I’m young and trying to be smart about my finances. My husband pays for everything I only pay my car insurance which is 159 dollars a month which I bet if I ask he will just pay that too. I want more opinions on what I should do. I have a decent size savings account and my husband has a lot of money too so I’m not necessarily worried if something were to happen we would be fine. I’ve learned about btc and have been buying and holding for 6 months now. I also invest into my 401k, my work does 7% match so I’m more than happy to keep loading into my 401k but ultimately I am more happy to spend in btc.
I would just like opinions especially since seeing btc is at 108 rn. Is 1k a month way too much? I should add I also do not buy anything really. Anything I want my husband gets so my income really is disposable.
I make 2600 a month. I have no bills and I have a large savings. How much can I spend on btc a month?
byu/No_Enthusiasm5089 inBitcoinBeginners
Posted by No_Enthusiasm5089
6 Comments
The critical thing when you buy bitcoin is to have a long enough time horizon and commit to hold a minimum of 4 years, no matter what the price does. You need to ask yourself what amount you’d be comfortable holding through a potential 60-70%+ downturn (I think this is unlikely at this stage but it’s not impossible).
In my view the only way to put in ‘too much’ is if you’ll be at risk of emotionally reacting during a dip and panic selling. Or if you may need the money sooner than 4 years, but it doesn’t sound like that’s the case here.
As much as you want
American HODL on whether you’re stacking hard enough: 😂
[https://www.youtube.com/watch?v=srmS5ZqpNSU](https://www.youtube.com/watch?v=srmS5ZqpNSU)
All of it
You’re in a great position — zero debt, strong savings, and a matched 401(k) already puts you ahead of most people your age. Since your income is mostly disposable, it’s totally reasonable to dedicate part of it toward Bitcoin, especially if you understand *why* you’re stacking.
A good starting point is to keep it **steady and sustainable**. Even $200–$500 a month can build a solid position over time through *dollar-cost averaging* (DCA). If Bitcoin dips, you’ll buy more; if it rises, your earlier buys will look smart. The key is consistency, not aggression.
Allocating $1,000 a month isn’t “wrong” if you’re confident, but it’s important to stay emotionally steady — Bitcoin will test that. It’s better to stack in a way that *feels boring* than to overextend and stress about price swings.
Keep your safety net intact, keep your long-term mindset, and remember: slow and humble stacking wins in the end.
TLDR;
🟠 *Stay humble, stack sats.*
I do $100/week but recently I’ve had spurts where I’ve bought $500/week. This is all after maxing out retirement vehicles (i.e. 401k, Roth)