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Since you said that you don't have the large discretionary income to front load your bitcoin investment, and want to buy little by little with your discretionary income. Don't you think that once circel is too short for a new investor to accumulate bitcoin and at the same time set up your emergency funds and reserve funds as someone who just started his bitcoin investment.
It's better that we don't use timeline as the main focus on our bitcoin accumulation journey because it will depreive us from accumulating as many bitcoin as possible overtime. Instead, you should have a bitcoin target which you will plan to accumulate so that you can focus on that quantity till you achieve it irrespective of the time duration that you will use to accumulate it. S that, you can know when you are entering an over accumulation phase.
Profits shouldn't be the main thinking when accumulating but reaching your bitcoin target should be your priority.
We cannot really know when we are going to reach our overaccumualtion status, especially if we are measuring in both bitcoin and dollars (fiat),so we likely will have some targets in regards to how much value we expect to put into bitcoin in the next year, next 3 years, next 5 years, next 8 years, next 12 years etc.
The further out we go, the harder it is to be very specific in regards to where we might want to go, so we can mostly just be general and perhaps have some ideas that we are touching on our short-term goals, so we likely can reassess from time to time if our long term goals still make sense or whether we might need to tweak them based on where we are at during various points along the way.
It is a fact that we have to be very simple when we are going through a long term cycle. Exaggerated attitude can have a negative impact on our Bitcoin accumulation and the cycles are too long for us. You should understand that you have a discretionary fund flow and it will continue to be affected in a certain way then it should not be a problem for you. From this, your short term goals will make you wiser and more experienced in analyzing the market. It is more important to have a long term goal by giving importance to accumulation Bitcoin with confidence. In the meantime it may be good to separate short term funds to increase our focus on investing in the hope of cash gains but its amount should be kept very limited such as 10%-20% of the main long-term investment but it should not go beyond this because short-term greed constantly creates risks for us. This method may motivate us to save Bitcoin in the long term while getting short term profits.