Post
Topic
Board Speculation
Re: Buy the DIP, and HODL!
by
Theupdude
on 10/08/2025, 19:20:10 UTC
It's also very crucial to acknowledge the fact that the priorities and financial situations of every investor is capable of changing overtime, and in such a case, it's important for their back up strategy to also be flexible enough to also adapt to those changes accordingly. By regularly reviewing and adjusting (when necessary) their emergency funds and reserve funds allocation, it'll be easier for investors to adequately prepare themselves for unexpected events while also pursuing their long term financial goals.

Maybe initially when we first set up our emergency funds, it took us more than a year to build them up from $600 to $2,700 and our monthly expenses were right around $700 when we started, but after a year some expenses changed and they became $900), and then maybe after another couple of years our monthly expenses become $1,100, so then we start to consider that we need $3,300 in order to maintain our emergency fund at adequate levels.  We also might have learned some ways to fix some matters, and maybe even reduce some of our monthly expenses, so then after the next year we reduce our emergency fund back down to $2,700 based on changed conditions.

The growth of our bitcoin stash could also affect our ways of considering how we treat various forms of money that we keep on hand, and surely if our bitcoin amount might have had gotten to around 6 months of our expenses invested into bitcoin, yet at the same time, if the BTC price might have had doubled or tripled in price during that process, we might consider some of the matters differently, yet surely I will remain concerned if guys are making any changes based on their valuation of their bitcoin based on spot price versus valuating based on the 200-WMA.... even though surely if a guy is accumulating bitcoin for a whole cycle or more, it may be too early for him to make any changes to what he is doing, even though he may well create various spreadsheets to assess where he is at versus where he thought that he would be, and he might feel that he needs to make some adjustments to his buying practices and/or how much of his time, energies and/or value he is dedicating to his bitcoin investment.

None of us are likely able to answer these kinds of dedication matters (or level of aggressiveness matters) for someone else unless we know enough of their personal factors and/or their priorities.
I think that you are right and financial conditions and priorities may vary with the course of time, and the fact that the plan must be flexible is essential. The emergency funds must be amid real-time expenditures, not the one existing at the time of even its establishment. It is sound that they be reviewed frequently and make alterations in case costs increase or decrease. Our reserves can also be assisted by holding Bitcoin and we can even base our decisions on the changes in the short term prices but it can prove to be risky. After the long term planning and the personal circumstances, it is more important to attempt to respond to each and every market movement.