For peace of mind buy and hodl for a long term atleast for two bull circles you will be sure that whatever price will be then you will be in profit. DCA method is recommendable for income earners, buy with a percentage of your income and hold for the long term.
It is true that hodling Bitcoin for long is more profitable but it is easier said than done because of the numerous challenges we have in the country, I mean financial burden. More so, to hodl for two circles of halving means 4 years x 2 and that is 8 years. It is a long time that I don't know how many Nigerians would be able to turn their eyes away after first 4 years of hodling. Usually, I would advise 1 circle which is four years because by that time bitcoin will get to a new peak like we saw this circle before price begin to return south. It is psychological to feel bad seeing your profit thaw in your eyes and I believe those who were still hodling and expecting the price to continue rising while it is now dropping, will feel bad.
So it is better to cash out at every 1 circle and either wait for the next circle by then you would have used your profit to buy land or kept in Usdt and buy from dip again next circle.