Bitcoin Coherence Ledger

Bitcoin Coherence Ledger

Bitcoin Regime Compass

Accumulating Bitcoin Without Self-Sabotage

A Dollar-Cost Averaging Architecture Across Budget, Market Cycles, and Human Behavior

Florian Jumel's avatar
Florian Jumel
Jan 10, 2026
∙ Paid

Over time, every market turns inward and confronts you with yourself.

The biggest misunderstanding about DCA

Dollar-Cost Averaging is often presented as a simple savings technique. In reality, DCA is not a buying method. It is a decision-replacement system.

If you think DCA is trivial, you have likely never tried to execute it over multiple years, remain consistent through deep drawdowns, or stay disciplined during euphoric bull markets. Most people do not fail because of math. They fail because of inconsistency under pressure.

Bitcoin does not destroy strategies. Bitcoin exposes the absence of structure.

This article is written for you if you want to accumulate Bitcoin.

Not debate it, not time it, and not trade it.

At some point, every serious investor realizes that the real challenge is not entry price, but self-management. DCA exists to remove you from the part of the process where you are least reliable.

From this point on, the text stops explaining DCA and starts defining it for optimal accumulation based on your monthly investment budget.

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