I can't tell you what's right for you, Troy, but I can tell you what I'm doing. My guess is I'm a little bit older than you - back nine. And I'm going to work as hard as I possibly can and physically can until 2030, because the window is closing. And I think psychologically it's easier to look at a 5-year chunk than something like a 10- or 20-year chunk. I also have a job that even if I leverage AI well, the current business will be eaten up by AI. Based on my situation with my kids, I'm going to need to live in a really high cost of living area during these next five years. If I had the ability to move my family to some place that costs less, I would do it in a heartbeat. So where I live, the stack you need 10-20 years from now is going to be higher than other places in the United States. I haven't been in Bitcoin that long, but one of the coolest things is that every time I have a little extra money, I just go to @River and buy some. I'm always surprised some number of months later the stack if worth quite a bit more in fiat. Staying humble and stacking really does seem like the way. They have really nice DCA options. And I forgot to include this in the original writing, which is the most important thing! Here's what 0.3166 BTC 20 years from now is going to be... Bitcoin price: roughly $9,000,000 Started in 2025 (Age 40) Total invested: $166,993 BTC accumulated: 0.3166 BTC Portfolio value: $2,849,175 😀 ~~~~~~~~~~~~~~~~~ Waited Until 2028 (Age 43) Total invested: $148,349 BTC accumulated: 0.1492 BTC Portfolio value: $1,343,214 The Cost of Waiting You saved $18,645 by waiting 3 years. It cost you $1,505,961 at age 60. You end up with 52.9% less Bitcoin and your portfolio is $1.5 million smaller. 😬