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.
Perhaps at some point where people reach in investment it usually seem like it’s enough if calculated from where they started based on the mere fact that it was a bit hard to make up the decision to invest in the first place hence once achieved a level of accumulation the tendency of wanting to start tempering with the investment grows, hence I agree what being able to shave of $10 while still being able to spend $100 or $1k thereafter would be more preferable if the accumulation ratio is increase based on what on can afford to do without for quite a long period of time.
The compounding power of $10 might be great in a long run and would be able to sustain one with some level of income after 4 years to 8 years or more depending on how much long one will be able to keep accumulating but at least 2 cycles consecutively yet $100 will be worth more compared with $10 after such a long period of investment, this is the absolute credibility of bitcoin not many are able to achieve.
For the guy who accumulated approximately 3 BTC he would be able to live of this accumulation in a long run but if he keeps accumulating since he is still able to work and foot his bills then the possibility of reach an absolute over accumulation stage is very much possible yet he might want to stop accumulating now and still do well if he decides to hold for 2 to 3 cycles more and 3 BTC will be worth some amount in fiat that might seem like a jackpot to those who do not see the possibilities and opportunities which bitcoin investment through any of the 3 popular methods DCA, Buying the Dips and Lump Sum which DCA is the most convenient for such goals.
Even though guys can do whatever they like, I frequently like to suggest that there could be something like a whole cycle between a guy might transition between buying bitcoin and selling bitcoin, so in my example, if I am suggesting that the guy believes that he might be able to reach his accumulation goal (by already having 3 BTC) by mid-2031, then he may well want to continue to accumulate bitcoin until mid-2027 (4 years before) or until mid-2028 (3 years before).
But, yeah, guys have to decide how much sense such logic makes to them, and sometimes if they are not confident in their calculations they might want to keep accumulating a bit more just to have a bit more cushion.
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.
Since the possibility of accumulating more even when one might want to stop and and hold for 4 years prior when he or she stop accumulating it’s very much likely that one with such a discipline of accumulating to such an extent would probably not stop accumulating even when they might have the feeling of reaching an overaccumulation stage hence it’s most likely to be seen in the actions of calibers in the WO from my observations however after 4 years of consistent accumulation will probably see myself in the WO being able to sustain the DCA over the years.
If you were to have 4 years of consistent accumulation, then the coins that you bought at the beginning of such accumulation would be reaching their 4 year minimum status, yet the coins that you bought in the last 1-2 years would still haver 2-3 years more that they needed to mature in order to have an age of at least 4 years of HODLing status.
I know many guys do not think about their later purchased coins causing them a need to HODL for at least 4 years, and they might be having difficulties getting out of a trading rather than an investing mentality... If any of us are considering ourselves as investors we need to have intentions to hold for 4 years for any coin that we buy.
Of course, some thing could come up that causes us to need to break our investment and to put it into a trade, meaning that we sell before 4 years, yet it seems to me that an investor is not coming to bitcoin with a HODL period of anything less than a 4 year intention, and more likely their intention would be to HODL 10 years or more, absent some age and/or health concerns that would contribute to their entertaining timeline ideas of less then 10 years but at least 4 years.
You are free to think about your bitcoin differently from me, yet I consider 4-10 years or longer to really be the way each new BTC purchase should be considered in order to maintain an investment perspective.
Of course if a person had already been in bitcoin for more than 2 cycles, he may well not be buying as much BTC as he had done historically, unless he had been in a position in which he could not buy bitcoin.. so yeah, there are possibilities that guys might invest in bitcoin for many years in relatively whimpy ways, and really ONLY be able to increase their level of aggressiveness at later points in their lives, which may well be the case for young people who might not have much of an income and who also might be ongoingly taking on expenses that relate to their training and/or their education while they are in their teens and/or 20s..