My joy is that I'm doing the right thing now, investing mainly in Bitcoin and holding with no intention of selling even in this market cycle and the next. I have not reach my accumulation goal so I'm still aggressively investing my discretionary income until I meet the target I set for myself in terms of Bitcoin quantity.
Although, if you let me give you some advice. - Be careful about "targets". Don't make them the actual goal, but use them as a sort of guide because you may want to add more Bitcoin that's more than your original "target".
For sure, if we start out and we consider that it could take us 5 years to 30 years to reach our target depending on how things go, and so we might keep working towards the target, which might be just ongoing accumulation of BTC and otherwise having other balances in our lives.
Then as we consider that we are making progress towards the goal, every year or two or maybe even more frequently, we reassess where we are and our progress. Some periods of reassessment will be deep and other areas of reassessment will be more superficial since we might see that we are still on target.
If we have been working towards our goal and 5 years pass, we might reassess and say that we could have anywhere between 5 to 20 more years to reach our goals, and if we might consider that we are making progress faster than we thought, we might recalculate based on that.
I think that in my earlier years of creating and building financial goals, it frequently seemed to me that I was not making progress quickly, yet I always could see the progress in the numbers, year after year after year, and surely after many years, the compounding of the value seems to start to add up.. and for me it was much greater in bitcoin than it had been in my traditional investments, even though even in bitcoin sometimes I have thought that the progress was slow and sometimes seeming to be stagnant.
The longer we are assessing and reassessing our progress, the more likely we will figure out some more specific ways of measuring whether we have enough and/or more than enough and also to figure out how much of a financial and/or psychological cushion that we might need in order to feel comfortable where we are at or where we are getting close to reaching.
Plus there are people who, after reassessment, they would probably still refuse to reset and go for another target. My suggestion for them would be to forget their original wallet and set up another one using another strategy.
If they bought the DIPs during the previous bear market, then set another wallet with a new goal and a new accumulation strategy - DCA. If they reached their goal through DCA, they probably should start saving their extra income and buy the DIPs during the next bear cycle.
There's no right or wrong answer in the "how", but simply it's always right to accumulate more Bitcoin.