Quote from: Churchillvv on August 16, 2025, 11:14:43 PM

Quote from: JayJuanGee on August 16, 2025, 09:20:39 PM

We agree that being persistent and continuing to invest is likely a better decision, yet guys will sometimes not realize the impact of what they are doing, and so they might not even really feel any large difference for 4-6 years later, and then by the time that they realize that they had taken a less preferred (less profitable) path, it will be way too late to go back and do the situation over, so sometimes even a $10 to $50 per week contribution over 4-6 years might end up paying off, even if previously the guy had been able to invest $100 per week, and so sometimes even small amounts compound upon themselves.

Perhaps compounding powers are always undermined by many, it always remind of the quote that says “little drop of water makes a might ocean” DCA at this is some form of tool that can easily get one few steps ahead of others who will probably wait for the best time, in waiting comes disappointment and that leads some who rush in to the bitcoin markets to grab quick profit which bitcoin is never a get rich quick scheme to spread misinformation about bitcoin, however if one risk or figures out how to spend at least $10 dollars off their expenses to invest in bitcoin in 2 cycles of bitcoin it would not longer seem like a merely $10 investment hence it’s more encouraging to risk or take a step in investing through DCA the little you can afford to do without in a long term.

There may be some folks who shave off $10 here and there and they spend another $100 or $1k, and they consider it to be such a convenience, yet they are either still in their accumulation phase and/or they have not yet reached overaccumulation status, so they should be spending and replacing if they come across circumstances in which they end up spending their bitcoin prior to reaching overaccumulation status.

Surely people can do what they like.. and even imagine a guy who earns $50k per year, and he had been investing into bitcoin at $200 per week for 6 years, so he invested around $62k, and he accumulated 3 BTC, and so he is really feeling good about his whole situation. He is still quite a bit short of reaching overaccumulation status since he would like to be able to draw an $80k per year bitcoin income, yet at the same time, he is wanting to discontinue accumulating bitcoin and he is wanting to spend some bitcoin from time to time since he does not have any other investments. This guy might be o.k. to stop investing into bitcoin and to invest into other things, but if he starts to spend from his bitcoin too early then it might take him a bit of time to reach his own overaccumulation status., and currently it is likely that by mid-2031 around 6 years from now, even if he does not accumulate any more bitcoin, 3 BTC might be enough to be able to perpetually sustain an $80k per year income off of it.

My tentative recommendation would be to keep accumulating bitcoin until maybe the timeline for starting to withdraw from your bitcoin stash is less than 4 years from that time that you stop accumulating, which largely means no bitcoin sales (except spend and replace) until reaching overaccumulation status and if you feel like not continuing to accumulate then you could stop up to 4 years prior to your starting to withdraw, even though you could still be advantaged by continuing to accumulate.

Quote from: ejikeme24 on August 16, 2025, 11:33:08 PM

Quote from: Joeboy on August 16, 2025, 08:10:27 PM

Quote from: JayJuanGee on August 16, 2025, 06:46:59 PM

[Edited Out]
Each of us has to judge our bitcoin buying/accumulating approach and if we think that modifying our approach might be helpful from time to time,

Of course sir Jay, we have the right to judge and modify our Bitcoin accumulation approach. Let me back this up with an example

For instance, Mr. A has been acumulating Bitcoin by investing a fixed amount of money every month. Things were going very smooth until he got demoted at work, and this demotion reduced his income. After this incident, he had two choices- either pause his acumulation completely, or adjust the amount he was investing. Mr A choose the smarter approach by reducing the amount instead of stopping his investment entirely. Even though it wasn’t as much as before, he kept on building consistently

Yeah, instead of pausing the accumulation journey entirely when you have not build a large bitcoin portfolio or getting to the stage of overaccumulation is better you make some adjustment let's say if your weekly or monthly purchase is $500 Maybe due to circumstances you can choose to reduce it to $300 to enable you take care of other expenses and also build your emergency fund and still have some reserve funds, the most important thing is you're maintaining the ongoing buying of bitcoin. Maybe with time you will find another job and start going with your fixed amount, in some cases a Guy can even decide to be more aggressive after he must have get a more decent job, to enable him achieve that same value Which he intend to get before the incident.

It can be assumed that from time to time guys might get promotions and/or considerable increases in his take home pay, which could incentivize him to continue to invest in bitcoin and/or to invest into bitcoin at a higher level.

At the same time, you are correct that there can be times when a guy starts getting close to reaching overaccumullation status that he becomes less inclined to continue to contribute into his bitcoin funds.