Three years ago, on December 1, 2020, I published an article titled *Buy $100 of Bitcoin Every Day* in a now-defunct newspaper column. At the time, Bitcoin was trading well below its all-time highs. I wasn’t trying to time the market—I wrote it with conviction, not because the price had just surged past $40,000. In fact, I’d have preferred to discuss this strategy during a bear market, when emotions run low and rational thinking is most needed.
Let’s assume for a moment that Bitcoin is currently priced at $30,000. The exact number isn’t the point—it’s the mindset that matters.
The core idea remains simple, distilled into three principles:
- Start with Bitcoin—don’t overthink which cryptocurrency to buy.
- Start today—there’s no perfect timing.
- Buy consistently—$100 every single day, regardless of price swings.
Whether you took action after reading the original piece in 2020 or after it was republished in my 2022 book “When I Say I Don’t Invest, I Mean I’m All In on Fiat,” let’s now review the real-world results using data—not hype.
Five Entry Points, One Winning Strategy
Here’s the key takeaway: no matter when you started buying $100 of Bitcoin daily over the past few years, you would have made a profit.
I tracked five major entry points:
- Dec 17, 2017: Bitcoin’s first major peak near $20,000, followed by a brutal drop to ~$3,200.
- Dec 1, 2020: The day my original article was published.
- Apr 13, 2021: Near the cycle top of ~$63,588.
- Dec 1, 2021: A high point before the bear market deepened.
- Dec 1, 2022: During one of the coldest periods in crypto history, with BTC hovering around $16,800.
For each date, I calculated the outcome of investing $100 daily until November 30, 2023—factoring in actual daily prices, ignoring fees. The results? All five scenarios ended in positive returns.
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Even if you FOMO’d (fear of missing out) at the absolute peak in 2017 and watched your investment lose over 80% of its value within a year, holding firm and continuing to buy turned loss into long-term gain. This is the power of dollar-cost averaging (DCA): smoothing out volatility by investing fixed amounts regularly.
And here’s something meaningful: if you invested $100 USD daily since December 1, 2022, by late 2023 you’d own over 1.43 BTC—officially making you a “whole coiner.” Given Bitcoin’s capped supply of 21 million, and a global population of roughly 7 billion, that means only about 1 in every 333 people could ever become a whole coiner—even fewer in reality due to lost wallets and institutional holdings.
Of course, not everyone can afford $100 USD per day. But whether you invest $100 HKD or $100 TWD, the principle holds: consistency beats amount. Start where you are. Scale as you grow.
Why Four Years Matters
While DCA works over any timeframe, aiming for at least four years gives you a better chance of riding through a full Bitcoin halving cycle. Historically, Bitcoin’s price follows a ~4-year rhythm tied to its block reward halvings. Shorter periods may miss the rebound phase entirely.
You don’t need to predict tops or bottoms. You just need patience and discipline.
Now, remember—I wrote this analysis assuming BTC at $30,000 for conservative estimates. As I type this in early 2025, Bitcoin is trading above **$41,684**. That means actual returns are even stronger than projected.
Could Bitcoin drop to $20,000 again? Sure. But if history teaches us anything, those dips become golden entry points for those who keep buying.
Did I Follow My Own Advice?
A fair question: Do I practice what I preach?
Yes—but with caveats.
When I wrote the original article in December 2020, I was already using DCA to build my Bitcoin holdings. However, I haven’t maintained the $100/day habit for four full years. Why?
First: income instability. That same day marked the end of my last full-time job. Since then, I’ve lived off freelance writing, teaching, and occasional consulting—what some call a “digital nomad” lifestyle. Without steady income, consistent DCA became difficult.
Second: I already bought early. Starting in 2017, I accumulated Bitcoin at various stages. Over time, I converted nearly all my available fiat into crypto—mostly stablecoins for flexibility. For me, the focus shifted from accumulation to use and experimentation.
Third: my goals evolved. While many invest purely for financial return, I prioritize real-world application. My recent holdings include more Ethereum than Bitcoin—not because I doubt BTC, but because I’m actively building and testing on smart contract platforms. This practical focus shapes my portfolio differently than pure speculation would.
Still, I stand by the advice: for most people, especially beginners, starting with Bitcoin via daily DCA is one of the simplest and most effective wealth-building strategies available.
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FAQs: Your Questions Answered
Q: Is $100 per day too much for most people?
A: Not necessarily. The amount should match your budget. Even $10/day creates meaningful exposure over time. The key is consistency.
Q: What if Bitcoin fails or becomes worthless?
A: That’s a risk—but so is holding fiat currency long-term, given inflation and devaluation trends. DCA minimizes risk by spreading investment over time.
Q: Should I only buy Bitcoin?
A: For beginners: yes. Master one asset before exploring others. Once comfortable, you can diversify into other established projects.
Q: Does this work with other cryptocurrencies?
A: Less reliably. Bitcoin has the longest track record and strongest network effects. Altcoins carry higher volatility and uncertainty.
Q: How do I actually set this up?
A: Most major exchanges allow recurring buys. Set up an automatic transfer—out of sight, out of mind—is the best way to stay consistent.
Action Beats Analysis
This may sound too simple: Buy $100 of Bitcoin every day. Some call it obvious—like saying “water is wet.” But how many actually do it?
Among my readers, I’d guess fewer than 3 in 100 follow through. Some say they can’t afford it. Others claim there’s no time to learn. Many believe “the opportunity has passed.”
But look at the data: every entry point worked.
The real barrier isn’t money or timing—it’s psychology. We overcomplicate what works. We wait for perfection. And while we hesitate, those who act quietly build wealth.
I repeat this message not because it’s clever—but because it works. Each time someone starts their DCA journey because of this article, I consider it a small win for financial literacy.
👉 Join the movement of everyday investors building real wealth—start your crypto journey now.
Let’s meet again next year—no matter whether Bitcoin is at $4,000 or $400,000—and review progress across a full halving cycle. Because in the end, success isn’t about predictions. It’s about persistence.
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