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Yes, I think i share in your sentiment and I don’t see the dip reserved money as being idle because it’s already there for a purpose and just like a time bomb waiting for its moment to explode. I think it’s even better for an investor to be fully prepared to accumulate as much during the dip, preparation in the sense that you already have saved enough money for that moment where you wish to accumulate aggressively during the dip because it will save or prevent you from using the money meant for other financial obligations just so that you can accumulate more during dips. Because the reason why I’m saying this is because I’ve seen some investors who have been consistently accumulating bitcoin with their discretionary income using the DCA method to accumulate weekly or monthly depending on how the income flows, they have been following this strategy for a long time consistently, and suddenly there came a significant drop in price of bitcoin, and at that moment the investor feels this is an opportunity to stack more heavily due to the price drop and this investor in order to achieve this went and use money he was supposed to use for his other financial obligations just so he can seize the opportunity of stacking enough bitcoin during that period of price drop, and within a short period of time he started facing the repercussions of using money meant for other financial obligations to accumulate more bitcoin, he got into a financial crisis and was forced to sell off his holdings unexpectedly.
Now tell me, had it been that the investor have already been preparing by keeping or saving up this money he used for accumulating during such dip, will he have went ahead to using the money meant for his other financial obligations?, I don’t think so. So I think that it’s better to get prepared for it. But not to say that you should wait until its dip before you accumulate, you can be accumulating bitcoin little by little and also preparing yourself for the dip before you rush into it, if not then just continue accumulating with your discretionary income as you have always been doing so you don’t end up jeopardizing with your investment.
I think that guys who are accumulating BTC regularly, such as weekly should not feel that they are missing out merely because BTC prices are in a dip and they don't have any extra money, since if they are still buying weekly, then they would still be able to buy during the dip... but yeah, there are faulty ways of thinking about bitcoin in terms of the dollar value in the short term, which it should not matter very much, even though guys will go through such a process of feeling that they are missing out on the dip and perhaps concerns that they bought too high.. yet these are also likely short-term thinking kinds of ideas that should not matter so much if guys have an investment mindset of 4-10 years or more into the future rather than being concerned about whether their BTC were profitable at that particular moment. Sure, maybe their bitcoin holdings went into the negative during the dip, but if we are already realizing that the BTC price can go up or down and that we may well be in the negative, especially during our first 4 years, then we should be able to mentally prepare ourselves for those kinds of circumstances... and just keep buying on a weekly basis.
We are not even guaranteed to be in profits 4 years down the road, but surely it seems that if we keep investing that we are likely going to put ourselves in a good place, and surely there might be some guys that feel better to hold back 10% to 20% or some other reasonable amount in order to attempt to prepare for dips that may or may not end up happening... and so in that sense, guys might have to figure out their own psychological balance, which surely is going to vary with guys depending on their financial and/or psychological circumstances.
It's such a shame that some investors who stick to a regular DCA and are stacking up sats on a regular basis, sometimes feel as though they're missing out whenever they notice a DIP in the market and they don't have extra cash to take advantage of it. The honest truth is that, someone who is consistently buying every week is already catching the DIP automatically. With your fixed amount, you're buying more when the market is down and lesser when the market is up, so technically, you're benefiting from the market volatility without going through the stress of timing it.
The major problem with most investors is the fact that they always look at Bitcoin only in dollar terms. Whenever the price drops, your Bitcoin holdings might go into the red and then they start feeling like they bought too high and this is nothing but a short term thinking. An investor with a long term horizon wouldn't really mind whether their stacks are temporarily negative. DIPs are very normal and they're often the best time to quietly build position strength and not necessarily compulsory to buy an unusual amount sats.
Some investors might choose to set aside a small percentage of their budget so that they can always have something that'll be readily available should incase the DIP hits the market. This can actually turn out to be helpful psychologically, but the truth is that it's really not essentially necessary, because you'll still have to limit yourself to waiting for the perfect time (which may either not come or keep going lower than expected) to use the funds you're keeping aside. The best strategy remains to stay consistent with your primary DCA strategy because that's where the real edge is.
Let's look at an example of an individual who accumulated $50 worth of BTC every week from early 2018 till the end of 2020, there was absolutely no need for him to time the $3k bottom or even the $10k consolidations, because by sticking to a consistent DCA purchase, he was automatically purchasing cheap sats during the bear market and before the time that the bull run took off in 2021, he had already accumulation quite a sizable amount of Bitcoin and the ones who actually missed out were this waiting for the next dip.
No one is missing out on DIPs just because they can't buy extra, the key remains regular and consistent accumulation, that's what everyone needs to reach an overaccumulation status.