Quote from: Loyang on Today at 09:04:42 AM

Quote from: Silikiem on July 18, 2025, 06:10:00 PM

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When can we say aggressive buying? When we invest with our full or some less amount of our discretionary income, then we can call him an aggressive investor. But always buying so aggressively is not right at all. If you always buy aggressively, then you can put your saved Bitcoin at risk. For a new person, investing 5% to 25% of his discretionary income will be the right decision and it is very good to maintain the continuity of investment. For example, if you invest with your full amount, then if you face any kind of financial crisis, then your only option is an emergency fund. And if you invest 5% to 25% of your discretionary income, then you will have some money left and if you face any kind of financial crisis, then you can deal with that crisis with it.

Guys can invest up to 100% of their discretionary income if they choose, and I agree with you that they might be over doing it, but if they have emergency fujnds and reserves in place (in case they make any mistakes about their expenses) then there is nothing wrong with being as aggressive as they can be without over doing it.

5% to 25% of discretionary funds invested in bitcoin is pretty whimpy... even though that is a choice.

Many times folks will talk about investing 5% to 25% of their total income.. so if we are talking about total income we might be coming to a different number, and of course, measuring from the discretionary income is more precise in terms of figuring out the extent to which we might be considering our approach to be aggressive or whimpy.

Sometimes we want to know how much we are investing in terms of our income or in terms of our expenses in order to potentially estimate how much money we might need (want) in order to get to fuck you status or to be able to have a target income level for our sustainable withdrawal practices (to figure out the amount).. which might relate to the standard of living that we already have or perhaps some standard of living that we might aspire to, and sometimes guys can become unrealistic or maybe even overly abstract in regards to their expectations.. which then makes it harder to achieve goals that have not been established with any kind of grounding and/or basis.

Quote from: laijsica on Today at 11:45:19 AM

Quote from: Cossyblack on Today at 10:40:13 AM

Quote from: DaNNy001 on July 18, 2025, 02:34:11 PM

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You're right, the sole purpose of starting a bitcoin investment is to make profits and offcourse there are process that must be followed step by step to actualize that purpose as results in bitcoin doesn't happens overnight but in years specifically. When it comes to accumulating of bitcoin,it should only be done only within our discretional income and not outside of it. We re also expected to buy when our discretional income is ready but buying & investing outside of our discretional income is over-stretching oneself financially which is inappropriate. Investing within our financial limits and not overdoing it goes a long way and would bring about a positive impact on our bitcoin investment.

Even if the goal is to make a profit, we have to be prepared for all the steps that you have to go through. Among these, as you said, accumulation through discretionary income there are other things like emergency funds, above all patience is needed so that you can sustain yourself with investments in the long term. Yes, for regular accumulation it is more important for us to have only discretionary income arrangements. If you get bearish on the even of a regular Bitcoin run, you can buy aggressively but this does not always happen. If it happens to us occasionally it is necessary to have a floating fund along with a backup fund to ensure proper use of that time. Because buying Bitcoin occasionally in aggressive for 4-10 years can get a long way towards increasing the size of the portfolio.In addition to long-term Bitcoin occasional aggressive buying help grow your portfolio, making it easier to make profits.

Of course, guys can have whatever goals that they want to have, yet I would suggest that a meaningful goal would be to potentially increase our options in life, including to replace our income in full or in part. There is a presumption that the bitcoin holdings (investment) would be in profits, especially if we me might be looking 4-10 years or further into the future, since most likely the amount that we had put in will be much smaller than the amount that we are expecting to be able to take out.

In other words, merely striving for "profits" seems quite small potatoes and causes many errors when guys are engaging in various cashing out of some or all of their bitcoin merely because they are able to realize "profits."

It seems that an investment empowers us in regards to our options and the various ways that we might choose to draw upon it either as some kind of exclusive income or perhaps more commonly as a means to supplement other kind of income that we might have developed by the time we get to the point of withdrawing from our bitcoin, hopefully withdrawing in sustainable ways rather than merely spending time building bitcoin to then cash in all of the bitcoin at once.

Quote from: Finebone on Today at 03:59:22 PM

Quote from: Loyang on Today at 09:04:42 AM

When can we say aggressive buying? When we invest with our full or some less amount of our discretionary income, then we can call him an aggressive investor. But always buying so aggressively is not right at all. If you always buy aggressively, then you can put your saved Bitcoin at risk. For a new person, investing 5% to 25% of his discretionary income will be the right decision and it is very good to maintain the continuity of investment. For example, if you invest with your full amount, then if you face any kind of financial crisis, then your only option is an emergency fund. And if you invest 5% to 25% of your discretionary income, then you will have some money left and if you face any kind of financial crisis, then you can deal with that crisis with it.

When talking about buying Bitcoin aggressively, it's not a terrible idea entirely, as long as you are buying it from your discretionary income, then you shouldn't be bothered, just that some folks over do it to the extent that it start having a negative effect in their abilities to take care of other basic needs, aside that, it is good.
Additionally, when buying aggressively like that, you should make sure that your emergency and reserve funds are huge and are in good shape, so that you wouldn't run into trouble financial in the nearest future.

I have trouble with this idea of "huge" emergency funds and reserve funds. When we are in the early stages of building our bitcoin investment, the emergency fund needs to be adequate, and perhaps somewhere in the ballpark of similar size to the bitcoin investment fund, until such point as both the emergency fund and the bitcoin investment reaches 3 months of expenses.. and surely the Bitcoin investment will start to outgrow the emergency fund. and of course, having reserve funds also give grater flexibility, so sometimes the reserve funds might start to get to be a lot of money depending on the reasons for establishing it and then there could also be questions regarding if it needs to be in cash or if it might be kept in some other form...and of course, if the form is changed then there can be questions of it volatility and its liquidity.

Quote from: I_Anime on Today at 06:49:24 PM

Quote from: Joy- maker on Today at 06:40:54 PM

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The thing is that your emergency funds and reserve funds does not come from your discretionary income. Discretionary income the.amount of money remaining after taken care of your essential expenses, is like leftover after you have done splitting your earning with different percentages to handle some expenses and same time , your emergency funds and reserve funds .

So if you can choose to use your discretionary income as you please because is money you can just spend that's not meant for any fixed expenses just there it can be seen as a back up funds if you don't have any investment, but for someone that's investing in Bitcoin your discretionary income can serve for such purposes ( investing in Bitcoin).without any need of going over board even to the extent of using your emergency or reserve funds .

Emergency funds and reserve funds are built up from discretionary income.

Of course, each month people would likely spend from their discretionary funds before they tap into their reserve funds or emergency funds... yet if the run out of discretionary funds then they would draw from their emergency funds and/or reserve funds and presumptively drawing from their reserve funds before drawing from their emergency funds, and the emergency funds would be the last level of protection before tapping into bitcoin holdings.

Goals surely might be set within these areas, and surely it seems that one of the goals of a bitcoiner would be to build up his bitcoin holdings, yet he may well have some other competing interests in his life, so he has to figure out his priorities in regards to his bitcoin accumulation as compared with the other competing interests that he has, and sometimes he might need to try to increase his discretionary income in order to attempt to accomplish his interests within his preferred timeline.

Quote from: Perfectbaby on Today at 07:12:16 PM

Quote from: Jostern on Today at 02:02:32 PM

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Making plans for such provision helps to lead us to a greater achievement in our investment, though we can actually decide to gradually double our holding whenever the market seems to have little declines and through DCA it's that easier for us without overly invested or affecting our finances.

In our earliest times of investing it tends to be easier to increase our bitcoin holdings in a short period of time, such as doubling it... Yet the longer that we are investing, the more it becomes apparent that each time that we buy bitcoin, then the amount bought is ONLY adding to our bitcoin size in small ways, and even sometimes difficult to measure ways.. so surely if we are investing into bitcoin by buying persistently, consistently, regularly ongoingly and perhaps even aggressively, there may not be BIG differences between if we buy $100 more worth of bitcoin at $96k or at $121k... Sure it is nice to be able to buy bitcoin cheaper, but at the same time, it may not add much value to our whole bitcoin accumulation practice if we are fucking around trying to figure out if there might be a dip or not.

So then if we had largely been attempting to buy as aggressive as we can from the beginning of our investment, and even perhaps trying to front load our bitcoin investment in the beginning, rather than fucking around trying to strategize dips that might not happen, then after 1 or 2 cycles, we will likely see that we had all kinds of bitcoin purchases at various prices, yet even our higher priced purchases, still ended up being quite profitable, especially 1-2 cycles later down the road when we might be assessing if we got enough, but and we will likely see that 1-2 cycles down the road, we well be wishing that we had been able to buy the bitcoin 1-2 cycles earlier, since the BTC prices are likely going to be higher 1-2 cycles down the road.

Of course, if we are able to reach a status of having enough or more than enough BTC, then we might not be accumulating as many bitcoin at some point down the road, such as 1-2 cycles later.