You need to get rid of the idea that you can get rich quickly by investing in Bitcoin. This is not a quick scheme for earning money. Investing in Bitcoin cannot guarantee you profit, but if you invest patiently, there is a great possibility of getting good returns. Bitcoin is the most volatile currency, and it is very natural for there to be a price correction at any time. If the price is slightly down at any time, do not panic, but if you can hold Bitcoin regularly, then it is definitely possible to get good returns. Moreover, it is more convenient for those who do DCA when it is down. In terms of investment, if you keep accumulating a part of your discretionary income in Bitcoin regularly, it will help you risk-free and stress-free investment and you will be able to keep a large part of Bitcoin in your possession in the long term.

You were right when you tried to analyse the emotional requirements and involvement in long-term holding of your acquired bitcoin.  Every successful bitcoin journey has survived a whole lot of emotional bankruptcy and resilience and that's human. What matters is in being absolute about not selling off no matter the market trend. This is where investing with discretionary income comes in and that's the surest way of managing your emotional health.

However I disagree with you, even though conditionally when you talk about investing what you can afford to loose. This notion contradicts your initial belief in cultivating an emotional strength to hold your bitcoin for long. It however tends to tilt in line with the Bitcoin Traders anthem, which is investing only what you can afford to loose. If the goal is a long term holding, then to a large extent, even though it's not absolute, in an ideal bitcoin certain, then such belief is not valuable among the bitcoin investors.

Every bitcoin panic sales comes from the mind. So if someone is able to control his mind and learn to forget his bitcoin stash, so long as he maintains his emergency funds tightly, then every possible bitcoin has a larger potential to give a good reward afterwards.

JJG Sir, I think those who want to invest with 100% success in investment have never actually been investors.
My advice for those who want to invest in Bitcoin is this.

If a person thinks too much about profit and loss and other things before investing in Bitcoin, I don't think he will be able to invest in Bitcoin very easily.
Starting every thing is the most difficult. For example, if you want to move a fixed thing, you have to apply more force first, later you can change the place of the thing with less force.
The same thing is true in investing in Bitcoin, if you only have an idea of how Bitcoin works, then you can start investing in Bitcoin. You don't need to think about how many years to start and what the price will be when you sell it.
Along with investing in Bitcoin, you will get the opportunity to think about your Bitcoin.

If you are a good investor, then after a few days of investment, you will definitely understand how long you should actually save it.

Many people say that if the price of Bitcoin is x, they will sell it, if the investment year is y, they will sell it.
My question to them is why should you sell one if you don't need the money at that time.
Can you find a better investment than Bitcoin?
Who will give your money more security than Bitcoin?
Is there anything better than Bitcoin that will protect your money from inflation.

So why do you want to lose your Bitcoins at your unnecessary moment?

In terms of investment, you just prepare yourself firmly in this way that I will try to protect my Bitcoin collection with the maximum.
No need to think so much about when to sell and at what price to sell.

In terms of Bitcoin investment, you are an ant, and keep saving like an ant. "Success is yours"

You are actually right here no doubt, because one major problem most Bitcoin investors have is too much expectation, and it's sad to say this that if things doesn't goes as planned, they will feel really bad for themselves, that's why I believe that in as much as we are accumulating Bitcoin and trying to accumulate a very huge stash of it, we should have it at the back of our minds that nothing is promised in this life, anything can happen in the future that may warrant our Bitcoin investment not to go as planned, so going all in is dangerous, not just the financial aspect, but also the expectations and emotional aspect is very bad and dangerous to our well being.
So invest what you can afford to lose, either financially or emotionally.

Investors never panic even if the market falls, but there are some new investors who are not very patient, and they feel a lot of volatility. Yes, Bitcoin is always a long-term holding currency from which people can achieve their huge financial success, so it is not an investment for a short time. If you invest in Bitcoin according to a percentage of your fund, and it is done according to the DCA method, then you will not have to face much loss if the market falls. Investing through the DCA method has low risk and high chances of success, that is why it is always best to hold Bitcoin with a long-term plan and patience in Bitcoin.

Having 43 billion dollars worth of bitcoin is insane. Microstrategy is doing DCA in an epic amount, and they are not even looking at the price neither, they are not buying when it's down, they bought as low as under 20k, they bought at near 120k, they are buying at whatever price, and keep holding it. The entire company worth increases thanks to their incredible cash holdings.

I mean not technically cash, but they have 43 billion dollars in the vault, that's how the investors are seeing it. Blackrock and many other ETF's started last year, and even some of them do not have that with all those investors, so microstrategy uses to their advantage how early they started doing all of this and they kept it going without a hiccup.

Yeah, it can indeed be very overwhelming for folks to aim for perfection in both their Bitcoin accumulation process and their cashflow management practices, plus it might not always be realistic, and I'm not suggesting that they need to target perfection, whenever I say "suits/aligns perfectly well with their..." I am simply suggesting that every individual should choose a plan that aligns with their unique situation and their approach should be unique rather than attempting to copy that of others.
There's always need for folks to be flexible and for personalisation, and also very okay to adapt to changing circumstances. Rather than attempting to be perfect in one's approach, it'll be progressive and beneficial to get directionally right and also maintain a consistent approach in their well tailored approach.

I admire how you considered it to be having "measured, meaningful and ongoing actions" that helps folks attain a persistent Bitcoin accumulation. That's in fact a very unique and effective way to approach it, especially when folks have to deal with a market as volatile as the Bitcoin market and also an irregular cashflow. It's always about finding a balance or a rhythm that aligns with your unique financial situation and actually works for you and then sticking by it, and it doesn't have to be perfect. The best part of it is that, even if you think it's not good enough, as long as it works for you, you'll always have the chance to tailor it more as you proceed and make it as effective as you want it to be through acquired experience and confidence.

Front loading investments might not really be feasible for everybody, but what could be seen as a more solid and viable option is aggressively stacking up some sats over a couple of cycles. Investors' goals and financial situations can evolve with the passage of time and it's only natural for investors to also be flexible with their approach, being able to regularly evaluate and adjust their approach overtime  whenever they notice a change in their goals and financial situations. Folks should try as much as possible to keep moving forward and making visible progress, rather than allowing themselves to be bogged down in trying to optimize every single details and steps.

I don't know if that's a wise choice, but I know there's a whale that's still doing it no matter how high bitcoin goes, and I don't think people who pour billions of dollars into BItcoin are stupid.

Strategy recently purchased 6,2k BTC worth about $739.8 million at $118,000 per bitcoin, bringing its total bitcoin holdings to 607,770 bitcoins, worth about $73 billion.

According to statistics, in 2025 alone, Strategy has DCA at least 13 times at many different prices. It can be seen that whales are still accumulating bitcoin regardless of the price, why are small investors like us skeptical or afraid?

If we plan to hold for the long term and only sell when we reach our target, DCA will always be correct in every market.
https://www.talkimg.com/images/2025/07/23/UABDxo.png
https://x.com/saylor/status/1947266086627360854

DCA is a powerful disciplined investment strategy and it makes sense to do it when the market is low for bitcoin. You can buy more at lower prices at regular intervals which reduces your average purchase price over the long term. It is also almost impossible to accurately predict when the market will peak DCA takes the pressure off you keep investing whether the market is up or down.

I am and that's the good thing about it. You have no limits, how low or high you are going to buy. No one gives you an amount on how much you should buy because we're doing it out of our free will and availability of our pockets. If we can buy at the dip, it's also a good one but being consistent in DCA, it will take you to the mountains and you'd see how effective it is when you're about to sell at the right time. But, are you going to sell when that comes? maybe half yes and no.

‎ I really appreciate how the thread unfolded, especially around the idea of commitment vs. dollar amount.
‎The $100k benchmark is more symbolic than practical for many, especially those in developing economies or just starting their journey. It represents conviction and long-term thinking, not a mandatory entry fee. The danger is that when we anchor the idea of “seriousness” to a large number, we risk alienating the exact people we hope to encourage.
‎What really matters is the mindset. A person stacking $30 or $40 a week with consistency, over years, is often more aligned with Bitcoin’s core principles discipline, patience, and long-term vision than someone who throws in six figures overnight and vanishes.
‎Everyone starts somewhere. Some of us began with pocket change and a ton of doubt. But with each weekly buy, that doubt turns into knowledge, and the small stack starts to look a lot more powerful when viewed through the lens of time and conviction.
‎Also, completely agree with the idea that if people are going to explore stictions or trading, it’s better they do so with firm boundaries after they’ve secured a solid Bitcoin foundation. Even a 5–10% “fun allocation” is only manageable when the core is strong and untouchable.
‎At the end of the day, Bitcoin is not just about number sit's about resilience. Whether you're stacking sats from side hustles or reallocating legacy investments, the key is to keep showing up.
‎As they say: "It’s not about timing the market, it’s about time in the market."
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‎The $100k benchmark is more symbolic than practical for many, especially those in developing economies or just starting their journey. It represents conviction and long-term thinking, The danger is that when we anchor the idea of “seriousness” to a large number, we risk alienating the exact people we hope to encourage.
‎What really matters is the mindset some people stacking $20 or $30 a week with consistency, over years, is often more aligned with Bitcoin’s core principles discipline, patience, and long-term vision than someone who throws in six figures overnight and vanishes.
‎Everyone starts somewhere. Some of us began with pocket change and a ton of doubt. But with each weekly buy, that doubt turns into knowledge, and the small stack starts to look a lot more powerful when viewed through the lens of time and conviction.
‎Also i,  completely agree with the idea that if people are going to explore shitcoins or trading, it’s better they do so with firm boundaries—after they’ve secured a solid Bitcoin foundation. Even a 6–10% “fun allocation” is only manageable when the core is strong and untouchable.
‎At the end of the day, Bitcoin is not just about numbers—it's about resilience. Whether you're stacking sats from side hustles or reallocating legacy investments, the key is to keep showing up.
‎As they say: "It’s not about timing the market, it’s about time in the market."
‎

Thanks for you kind words, however I will add that if you're determined to have a thing, you device means of achieving such goal regardless of your paycheck, some people do not realise how small drops could form a might ocean hence the idea of buying consistently is only left for those who are 9-5 works as salaries are expected monthly. While in real sense whenever you get paid that's when you got to buy, it doesn't matter how the pay varies all you need is to stay in your course.

I would say, right in this market, buying the dip would be better than DCA. Plus, DCA isn't exactly "buy whenever" thing, it's "dollar cost averaging" meaning if you bought high, you buy lower to average it down. So if you bought at 20, then you buy at 10, that way, you need just 50% increase to break even, and not a 100% one, that is how you move.

Right now the market is super high, and while I do agree that it will go up more, buying the dip is a better strategy for someone who can wait. Wait one more year, just save as much money as you humanly can, literally meaning like eat ramens and potatoes for a year level of misery for a whole year, and if you can do that, then next year, I guarantee you, the price will be MUCH lower, around the same time (2026 summer) and if you buy then, and wait for 2 years (2028 summer) you will have more money than you have ever seen.

Why always assume the worst and lose gains because of it. You are saying two negative things needs to happen all at the same time.

First, the price of everything should fall, so we are in a bear market, AND then we are going to lose our job at the same time. Isn't that really weird that you want to lose possible gains for a back to back possible bad things?

I do not agree that it's being "prepared", it is being paranoid after a point. If you really want to, 10% of your portfolio could be USDT, and that way you could have some emergency fund.

But, I believe AT LEAST 10x of your emergency fund should be in BTCitcoin.

I am not saying go buy some shitcoin or memecoin, I am saying bitcoin itself, the big coin, the top dog, it is not going to crash and then you lose your job, that is way too low chance.

One thing is getting started and moving up in the size of the bitcoin holdings, and another thing is having had invested in other areas and being in a position to be able to reallocate some or all of the other investment capital into bitcoin.  The more pure example might be the guy who barely has any other investments and/or savings and he has to pretty much start with whatever extra discretionary income that he can spare to put into bitcoin.

Accordingly, like your example, a guy who invests $30 per week would have had invested right around $1,560 after a year, so $10,560 after 10 years and $5,280 after 5 years.  $30 per week might not get him up to $100k in any short period of time, yet we can also presume that if he is a relatively young person, then he might be able to increase his discretionary income and potentially figure out ways to focus on prioritizing bitcoin earlier rather than later, yet of course there are trade offs, and maybe the first couple of years he tries to double his bitcoin investment allocation amount, so he goes from $30 per week, and then year 2 $60 per week, and then year 3 $100 per week and then year 4 $120 per week.. so he might be figuring out ways to increase his investment amount and even from time to time, he might have some extra lump sum amounts that he receives that he can put some or all of it into bitcoin, so even a guy with relatively modest amounts put into bitcoin over time can build up the total, and perhaps bitcoin will appreciate in value at various points, so that the total amount of value that is in bitcoin may well be several times or even magnitudes higher than the amount that he put into it.. so if the guy has a longer time horizon, he might start to really see a lot of progress after a couple of cycles, even though it is not guaranteed, but there are various precautions that each of us can take in regards to our own execution decisions and how we balance out our aggressiveness in investing into bitcoin, strengthening our cashflow management practices and even making sure that we are following good bitcoin security and/or protection of our coins practices, including perhaps having no more than 10% or 20% of all of our coins on exchanges, third parties and/or hot wallets... So the overwhelming majority of our coins are held in private wallets with a good portion of that in a form of cold storage that we might test out from time to time (yearly-ish? depending on how we are doing it - which even private storage options are changing through the years).

I think that even another point that was being made in your initial post (yixichloro2xx) was that you were suggesting to build the bitcoin holdings up to a certain level before even dabbling with shitcoins.  I am not sure about the necessity of this last point.  It is not a bad idea, yet I understand that people who want to get involved in shitcoins, trade and even gamble, they may well might want to do that at all levels of their being involved in bitcoin. Many times they cannot resist investing in shitcoins or trading and it seems better for them to have an avenue with limitations rather than suggesting that they completely say no to such activities, since they likely would not be able to resist anyhow and so even though it is likely better not to get involved in shitcoins/trading at all but at least if they set a limtiation on themselves, such as no more than 10% of their bitcoin, and then each time they get paid, they can only put up to 10% of the new money into shitcoining and/or trading which means that they cannot continue to draw from bitcoin when they lose part or all of their shitcoin/trading allocated amount, yet every time they get new money to invest into bitcoin, they can take up to 10% of that to put into shitcoining and/or trading.

I have made similar points in the past. There is a certain value that comes from persistence, and even a person who lump sum invests in the beginning and/or at various points through his bitcoin investment, he may well be even better off in terms of his bitcoin investment and also in terms of his psychology, if he is ongoingly engaging in bitcoin through investing into it, whether money or even some of his time and/or energies

Exactly.  You might have had found it difficult to invest the first $20, but then maybe you go back over your budget and you keep looking into bitcoin, and then after another week or two you put in another $10 or $20 and then you arrange some things in your budget so that you are able to invest $10 every week no matter what, and perhaps bonus amounts on some weeks, and so  then every several months you make adjustments, and perhaps you are able to bring your weekly amount up to $30 and then to $50 and then to $70 and then to $100 and more, and yeah, it might take you a bit of time to be able to increase your weekly quantities and/or your abilities to earn or gain some lump sum amounts so that you can feel comfortable dedicating some lump sum amounts to bitcoin.  So, yeah investing can be a process with trade offs and ongoing commitment will frequently help to build our BTC holdings with the passage of time...and we may well end up being achieve way more BTC accumulation than we had thought possible and we also may end up being able to advantage more from potential future upside bitcoin volatility, especially if we might figure out reasonable/prudent ways to front-load our bitcoin investment.

Let us be real, new folks in bitcoin or investors in low income countries, might see $100k too tough as a foundation to be in a strong position on their accumulation. If we start setting that amount as a bench market of being committed to bitcoin, we may end up discouraging a lot of folks who wants to start their investment journey. And yeah, I understand the $100k shows that one is serious and thinking long term buying. We can actually used that set our mindset in the right direction even if to us it may look difficult to achieve. I’m not saying we should lower the bar just to make people feel good, in the end what matters truly is our level of commitment and consistency not just what we plan that we didn't fulfil. An investor buying $30 weekly for five years consistently might end up investing longer than someone who aped in $100k the moment they start their investment.

No mate you don't have to be a complete knowledge to start Bitcoin. If you are fundamentally knowledgeable then you will be suitable for investment. Some may wait to become a complete knowledge but it's not the fair decision. The process of investing in Bitcoin in the DCA method is much easier. As a beginner, you should focus on becoming knowledgeable about Bitcoin market analysis and investment strategies and regularly accumulation Bitcoin from discretionary income. In this strategy, as small fractions are regularly deposited in the portfolio, you will gradually be informed about the investment strategy and how Bitcoin works. In fact, by accumulation in Bitcoin continuously for 2-3 cycles you can achieve complete success as an investor.

You don't have to be perfect to invest in Bitcoin. A source of discretionary income and mental preparation for the long term. That is why you will have to collect ancillary elements gradually such as multiple sources of fixed and alternative income, backup funds and floating cash funds. Waiting for complete knowledge can take forever in Bitcoin investing because there is no limit of acquire knowledge you can.

If they want to gamble on shitcoins, then they should do it when they have ENOUGH capital held in Bitcoin. If you ask me, "how much is ENOUGH"? I would say about a minimum of six figures in U.S. Dollars - $100,000. It might be too small for some people in BitcoinTalk, but I'm a pleb. That amount of money is large enough as a capital base if you ask me.

Plus how much to gamble in shitcoins, probably a maximum of 10%, no more than that - but that's already high risk. You can lower that to 5% and under.

This is the mistake most people make  they think before starting an investment they have to know everything and have their discretionary filled up with money but that is not true because after some time they will realize they have be wasting there time. Knowledge is something one will learn as they progresses in their  buying and holding and the funds is also something one will be hustling and gathering. Lastly, investor ought to understand their goal and work towards it because a person without a goal is already lost.

A decline in the bitcoin market is not a sign to freak you out, but a very good sign to add more bitcoin to your holdings because only with that can you be able to take advantage of every situation you find yourself after your investment in bitcoin has began. Bitcoin is not a quick rich scheme, so having that same approach in your mind will make you panic anytime there is a fluctuation in the market that makes it go in a downtrend direction.

Cutting down your expenses when you’ve made up your mind to begin your investment in bitcoin is also necessary, it gives you a reason to want to save and not spend lavishly because you have a purpose and a target which you’ll work towards achieving. Investing in bitcoin comes with some sacrifices that when you’re able to bear it, you’ll achieve the best investment ever.

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‎I personally prefer a buy and keep on buying approach rather than buying a set amount and then just sitting on it,
‎even though the example shows the power of just one portion of the buying of 12 BTC to have several ups and downs at various points along the way, and yeah, at this time to reach a power of having a $60k per year withdrawal rate, and if the 12 BTC continues to sit, the withdrawal rate is quite likely to double (or more) within the next 4 years.  On the other hand, if the 12 BTC is started to be withdrawn from then it will depend on how fast it is drawn down upon to figure out if the total value of the BTC will go up or down in light of the withdrawal rate.. yet a withdrawal rate that starts out at $60k per year right now, is quite likely going to be able to sustain such $60k per year withdrawal rate perpetually into the future, including accounting for a 7% per year debasement of the dollar. So this year is $60k, and next year would be $64.2k and year 3 would be $68.7 and year four would be $73.5k etc etc etc.
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‎‎
‎Putting buying systems in place might also help to establish additional buying opportunities down the road.  There may be folks who have mediocre pay and mediocre cashflow management practices, yet getting started in bitcoin can help them to improve their mediocre practices
‎cashflows and even better identify times in which they receive some extra money and then since they have a bitcoin buying system in place they are already prepared to buy more bitcoin when that extra money comes to them.
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‎Another thing, as you mentioned, they likely will find themselves  in a better place not to panic or FOMO based on subsequent BTC price moves, since they already have a system for continued buying in place in case the BTC price goes down, and if the BTC price goes up, they realize that they had already been stacking as much BTC as they can, so they are benefiting from the BTC price going up, even though their future purchases are going to cost them more (or at least they won't get as many satoshis for each quantity of dollars/fiat that they put in).
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I don't know on why there's Bitcoin doesn't wait thing since this statement could provably mislead people and think about that they gonna be late upon buying and they get FOMO which is bad situation they might experience.

If they really have long term goals with Bitcoin I think its not necessary for them to think about that since somehow anytime you can accumulate Bitcoin then you could just able to forget about other things out there. I'd better focus on my accumulation rather paying attention on the price since it could make those low coiner to collapsed especially that they get panic on situation that they didn't expect to happen like big corrections came on Bitcoin. That would be stressful so focus and just aim to accumulate lots of Bitcoin since this is better for long term holders.

Bitcoin investment doesn’t require you to gain all the necessary knowledge like you said before starting an investment in Bitcoin. Bitcoin investment doesn’t require to have all knowledge and knowledge can be gained when we practice the little that we know about Bitcoin investment, all you will require is having a discretionary income after paying all your expenses then you can now start investing and accumulating gradually gradually, I must say that I didn’t have all the knowledge about Bitcoin before I started, it was after I started then along the journey I was learning other things that have to do with long term investment and hodl, then I learnt about Emergency funds, Reserved Funds and Floating Funds which are quite essential in our journey of sustaining our Bitcoin investment in a long run.

If you have a discretionary income it’s just better to start immediately instead of waiting to gain all the knowledge which isn’t a very good way of starting Bitcoin investment, considering that you are waiting to get all the knowledge then you will be loosing opportunities. So most importantly is better to start immediately instead. Financial management help in a long way to help and manage your finance to also have more discretionary income to help and accumulate more and probably accumulate aggressively.

It's probably not only about the volatility. It's also because they're not educated well enough about the basics/fundamentals of Bitcoin. It's laughable to see some plebs sell their Bitcoin to "invest" or "trade" a shitcoin. If they have an edge against the market, OK. But most probably they DON'T, then it's better to HODL only Bitcoin because nothing has outperformed it plus we know it's going to exist longer than ALL of those shitcoins.