Sure, investing into bitcoin and even reaching overaccumulation status tends to be a product of both time and also how much we are ongoingly putting into bitcoin, yet even if we had not yet reached overaccumulation status, the passage of additional time could put our bitcoin holdings over such threshold and into overaccumualtion status.  

Let's say for example a person with around a $50k per year income had been investing into bitcoin fairly aggressively for 7 years at a rate of about $200 per week (which is about 21% of his income) between the beginning of 2017 and the end of 2023.  By the end of 2023, he had invested right around 73.2k into bitcoin (which is about 1.5x his annual salary) and he had accumulated nearly 10.6 BTC,

and so he was feeling pretty good about his bitcoin investment, yet in early 2024, he knew that 10.6 BTC would only support an income of about $31.6k per year, and his goal was to achieve an annual income of $80k per year from his bitcoin and to be able to adjust such annual income upwardly every year in order to account for the anticipated (and likely inevitable) cost of living increases (dollar debasement).

In January 2024, he would have had needed to have 26.84 BTC in order to sustain an income of $80k annually, and so he was faced with a choice to keep accumulating and/or to just let the time pass, and perhaps this guy was starting to feel that he was not getting as much bang for his buck by continuing to put $200 per week into bitcoin, so he decided to put most of that $200 somewhere else and to just let the time pass. Sure he could continue to buy bitcoin, but he also does not need to buy bitcoin in order for the likelihood that the passage of time will bring his 10.6 BTC up to an amount that is close enough so that he can sustainably live off of it at his target income rate.  Of course, you may have had recognized that personally, I prefer to suggest that guys continue to buy bitcoin rather than to just let passage of time play out yet each guy has to figure out the extent to which he believes that he is getting enough bang for his buck in regards to continuing to invest into after he had already invested quite a bit and the BTC price had appreciated a lot or if he might use his income in other ways.

At the time of this post (nearly 17 months after his January 2024 assessment), his 10.6 bitcoin would give him an income of about $50.5k per year, which surely is more than what he would have had been able to get in January 2024, and right now in order to have a sustainable income of $80k per year, he would need at least 16.781 BTC, which is right around 10 BTC fewer than the 26.84 BTC that he would have had needed in January 2024.

So surely he could have had continued to accumulate bitcoin, yet at this time, his merely holding his bitcoin is coming up in value faster than he would have had been able to accumulate it, even if he were to have had continued with his fairly aggressive approach of using 21% of his income ($200 per week) to continue to accumulate bitcoin in the past 17 months.

I agree that his stash is not even quite at the threshold level to start to withdraw at $80k per year, yet it seems quite likely that even if he does not accumulate any more bitcoin, within a couple years 10.6 BTC will be enough to start to withdraw at $80k per year.. but at the same time, he also might want to get to deeper into overaccumulation status before he starts to withdraw any BTC, which also could justify either accumulating more bitcoin and/or just waiting an additional amount of time in order to create a greater cushion.  These are somewhat individualistic determinations, even though there could be some commonality that guys might start to feel that they are justified to start becoming less aggressive in their BTC accumulation, so the guy could also slowly reduce his investment amount too from $200 per week to $100 per week to $50 per week, yet many of us also likely recognize that the mere maintence of $200 per week over 7 years was enough to reduce the $200 per week in size since $200 per week is not worth as much in 2024/2025 as compared to what it was worth in 2017 when he first started investing at that rate.