You can use discretionary income to accumulate Bitcoin and floating cash to invest during bearish periods. Although investment and accumulation are used in the same sense, there is a slight difference between them. In one sense, consistent accumulation comes from your consistent income but when you consider investment, it refers to a lump sum buy. Those who do not have the ability to buy Bitcoin at a time can continue Bitcoin through discretionary income. This is a simple strategy for them and is equally effective for the wealthy. This is why the DCA strategy for Bitcoin accumulation is very simple and effective for long term. The term accumulation refers to a small amount that gradually increases in size when we consider it as an investment and an investor with a small income can build a large investment stack of Bitcoin by accumulating a small amount of Bitcoin.
Are you talking about waiting for a bear market? Saving and investing in Bitcoin are the same thing. When you consider it from the perspective of Bitcoin, it is saving, because the number of Bitcoins will not increase. But when you consider it from the perspective of money, it is investing. Because your money has the potential to increase and decrease. Saving is that, the amount of which does not increase or decrease. Investment is that, where you have the potential to make a profit and lose.
Whether you buy in large quantities or small quantities, buy continuously or buy at once, you can call it investment or saving. Continuous (DCA) buying or one-time buying, both are investment strategies. Now you have to decide which strategy is better for you to invest in, from my point of view, investing in the DCA strategy may be the best plan. We should not wait at all to buy in the bear market, keep buying continuously and try to be aggressive in investing based on your ability. Be it a bear market or a bull market. There is nothing wrong with buying in a bear market, but waiting is wrong.