Quote from: kanftka on Today at 04:17:10 AM

Quote from: Solokan on July 20, 2025, 01:13:47 PM

Quote from: Jostern on July 18, 2025, 07:11:56 PM

I think the only problem we would have in terms of being aggressive in accumulating and buying bitcoin is when we over do it, that is why it’s necessary for an investor to have a financial plans how to be aggressive knowing when to be cautious, we can decide to be aggressive with all our discretionary income but we should also consider the financial implications by also having our various financial strategies on how to manage our Bitcoin investments and how to be on a sustainable preference. I believe that our level of aggressiveness will depend on the amount of discretionary income that we have and what we can actually deal with, so it’s a choice if we want to go 100% or we want to consider having to sustain our investment.

Investing in BTC doesn't have to be complicated as long as we have an emergency fund and health insurance. Using discretionary funds to buy BTC is certainly a viable option. With discretionary funds, we're already secure, as it's the money left over from living expenses. So, I think we can be very aggressive in using that money to buy BTC. If we aggressively buy BTC, we'll certainly profit in the future if we hold it for more than 10 years. However, I don't think it's a problem if we're not aggressive, as long as we buy BTC regularly, such as weekly or monthly.

If our discretionary income is large, it will certainly make us more comfortable because it's easier to manage. However, the biggest disadvantage, in my opinion, is having discretionary income but not setting aside a large or small amount of money to buy BTC. So, if we buy BTC, accumulate it, and save it for the long term, we'll certainly profit in the future.

True, This is the kind of clarity a lot of people need. Mixing up emergency funds with discretionary income is where many go wrong.

Emergency funds are meant for real life problems, things you do not see coming. Bitcoin investing should only be done with money that won’t affect your day to day if the market dips.

When people separate the two, they invest with a clear head. No panic, no pressure. That’s how you build long term without stress. You could check this out, where i talked about the difference between Discretionary and Emergency funds: Discretionary Income vs Emergency Funds: Why It Matters for Bitcoin Investing

Our discretionary funds has a different function from our emergency funds so I don't know what will make someone mix these two funds together and there is a consequence if anyone try to... Emergency funds are been used to handle or take care of any unexpected situation that arises during our period of investment and sometimes this emergency problem can be very cumbersome that is why we are suppose to make our emergency funds big since we don't know the emergency or challenge we will encounter along the line.