That's the point Buddy,we cannot continue to eat our cakes and have it back . Some investors are fonds of dipping hands into their bitcoin portfolio with the mindset that it will appreciate back, that's bad. Such an investor is not helping his investment to grow in anyway. Tampering with his stash shouldn't be his last resort even after every other option has failed.if he has a good management plan and better cash flow,he wouldn't be thinking of tampering with his stash in the first place and for whatsoever reasons. I think this where his Emergency funds and reserve funds plays a critical role when situation rises to protect his investment from bad occurrences .An investor Bitcoin stashes shouldn't be tamper with rather it should be held for the longer term as it could also serve a greater purpose after retirements.
Let us be sincere to ourselves there can be reason why an investor can tamper with his stash and not the way you are making it look like, it has been a good and encouraging practices of ensuring the provision of an emergency funds and reserve funds to be made available for their specific purposes for anyone investing in to Bitcoin and if it happens that it is a health issues where they must have make use of their reserve funds first followed by their emergency funds and the issues still remain unsolved and they have completely gone out of the back up funds then there is nothing wrong tampering their with our Bitcoin at that point in time, you can't completely say it is wrong to tamper with our Bitcoin for whatsoever reason.
Honestly, not all life is in black and white. Life has its own twists and turns and there are times when you have to take a dive into your stash. Although it is best to think long term and use emergency funds, not all people can have that pattern available. The key is intent and discipline, when someone pulls out of his or her stash with express purpose of recuperating and not as a habit then it may still be reasonable relative to his or her situation.
Some people put themselves into situations in which they have to dip into their stash because they failed to adequately prepare... but yeah, I agree with you that there will sometimes be situations in which a person has to draw into his stash.. and perhaps the earliest times of building up the bitcoin stash and the emergency funds is the most delicate, yet at the same time, BTC price moves can sometimes contribute to mistakes being made. When we build our various back up funds and strengthen our cashflow management systems we lessen the chances for mistakes being made (such as dipping into the BTC funds), yet we likely are not able to completely remove such possibilities.. even though sometimes people do end up dipping into their funds due to their own sloppiness and mistakes that could have had been avoided.
According to your suggestion, you're implying that it's way more better to invest in Bitcoin, even if it's actually whimpily or sluggishly done, than not investing at all, and I find this to be very true and agreeable. You know, there are a lot of investors or should I say those who plan to invest, but they've not been able to make any step towards getting started, maybe because their idea of Bitcoin accumulation is being aggressive, so they can reach their long term goals master
K, and since they currently do not have the resources to invest in that pace,
I would think in the majority of cases it is not good to start out investing into bitcoin aggressively unless you already have a lot of investing experience and/or you are a fast learner when it comes to what would be a good approach to quickly getting a decently large position in bitcoin.
Most people are better off to hold back a bit in the very beginning and put some kind of a reasonable bitcoin accumulation plan into practice, so for example, a guy with $100k investment portfolio might want to get his bitcoin allocation to 15%, which would be $15k, so maybe he decides to invest around $1k per week for the next 15 weeks (3.5 months), and then to reassess at that time. There are other ways to exercise some conservativism in the beginning and surely a lot of folks might not be sure about what is their total budget and/or their discretionary income, so a guy who pretty much knows that he could invest $100 per week without having any problems, he might purposefully decide to start out at $30 per week while he is assessing the situation and then when he becomes more comfortable, he might increase his weekly investment amounts... maybe after a few weeks of studying the matter.
Yes, getting started into investing in Bitcoin, is really important even if the amount for investing is very small, at least it can be beneficial, they can be doing that, while they get to know more about Bitcoin matter and how it operates, after then, they can decide if they should continue investing in Bitcoin in a more bigger amount and plan how to manage their capacity, even though there may be some risks involved or if they will have a shift in their approach or position..
Using your example, someone with that kind of income can decide on the amount to use for investment, if they will investing in weekly or monthly and if it's monthly payment, they have to make the amount higher, for it not to seems sluggishly. But it all depends on the individuals and their choices to decide how their level of investment based on their capacities.
For regular DCA, I like the idea of weekly DCA, especially for the beginner in the first few years of investing... yet the example that I gave was someone who was lump summing $15k in to bitcoin, and it was not likely coming from his regular income, and that was just an example of front loading the amount over 15 weeks if that might have been considered an acceptable timeline for someone who is wanting to get his first established stake into bitcoin over a period of 15 weeks.