Quote from: Tungbulu on July 03, 2025, 07:34:17 AM

Quote from: JayJuanGee on July 02, 2025, 08:13:06 PM

Quote from: MainIbem on July 02, 2025, 03:44:56 AM

Quote from: Merit.s on July 01, 2025, 09:18:08 PM

Of course, just the way that our skin color is different, so is our income and discretionary income. In order for you to invest without selling your bitcoin when it's not of your will, you should use an amount from your discretionary income that wouldn't be a burden to you so that you can continue buying with DCA regularly every week consistently and persistently for 4-10 years and above. Before you know it, your portfolio will be increasing gradually overtime.

Bitcoin investment is a long-term investment for the future so there is enough time to keep on accumulating till you reach your bitcoin target, if you do it the right way and not after little profits or invest over aggressively outside your discretionary income.

Jokes on anyone that thinks they can buy during the dip, sell when they make profits then wait for another dip and buy again, such person who keeps disturbing their portfolio is not a real investor, what happened to patience? It doesn't even show discipline cause what if an emergency occur and the money the person intend to use in buying the dip could be split or entire funds used to settle the emergency situation, that's not wise which is why anyone who want to be a real investor should have a job for a start then set aside their discretionary funds to allow their investment go smoothly instead of doing otherwise and giving a trader vibes. Bitcoin investment is not as difficult as some folks think, it's even good that more people understands and put it to practice so on the long run it would influence their general way of life positively, there's no harm in being patient and discipline those are very good traits and investing in Bitcoin can help people without them possess them on the long run if they're determined and follow their investment diligently.

I am having troubles understanding how this line of discussion relates to the topic of this thread, since there is a bit of an assumption, here that we have already reached our overaccumulation status.. and yeah, of course, if guys might start selling some of their bitcoin because they have reached overaccumulation status, then they would not necessarily be expecting to buy back cheaper.. so likely in that regard, they would not be selling so much as to put themselves out of overaccumulation status, whether they are engaging in price-based withdrawal or time-based withdrawal.

When investors have reached a state of overaccumulation, the focus shifts from accumulation or making more profits to management and optimization. And in this context, selling of Bitcoin suddenly becomes more of a strategic decision, and these decisions should be driven by long term financial goals as well as risk management, rather than making decisions based on short term market fluctuations. Reaching a fuck you status isn't as easy as it sounds, it takes lots of dedication, discipline and consistency and Those investors who have managed to get to this point are more likely to prioritize maintaining their desired allocation, manage tax implications (for countries that impose taxes on Bitcoin) and lastly, ensuring their financial stability.

Their approach to selling their Bitcoin becomes more deliberate, planned and intentional, and they sell with a purpose to achieve specific objectives and not simply because they're reacting to the Volatility in the market. It really doesn't matter whether they're using the time based or the price based withdrawal strategy, the overall plan remains to optimise their financial position while simultaneously minimizing certain risks that could be considered to be unnecessary.

Even though everything that you are saying comes off as mostly correct, it also comes off as a bit theoretical if you cannot elaborate on what you mean a bit better, perhaps with the use of some examples or something like that.

One essence of arguably arriving at overaccumulation status is that the options seem to increase because something like selling becomes a more of an acceptable tool when we transition from focusing on ongoing accumulation towards some kind of a maintenance and then later that more and more allowance for selling and maybe fewer inclinations to buy, except maybe on extreme debts (well that is if the bitcoin have previously been managed in such a way that excessive cash is still being held during dips in the BTC price), yet at the same time, overaccumualtion status is not exactly a bright line, so how to deal with it seems to therefore depend upon how it is defined.

I have recently been mentioning that with my own perceptions regarding when I reached overaccumulation status, my today's definitions seem to have had changed in some ways, yet also it seems that these days I might be focusing more on certain factors rathe than other factors, even though likely I still had been accounting for all of the 9 individual factors to figure out where I believe myself to have had been and then how to potentially deal with that based in the individual factors.

I continue to have the sense that price based sustainable withdrawal are likely to both be utilized more frequently than time-based sustainable withdrawal but also to continue to ongoingly applicable, even though some of us might even be employing such price based sustainable with time factors in mind. Yet, I think that even the way that I outline price based sustainable withdrawal ore time-based sustainable withdrawal, each of them have aspects of the other contained therein.

I guess what I am getting at, no matter what, many guys get sucked into some kind of attempts to account for BTC price movements (and even anticipation of future BTC price movements) in order to modify what they are doing, even though I so frequently criticize others for making large moves that from my perspective come off as forms of gambling rather than trying to employ more moderate approaches that attempt to deal with BTC holdings in more incremental ways that will try to hold back and prevent selling too much bitcoin too soon.. yet even from my own perspective, I sometimes am not sure if I might be the fool, since when the BTC price ultimately does some kind of a long, drawn out and even deep correction, the guys who sold some of their BTC and bought back slowly have tended to be able to buy more BTC back as compared with the BTC holder who had dealt with his BTC holdings in more incrementalist ways.

I know that another trick in using examples is attempting to make them seem realistic without necessarily talking about our own situations, yet if we sometimes get into specifics of examples, other folks might truly start to speculate that we are talking about our own specifics, yet I believe that practicing giving examples might help to dispel some of the abilities for others to proclaim which examples that we give are more like our own situation rather than our actually talking about situations that might exist with folks we know or even with folks we do not know.. .. such if we might discuss (or compare) a person who had been registered for less than a cycle or another more than a cycle, and frequently when we are making comparisons we might be wanting to compare hypotheticals with similar timeline (meaning we need to hold some constants in order to attempt to make the comparisons meaningful)

- though surely there still can be some benefits to comparing guys with differing timelines who might be following similar techniques, and we frequently will see that the guy who had been carrying out a similar technique (such as BTC accumulation) longer will likely get himself into a way better position as compared with the shorter-term BTC accumulator, even if he may well have had screwed up more and even if he might have had employed a more whimpy strategy... It seems that with the passage of time, even the more aggressive accumulators tend to have a lot of difficulties to catch up to the persons who had been accumulating longer.

Quote from: traderethereum on Today at 10:05:50 AM

Quote from: Merit.s on July 01, 2025, 09:18:08 PM

Quote from: traderethereum on July 01, 2025, 07:53:31 AM

And it doesn't take long for him to panic when the market drops sharply. That will make him sell his Bitcoin and think about buying at a low price after the decline is over. And investment should be separate from funds for other purposes so that it will not cause financial difficulties for you in that month or in the coming months. So using all the money for any investment even savings is not a good idea because after all, he must be able to meet all his living needs. This requires an understanding of how to start investing. JJG has shown us how and we can use it or modify it according to our circumstances. We use DCA in investing but the amount of money must be different.

Of course, just the way that our skin color is different, so is our income and discretionary income. In order for you to invest without selling your bitcoin when it's not of your will, you should use an amount from your discretionary income that wouldn't be a burden to you so that you can continue buying with DCA regularly every week consistently and persistently for 4-10 years and above. Before you know it, your portfolio will be increasing gradually overtime.

Bitcoin investment is a long-term investment for the future so there is enough time to keep on accumulating till you reach your bitcoin target, if you do it the right way and not after little profits or invest over aggressively outside your discretionary income.

The allocation of the money is the important thing so we can continouosly investing in Bitcoin without have a problem in finance. Bitcoin investment is a long term investment so should have patient and focus with that to achieve our goals in the future. Many people forget this rule and become panic especially if they don't have a strong hands.

It is not easy to hodl Bitcoin until the time but that is the challenge that we should face and solve how to hodl Bitcoin with tight. DCA really help those who want to wait with patient and there will be a big reward for them.

Part of the dilemma that you seem to be highlighting traderethereum is that there likely will be some time delay between the period in which guys are accumulating bitcoin and when it might start to make sense for them to start to sell some of their BTC, and some guys deal with the time delay by buing in lump sum within a few periods adn then just waiting for their $100 (or whatever the amount?) to turn into $1 million.

And, then other guys regularly accumulate through a whole cycle or two, and they might not be sure if they need to slow down in their BTC accumulation, yet the size of their BTC holdings as compared to their budget may well start to justify that any additional value that they are putting into their bitcoin holdings does not seem to be causing any material difference.. so at some point they will just tell themselves that it does not really pay to continue to buy bitcoin, unless maybe on dips or on major dips.

Some of the same DCAing guys might get into a rush and start to believe that there might be some benefits to start selling BTC, so hopefully they do not end up in selling too many bitcoin too soon.

Quote from: traderethereum on Today at 10:05:50 AM

Quote from: JayJuanGee on July 01, 2025, 09:35:46 PM

Quote from: traderethereum on July 01, 2025, 07:53:31 AM

Quote from: MainIbem on July 01, 2025, 03:12:01 AM

Quote from: Wapfika on June 19, 2025, 01:47:18 PM

...Then just invest on Bitcoin money that you don’t have special allocation on it so that you will keep your finances normal even if a financial problem arise. As already pointed out by JJG, people frequently invest all their money for the sake of profit even though it’s allocated for something important.

A salary earner who invests all their money into Bitcoin for the sake of profits is not a real investor, the person is a trader trying to double his income with the idea of Bitcoin investment but it's a wrong move that would backfire since Bitcoin is a long-term investment opportunity, I mean that the person would be forced to sell at some point especially if he's one who earns on a monthly basis. There's a reason why Bitcoin investment is best done with discretionary funds, cause at that point you've already separated the funds meant to essential expenses from that meant for investment, but going in to the market with all his salary for the month especially if he's yet to meet his target or invest for a decade or atleast one complete circle, would force him to withdraw from his portfolio to solve his essential needs.

And it doesn't take long for him to panic when the market drops sharply. That will make him sell his Bitcoin and think about buying at a low price after the decline is over. And investment should be separate from funds for other purposes so that it will not cause financial difficulties for you in that month or in the coming months. So using all the money for any investment even savings is not a good idea because after all, he must be able to meet all his living needs. This requires an understanding of how to start investing. JJG has shown us how and we can use it or modify it according to our circumstances. We use DCA in investing but the amount of money must be different.

Of course each person should be attempting to tailorize both his bitcoin accumulation strategies and his cashflow management strategies to his own circumstances, so in that regard, each person is likely to have variations in the way that he tailors based on his individual circumstances, even if some guys might have similar goals to accumulate as much bitcoin as they can within their own financial and psychological circumstances.

In this thread, I am trying to suggest ways that guys might manage their BTC once they start to feel that they have enough bitcoin or more than enough bitcoin.. so there is a bit of an assumption of having had already gotten through bitcoin accumulation by the time the ideas of this thread start to become relevant.. such as the employment of sustainable withdrawal practices (price-based and/or time-based).

I attempt to focus more on bitcoin accumulation strategies and/or cashflow management ideas in my bitcoin investment ideas thread.

Even that bitcoin investment ideas thread is right around 3.5 years old, so sometimes there are desires to attempt to consider and talk about these kinds of investment ideas within a more contemporary and active context, whether related to bitcoinm accumulation, cashflow management or otherwise... so in that regard, it does not hurt to continue to bat around those kinds of ideas within that other thread.

Bitcoin management will depend on how knowledgeable they are about it. But unfortunately, the average person does not want to learn or finds it difficult to learn so they think that investing in Bitcoin is just a one-time purchase and holding it. This needs to be straightened out so that they can change their view that this investment is intended for the long term and is sustainable over time.

You still seem to be grappling with ongoing BTC accumulation questions rather than various questions that might relate to determining whether any of us might have had reached overaccumulation status and/or how to deal with overaccumulation status once we are getting there or getting close to getting there... which seems to be the topic of my other thread rather than this one.

I think that part of the reason that I tend to be such an advocate of both DCA and also ongoing accumulation of BTC over at least a whole cycle is because I frequently get the sense that the lump summers get sucked into a kind of trader and/or gambler kind of a mentality, which also likely detracts from their learning about bitcoin and perhaps more importantly leaning about their own financial circumstances and/or psychological inclinations (when it comes to how to potentially push cashflow management limits)

Quote from: traderethereum on Today at 10:05:50 AM

If they already understand how to start DCA, they don't need to worry anymore, especially if they are able to allocate some of the money they can afford into Bitcoin investment. They just have to continue their plan to invest in Bitcoin until the target time they have determined.

Sure, DCA happens to be a quite adaptable way of getting into bitcoin, staying involved in bitcoin by allowing a lot of tailoring to a variety of circumstances and even potentially facilitating incentives for guys to ongoingly pay attention to the bitcoin space (including how bitcoin might be affecting their cashflow management practices), yet of course, there can be balancing of lump sum buying, buying on dips and even front-loading that can also be helpful, even if they may alwo may well be allow for the prioritizing of mostly ongoing BTC accumulation through mostly DCA techniques.

Quote from: traderethereum on Today at 10:05:50 AM

I try to invest in Bitcoin every month. Although the amount of money is not as big as other people, it is money that I can afford. So how much money must be adjusted to our income after being reduced by the allocation for daily needs and also for emergency funds. But I'm sure there are many people who have their plans in running DCA.

From my perspective, you seem to be gravitating towards a similar mistake that so many folks end up making, which is tryign to figure out their bitcoin investing approach based on their income rather than based on their discretionary income.

Yeah, sure maybe you are still accounting for your discretionary income first, but you are still seeming to describe the situation from a back-assward way.. at least from my perspective.

Accordingly, it seems to me that guys should be figuring out their income and their basic expenses first in order to establish their discretionary income, and for sure, there are likely so many people who have irregular income and/or irregular expenses, yet at the same time, the more that each of us try to track these matters, we likely would be able to sense patterns.. and also to build up our various back up funds around our cashflows in order to potentially be able to invest in bitcoin every week (to give bitcoin a higher priority in our lives without increasing cashflow management risks), and for sure, I am not proclaiming that you are for sure in a position to be able to just move a few things around and the n be able to go from monthly buying of BTC to weekly buying of BTC, since for sure buys who have relatively small levels of discretionary income are likely going to be challenged no matter what they do, and for sure it is more challenging when the discretionary income is relatively small and perhaps you have already spent quite a bit of efforts trying to increase your discretionary income by increasing your income and/or decreasing your expenses.^**

**Note: For sure, I am a BIGGER advocate of increasing income rather than decreasing expenses, even though sometimes there can be some reasonable ways that expenses can be adjusted and allow for considerably larger bitcoin purchases and/or better cashflow management since we might end up organizing the expenses and categorizing them better, so in that regard, one great organizing practice may well be to consider how to separate various kinds of expenses in to differing categories. So you might create categories:
1) basics - absolutely need to survive - such as basic food, lodging, utilities,

2) advance basics.. difficult to change.. such as extra costs on some of the basic foods, lodging, utilities.- might be able to be cut back

3) related to work transportation costs for work, clothing for work, communication matters phone, computer phone. some times can be cut but will have income related cost

4) more fancy foods, restaurants, entertainment some socializing costs, luxury items that might give status..

5) bad habits maybe easier to cut but does not mean that you want to cut them cigarettes, drinking, junk food, gambling, and even some bad habits might have some benefits or potential benefits

6) whimsical spending - might be easier to cut - sometimes you might even be able to buy in bulk or coordinate with friends, family, neighbors in order get better prices and/or better prices.

Surely some categories are easier to cut than others, and some items you might not know where to put them.. but if you go through your own historical spending or even your planned future spending, you might consider that the reason that you have certain expense might not even necessarily justify the expenses.. especially if you consider cost versus benefits, yet at the same time, you might some costs that have intangible benefits that might be justied to keep in consideration of the intangible benefits