You seem to not understand that when you get to overaccumulation stage you have enough or more than enough.
Sure you can change your goals, but you don't need to, since you should be able to live off of your bitcoin at that level.
I am not sure if more examples can be helpful, but surely if a guy had been accumulating bitcoin modestly for 10 years, he may well would have already gotten to a place of having enough bitcoin or more than enough bitcoin for his income level and maybe even beyond his income level.
This is true and it explains why challenge of getting richer is more easily for the rich than the poor.
The rich are people who are already rich and they even don't need more money to use so with already existing comfortable well-being, they have many options to choose for investment and they have no pressure of mandatory bills to spend with new income, getting richer and so on. They only need to choose a good investment asset while in reality the rich would often prefer to diversify their investments into different assets. This approach of investment diversification also helps them to have less stress on one investment asset and its price volatility.
It is same with Bitcoin investors who can start as the rich, the poor but over time their Bitcoin portfolio will become bigger in both bitcoins and value so that they will gradually reach to enough or abundant accumulation. There will be time they have to think of withdrawal gradually and we know in investment, there is necessary risk management and gradual withdrawal profit in order to retrieve your initial investment capital is a wise and safe risk management.
Of course a person with more income has more advantages, especially if he figures out to have a lot of discretionary income.
Being rich does not guarantee good cashflow management and/or investing skills and/or good investment choices.
Sometimes rich folks will take for granted and fail/refuse to invest properly and/or to manage their cashflows well, but sure they can be sloppy and still do better than a poor person, yet it is not guaranteed that rich folks will do better than poor people, especially if a poor person is organized, motivated and ready, willing and able to learn.
Poor people do tend to need more organizational skills and even more needs to learn how to improve themselves and their situation by being frugal and conscious of how they might be able to increase their discretionary income by increasing their income and/or cutting their expenses.
Of course, a poor person might not get ahead of a rich person who is motivated and who is similarly disciplined, but he will get ahead of rich people who are not.. .and sometimes rich people overly take their situations for granted so they do not end up doing the right things because they are not motivated.. and they might even think that their privileged situation will last forever.
I am not against rich people, but sometimes they don't know how to be frugal with their money and or to make wise investment decisions.
I know that it can be quite sad for poor people to be stuck with a lot of inferior wages and inferior work situations, yet in some cases there may be ways to work yourself into better paying positions so that you can work less and get paid more... but yeah, I am not proclaiming that there is not a lot of work involved and sometimes a bit of luck to be able to work your way into higher paying kinds of work, and each person who is in a bad position has to figure out if their might be some ways (besides just bitcoin) to work themselves into better circumstances, and surely bitcoin can be part of the circumstances, but also it can really help to either have skills that are marketable or to build skills that are marketable so that you are able to increase your discretionary income so that you are able to invest into bitcoin so that bitcoin would end up being part of your solution, even though it is not the only part.
We know that many guys get caught up on profits, and they screw up their whole bitcoin investment because they are overly focused upon locking in profits, and many times they might have been able to compound their profits but instead they end up taking mediocre profits..
Think about the guys taking profits in 2016 and early 2017 between $500 and $1,500
or think about the guys taking profits between $2k and $3,500 in mid 2017.
or think about the guys taking profits between $9k and $17k in late 2020.
or think about the guys taking profits between $25k and $35k in mid-to-late 2023.
or think about the guys taking profits between $55k and $65k in September/October 2024
And likely you will also be thinking about the guys taking profits between $90k and $110k in late 2024 and even at various points in 2025.
Of course, we don't know the results of this last piece yet.. but some of those guys are likely already regretting their having had taken profits between $90k and $110k... but we don't know yet.. since it is still possible that BTC prices dip back down into the $90ks.. yet newer guys in their first cycle or two of BTC accumulation should probably be focusing on accumulating bitcoin through persistent and ongoing buying rather than fucking around trying to figure out if there might be a dip or not.
Also, when stating some thing people need to be specific, it's not like taking profits is very bad but the time at which it's done really matters, you don't just take profits cause you've made little gains or maybe you started investing at a point close to a massive bull run like during the halving season and made lots of profits whereas you've not even invested for long period, it would always come with regret as you said Jay and people should note that the time at which profit is taken really matter and the amount we pull out of our portfolio matters too, investors should know when to pull out and right portions too and if an investor is still early in their journey then nothing concerns the person with taking profits regardless of whether they've made gain or so.
I am not proclaiming that there would have had been a better time to take profits, but instead all of those guys would have had been better off to keep holding and/or accumulating and sure at some point they could make it to over accumulation status so that they can transition into withdrawing from their bitcoin on a regular basis, whether price based withdrawals and/or time based withdrawals, and the calculation will be how much bitcoin that they have and how much income that they need rather than considering the extent to which they are in profits or not. If a guy has a cycle or two under his belt then he is likely in a better position to transition out of the profit thinking that was interfering with his ability to keep accumulating bitcoin until he has enough and even better until he has more than enough.
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If our investment doubles before our time limit ends, we can withdraw some money from our investment and enjoy it. But even if our time limit ends, selling our entire holdings would not be the right decision. Because I think the price of Bitcoin is still in its infancy. The price of Bitcoin can increase a lot in the future. So if you sell your entire holdings because your time limit has expired, you may regret it later. So it would be best to withdraw the amount you need and keep the rest of the holdings.
You need a bit of a better formula than that.
What is your time limit, personally? What are you aiming for ? 10 years? or some other number?
Or are you aiming for both a time and an amount, yet maybe one of them is more important than the other, but what are you going to do?
When you start to withdraw, then how are you going to do it?
if you are still accumulating, then you have to focus on accumulating first, and sure maybe you will have some ideas about how you will withdraw, but how are you framing your target? Sure it might have a time, but it also might have some ideas of an amount too, no?