Quote from: Justbillywitt on Today at 06:20:56 AM

Quote from: Tamaperdana on September 09, 2025, 06:22:38 AM

Quote from: Justbillywitt on September 08, 2025, 02:23:05 PM

I don't know why the both of you are complicating things for yourselves. But let me try and explain this as simple as I can so you guys can get something right. When an investor get his salary and he removes all the money for family necessities, what he have left is called discretionary income. From that discretionary income he can remove a portion of it to build his emergency funds and his reserved funds. Then he can invest the rest in bitcoin. As times goes on, if the investor sees an opportunity in the market and his salary hasn't come and he doesn't want to miss such an opportunity, he can take money from his reserved funds account to invest in bitcoin and build it back gradually. So yes an investor can buy bitcoin with money from his reserved funds account.

However, I'm still not very confident about using reserve funds to invest in Bitcoin. While it's true that reserve funds are quite flexible and aren't used for emergencies, I personally feel more comfortable investing using only discretionary funds. Because discretionary funds are funds that will not be used for any other purpose.

It's not like am telling you to always turn on your reserved funds every time to buy bitcoin. If you go through my previous post you will understand the instances or circumstances which I said you can turn on your reserved funds to buy bitcoin. This should only happen on special cases where you see an opportunity in the market which you wouldn't want to miss and at that time, your discrictionary income has been exhausted on your previous purchases and you are waiting for your next salary which is not yet due to be paid. (Or your salary is being delayed) In situations like this you can use part of your reserved funds to buy bitcoin. If you didn't know this before, perhaps you just learnt a new thing.

I think you have explained this very well and this is a crucial point that most of the beginner investors fail to understand. The difference between discretionary income and reserved funds is important. Safe money that you can invest without it impacting on your daily living is discretionary income and a reserve is basically a buffer that provides optional flexibility but that it is not free money. Reserved funds should only be applied in investing in exceptional circumstances whereby there is an evident prospect and that you have allocated your discretionary funds elsewhere.

The simplest method of achieving this would be considering your set aside funds as a bridge. To use an example, should Bitcoin crash suddenly before your next paycheck and you have used all your discretionary funds in DCA, it would be logical to use a modest fraction of the reserve to capture the drop. The bottom line is that you need to have an idea on how to refill up on that reserve and that way you do not run out and even lose that safety net.

Another point of view is psychological: the fact that your emergency money has not been used so that you can invest confidently and not panic sell. This will alleviate the stress and you will be able to adhere to the long term strategies rather than acting on impulse. This has been the case in my practise, and it is clear that investors who distinctively isolate discretionary and reserve funds are more regular and less likely to make errors when market optimism and pessimism are at their highest point.

Quote from: POPOLUV on Today at 09:20:56 AM

Quote from: Alonso_ on September 09, 2025, 08:41:19 AM

Quote from: Gost ms on September 09, 2025, 03:09:29 AM

Quote from: IceLincoln on September 08, 2025, 01:17:48 PM

The Journey of bitcoin investment is not a one way ticket, it involves a continuous process and this involves STUDYING to know more about bitcoin and it’s technicalities, LEARNING new ways of investing (improving on the initial knowledge you started on), You PRACTICE (that’s investing) what you’ve learnt, practice is the only way you know for sure if you have the right knowledge and strategies or not, You PLAN your Finances and make out enough discretionary for your investment purposes (creation of emergency and reserve funds, percentage of discretionary money that goes into bitcoin), from time to time you check out how well you’ve accumulated and what you can improve about your strategy you RE-STRATEGISE if need be and that’s how you grow in this space, and at the end you must have known by experience what works best for you. As you increase and grow in your accumulation, you adapt new strategies, how a newbie is investing isn’t same as an oldie who’s almost close to his over accumulation.
I hope this is more clearer to your understanding.

Your comment will confuse and scare a new person. You don't need much to invest. All you need is basic knowledge about Bitcoin and a source of discretionary income. The way you say it, it seems like investing in Bitcoin is very difficult and you have to know a lot of things to learn. Investing is not really that difficult. You don't need all these things to invest. Make investing easy and it will be very good for a new person. As you said, a person will be scared to invest and will not want to invest.

Sometimes people gets to misunderstand the actual sense of situation when learning how to invest in bitcoin, you don’t necessarily have to acquire all the details to start investing into bitcoin but rather acquiring the little details of how to go about and buy bitcoin into my Bitcoin portfolio and how to maintain the little details of buying and accumulating for a very long term plans that we have in mind, this could actually be a very interesting way of getting started with investing in bitcoin if we have a discretionary, centralized my decision to get started immediately instead of having doubts on learning everything we can start investing and be learning along the way, because we can’t learn everything all at once. And investing in bitcoin aren’t difficult because it’s simple as having a discretionary income to buy bitcoin on a regular basis and to hodl.

You very correct when it comes to Bitcoin investments that you don't you really need to acquire of all the knowledge before you could forward to invest in Bitcoin, because when i came across this particular discussion it reminded me when i was a newbie and then i have gotten the all the full knowledge that i needed but i was opportune to have a discretionary income which help me to start early as i can invest with and it is on this particular thread as i do perus on people posts that i was gathering many ideas on how to go with my Bitcoin investments using DCA strategy because at my beginning i didn't no that DCA strategy all investors in buying Bitcoin small small aggressively without being afraid of losing all you have invested, so i believe once you have a little knowledge on how to go about his Bitcoin portfolio, he should wait till he knows everything before investing in Bitcoin.

Things do not have to be difficult when investing in Bitcoin. You really do not have to know everything to get started. Each little knowledge, a share of disposable income you can afford to invest safely is what counts. The strategy of DCA will help you to start with a small purchase initially and learn progressively as you go. You just get to know with time what will work suit your purposes and then just need to change your strategy. I believe the main trick is to get going, experience and refine your plans over time rather than wait to know everything before you qualify to make your first investment.

Quote from: Shadiq on Today at 05:42:58 PM

Quote from: HausaBitCkk on Today at 03:22:04 PM

It is very important to have a long-term perspective to invest in Bitcoin, but there are many obstacles that you have to overcome in the long run. I agree with you. If you invest directly without saving for your essential expenses such as food, medical expenses, etc., you may encounter a different reality. Because when you try to avoid these, you may be forced to sell your long-term Bitcoins if you do not have the money when you need it the most. Not only will you be financially damaged, but you may also lose the ability to invest again in the future.

Food is a daily need, for which you do not need to save money, but invest the remaining money after meeting your daily needs and keep it for necessary expenses. Rely on discretionary money for investment, savings or building any fund. If you invest more than your discretionary money or try to save in any fund, you may face big losses.

You need to learn to separate discretionary money, discretionary money is that which is left over after meeting your daily needs and which is unnecessary for you or you will not need it for a long time. Investing with this money will artificially reduce the possibility of financial crisis and will help you to be stable even during market volatility. This stability can be further enhanced when you invest according to your means using the DCA strategy. In addition to investments, keep backup funds ready for emergencies so that you can afford to lose your job or during a major accident or medical expenses and keep the investment fund intact.

It is important to have a long term viewpoint, which must be accompanied by appropriate financial planning. Investing with discretionary money is the safest method of not panicking on a downward spiral of the market or an emergency. Lots of newcomers commit the error of investing that which they require to spend on their daily lives into Bitcoin and that generally goes wrong.

I think this strategy is very practical, when combined with a DCA one. It enables you to invest gradual and without attempting to time the market without touching your emergency and backup funds. Long-term, this will create a financial stability and a strong portfolio of Bitcoin. The moral of the storey is that it is not only the case that you invest wisely by choosing the correct asset but you also spend your money in a manner that ensures that you are not caught in a fix regardless of the market movement.