Last night my wife hit me with the question everyone asks eventually.
Shouldnât we DCA out near the top and DCA back in near the bottom.
On paper it sounds genius. Sell a little in euphoria. Buy a little in blood. Repeat. More Bitcoin. Easy.
Hereâs the problem. That plan only works in a world where you always have access to your money. We do not live in that world.
đĽ The real risk is not timing. Itâs access.
If the system snaps even for a week, you donât get to calmly execute your âbuy the bottomâ plan.
Banks can pause transfers.
Exchanges can restrict rails.
And stablecoins are not the vault people pretend they are.
USDT and USDC can be frozen or blacklisted at the issuer level.
đŹ The nightmare scenario
You âsmartlyâ trimmed Bitcoin because you thought youâd buy back cheaper.
Then the bottom arrives.
Panic everywhere.
And your dry powder is unusable.
Dollars stuck behind a bank holiday.
Stablecoins frozen or blocked.
On ramps broken.
Off ramps gated.
Meanwhile Bitcoin still trades globally because Bitcoin does not need permission to trade.
But you do need permission to move fiat into the game.
đ§ The trap nobody talks about
If timing works once or twice, your brain calls it a skill.
You start thinking you found the cheat code.
You promise youâll stop ânear the topâ but you wonât.
Because now it âworks.â
So you keep pushing it until you get caught on the wrong side when the world shifts fast.
đŻ My conclusion
Everyone wants to sell the top and buy the bottom.
Thatâs the same dream gamblers have.
This is not a casino.
This is the greatest wealth transfer in human history.
In a real monetary reset, most assets get dumped and liquidity runs to the strongest escape valve.
Bitcoin.
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So Iâd rather be early than clever.
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Iâd rather be positioned than locked out.
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I DCA in and build the stack.
Because the moment you need Bitcoin most might be the exact moment you canât buy it.