bitcoin allocations.. and frequently for newbies I suggest considering 5% to 25% allocation to bitcoin to start out, yet each person is responsible for his own choices including how whimpy or how aggressive he might choose to be in terms of his bitcoin investment that also includes accounting for his personal factors.


In recent times, I have been thinking about ways to attempt to characterize what might be an adequate amount to invest into bitcoin, and surely anyone who might have had gotten to a place that they had invested a year of their income (or even a year of their expenses - which would be a lower number) into bitcoin, then surely they have dedicated a quite a bit of investment into bitcoin... and it could take a person 4-20 years to reach such levels of investment into bitcoin, and the person who invests only 5% of their income into bitcoin will take 20 years to have had invested 1 year's income into bitcoin, while the person who invests 25% of their income into bitcoin will have had achieved putting 1 year's of their income into bitcoin after 4 years.  Of course, not everyone is capable of putting 25% of their income into bitcoin.. yet we can see that if someone has more discretionary income (such as a higher percentage of their income is discretionary) then they will likely have more abilities to reach a point of being able to have had invested a whole year's income into bitcoin sooner than the ones who have lower percentages (or amounts) of discretionary income.


Since woez has been registered on the forum since September 2018, we cannot really know the extent to which he had already been accumulating bitcoin, yet sure, there is likely quite a bit of safety to presume that woez does not really get bitcoin, and that he has not been focusing on accumulating it.. which has either put him as a no coiner or pretty low on the lowcoiner scale, relative to where he could have had been by now.

Otherwise, I agree with your recommendation including your suggestion to focus on something like 2032 (even though that is closer to 7 years into the future rather than 5 years into the future...

It seems anyone who is just starting out investing into bitcoin now and who is not able to either frontload his investment or he cannot anticipate being able to invest 15% or more of his income into bitcoin, then he is likely going to need at least 7 years to invest one year's of his income into bitcoin.. .which I consider to be a reasonable target that becomes somewhat tangible for guys to figure out how long it might take them to get to a point of having had invested a whole year's income into bitcoin.

If you are just thinking of the short term, you may not really enjoy Bitcoin and all the promises it holds. The best way to go about Bitcoin is to think long term since no one knows what will happen in a year or just few years but we do know that if you hold between different halvings, you will likely see remarkable growth in your investment as have been shown by available record.

You can reconfigure your mindset and think towards 2032 which is over 5 years from today, while you are focusing on that time, continue buying at whatever price you see and holding. Ensure you put only your discretionary income and also keep some funds to cover for any unplanned spending while you are holding your Bitcoin, this will serve as a protection to your Bitcoin. If you do this with utmost dedication, you will be happy at the end of the period.

A good plan, but personally, my level of aggressiveness will always be balanced with how much of my income post each month is truly safe and not disturbed by all the noise. Btw, how will the BTC story end at the end of 2026 and this is very interesting to know because currently gold and oil are on the rise.