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.
This will depend very much on each person's income, because the amount of income of each person is different and even each country has a difference in the nominal income and again it can be very different from each person.
But for me, whatever the amount is, it doesn't matter as long as we have a profit. Especially if the bitcoin we have is accumulated over a long time, even though the amount of our investment is small in each purchase, because the more often we buy, the small amount will become large. I personally don't see that, but I just try to be able to continue to accumulate it.