DCA In Practice

A DCA plan doesn’t need to be complicated. In its simplest form it looks like this:

Decide on an amount that doesn’t affect your regular life — an amount that, if Bitcoin dropped 50% the next day, wouldn’t cause you genuine financial stress. For some people that’s $10 a week. For others it’s $100 a month. The number is personal.

Decide on a frequency. Weekly, fortnightly, monthly — consistency matters more than timing.

Set it up to happen automatically if possible. Most major exchanges offer recurring purchase options. The money leaves your account, Bitcoin arrives, no decision required.

Then largely ignore the price.

This last part is harder than it sounds. Bitcoin price movements attract a lot of noise — news headlines, social media predictions, people celebrating gains and panicking over drops. The DCA approach works best when you treat it like a direct debit, not a daily decision.

Some platforms that support automatic recurring purchases: Coinbase, Swan Bitcoin, and River among others. The feature is usually called “recurring buy” or “auto-invest” in the app.

The goal isn’t to get rich quickly. The goal is to accumulate sats steadily over time in a way that’s sustainable, affordable, and emotionally manageable.

Not financial advice. Just how a lot of long-term Bitcoin holders have described their approach.

Tomorrow: Day 70 — a letter to everyone still here.

— The Daily Bit