Quote from: Merit.s on Today at 04:26:01 AM

Quote from: ruykeri on Today at 03:38:03 AM

Quote from: JayJuanGee on July 26, 2025, 11:55:45 PM

Quote from: Regardme on July 26, 2025, 08:49:33 PM

One must be a high income earner to say he’s buying aggressively with his discretionary funds.

That is not true.

Anyone who has discretionary income can choose how to spend such discretionary income. There are some folks who have $10 per week of discretionary income and there are others who have $1k or more per week of discretionary income. The level of aggressiveness has to do with what proportion of their discretionary income are they using to buy bitcoin.

I would suggest that if they are using 70% or above of their discretionary income to buy bitcoin, then they are being aggressive, and if they are using less than 10% of their discretionary income to buy bitcoin, then they are likely being whimpy.

People completely have the right to choose whether or not to invest in bitcoin and their level of aggressiveness, and their choices (and actions) have consequences that they will live with either way, whether they choose to invest in bitcoin or not and if they do what level of aggressiveness they choose.

For sure if a person is new to investing and if a person does not have back up funds, then likely he would need to build that from his discretionary income, so maybe as a person is first getting used to investing into bitcoin, he ends up having to choose a lower level of aggressiveness while he is building up his backup funds, and once he is comfortable with his level of back up funds, then he is in a better place to increase his level of aggressiveness. Guys can have emergency funds and reserve funds... You are right that usually we would consider emergency funds as not being used for buying bitcoin., but that might also be a judgement call in terms of how the various kinds of back up funds are being categorized and used and if there is enough of them, but yeah, generally speaking buying bitcoin does not seem like an emergency, even if the price dips, but people have to figure out these matters, and if they end up prematurely draining their back up funds, they might find themselves in a bad position if they don't have any back up funds and then an emergency happens.. such as a drop in income and/or an increase in expenses, and they are left with no choice but to tap into their bitcoin investment at a time that was not completely of their own choosing, but they had put themselves in such position due to sloppy cashflow management practices.

If people have other obligations with their discretionary funds, then they might not be in a position to be more aggressive unless they cut their other obligations, which they may or may not be willing to do.

But I am still not clear on one thing that is, if someone wants to start investing using the DCA method for a period of 10 years from now,
So what is the minimum amount of dollars he needs to invest per month so that after 10 years he can make sustainable withdrawals and live comfortably?

Nobody can figure this out, because you do not know how much bitcoin price will be during those ten years of your bitcoin accumulation timeline. You should know that bitcoin is volatile in nature and since you will be using DCA to accumulate weekly, you cannot get the same quantity of bitcoin for $100 whenever you buy weekly. This is the reason why I feel no one can figure out how much that you can use to invest into bitcoin for ten years before withdrawal through sustainable income.

However, the amount of money that you will use to invest weekly depends on the amount of your discretionary income and nothing more. That's why when accumulating bitcoin, you don't use a timeline for your goal but rather, you need to have a bitcoin target which you plan to accumulate. So that, whatever timeline that you use to reach your bitcoin target wouldn't be important. Personally, I feel that ten years cannot be enough for a pleb that is investing $100 per week because in 10 years time he will be having invested $52,000 which is not up to 1btc.

For you to reach over accumulation so that you can start using a sustainable withdrawal to tap from your bitcoin, that person will need more than 1btc and it depends on the age of that person. Someone in his late 60s and early 70s will spend less funds compared to someone in his late 40s and early 50s because he might only carter for himself and his wife. But someone in his early 50s still have children to take care of.

I also agree that setting a BTC accumulation target is more realistic than hoping for a particular date. With Bitcoin’s volatility, long term plans are difficult, so sticking to a budget DCA to Bitcoin and DCA to other assets you may have and adjusting as life events unfold is a better approach.