The bitcoin price has been bullish for some time now. How could someone possibly reach an over accumulation in just 4 years of bitcoin accumulation even after consistently front loading his wallet? I don't mean to undermine the fact that income varies. But aiming at over accumulation in 4 years could cause a financial stress. Holding could be valid in 4 years minal period but not an over accumulation.
That depend on how much their budget to invest in Bitcoin for 4 years. If they can prepare a lot of money, I am sure they will reach their target amount of Bitcoin they want and even more. If you only use small money, perhaps that takes a long time before you can have 1 Bitcoin. So that will be back on how much the money you prepare to invest in Bitcoin and how many Bitcoin you want to achieve in the future.