Bitcoin isn’t just an investment asset—it’s a powerful tool for saving, allowing you to convert your surplus productivity into a durable, non-leaky digital store of value.
With dollar-cost averaging (DCA), you can participate in this long-term financial revolution effortlessly.
And when you shift from a fiat mindset to a Bitcoin standard, you’ll realize the real inflation isn’t in Bitcoin’s price swings—it’s in the slow erosion of your hard-earned money.
What Is Buying 100 Yuan of Bitcoin Every Day All About?
Buying 100 Yuan of Bitcoin: My 4-Year DCA Journey by Gao Chien-Chien is more than just a personal investment log—it’s a compelling narrative on redefining how we think about saving. Published by Feidi Publishing, this book emerged as a "side quest" in the author’s broader Blockchain Sociology series, acting as a bridge between theory and practice.
While the title suggests a focus on returns, the book’s true strength lies in its philosophical depth. It begins with tangible results to spark interest, then dives into foundational concepts like Bitcoin halving, monetary properties, and the idea of Bitcoin as a new monetary standard. The final section encourages readers to take action—step into the "rabbit hole" through hands-on experience.
The structure is intentional: inspire first, educate next, empower last.
👉 Discover how consistent small investments can transform your financial future.
Why Bitcoin DCA Works: Simplicity Meets Long-Term Gains
I started my own Bitcoin DCA strategy in August 2022—not as long as the author’s four-year journey, but long enough to see its benefits firsthand. Dollar-cost averaging allows me to allocate capital with minimal effort, freeing up mental space for life beyond finance while still building wealth.
The power of DCA lies in two core principles:
- The asset must have long-term appreciation potential.
- Contributions must be consistent and sustainable.
Traditional financial institutions have long promoted DCA through mutual funds, but the critical question remains: Why should Bitcoin be the asset you trust for decades?
The answer isn’t found in short-term price charts. It’s rooted in scarcity, decentralization, and censorship resistance. Unlike fiat currencies, Bitcoin has a fixed supply of 21 million coins. No central bank can devalue it through inflation. Its issuance schedule—halving approximately every four years—ensures that new supply diminishes over time, creating structural scarcity.
This makes Bitcoin not just a speculative asset, but a modern form of digital gold—a reliable store of value in an era of monetary uncertainty.
Key Benefits of Bitcoin DCA:
- Reduces emotional decision-making
- Smooths out volatility exposure
- Builds discipline through automation
- Aligns with long-term wealth preservation
The Real Meaning of Saving: Preserving Your Productivity
We’re taught from childhood that “saving money” is virtuous. But few ask: What exactly are we saving? And in what form?
Gao challenges readers to rethink this notion. Money, he argues, is not just paper or digits in a bank account—it’s a representation of your time, labor, and productivity. True saving means preserving that value over time without leakage.
Fiat currencies excel as units of account and mediums of exchange, but fail as stores of value. Central banks continuously expand the money supply, silently eroding purchasing power through inflation. Even if your bank balance grows slightly from interest, it often doesn’t keep pace with real-world price increases.
Bitcoin, by contrast, was designed to solve this problem:
- Fixed supply: 21 million BTC max
- Decentralized issuance: No single entity controls minting
- Programmatic scarcity: Halvings reduce new supply every four years
- Immutable ledger: Transactions are secured on a public blockchain
- Global acceptance: Increasingly recognized as digital gold
When you buy Bitcoin through DCA, you’re not gambling—you’re converting your surplus income into an asset that resists dilution. This is real saving, not just accounting.
“Saving in fiat is like filling a bucket with holes. Bitcoin is the bucket that doesn’t leak.”
Shifting to a Bitcoin Standard: A New Financial Perspective
A common fear among new investors: What if I lose money on Bitcoin?
This fear stems from viewing value through a fiat-centric lens. If you measure Bitcoin in USD or EUR, price drops feel like losses. But flip the perspective: what if you measured fiat in Bitcoin?
From a Bitcoin standard viewpoint, every passing day reveals fiat’s declining value. Over the past six years, BTC/USD has trended upward—meaning USD/BTC has steadily fallen. Holding cash isn’t neutral; it’s a losing position over time.
This mental shift—seeing the world from Bitcoin’s perspective—is transformative. It’s akin to Alice falling down the rabbit hole: familiar logic no longer applies. You stop asking “How much is Bitcoin worth?” and start asking “How much purchasing power does my currency retain?”
👉 See how switching your mindset can protect your wealth from hidden inflation.
Advanced DCA Strategies: Beyond Simple Monthly Buys
Once you’ve embraced basic DCA, consider these strategic variations:
1. Counter-Cyclical DCA: Buy More in Bear Markets
Temporarily reduce purchases during bull runs (e.g., $50/week), saving capital to increase buys during bear markets (e.g., $150/week). This enhances long-term accumulation by buying more when prices are low.
2. Fixed BTC Amounts Instead of Fiat
Switch from “buy $100 weekly” to “buy 0.001 BTC weekly.” This aligns with the Bitcoin standard mindset—you’re prioritizing BTC ownership over fiat cost.
3. Periodic Selling for Rebalancing
Occasionally selling small amounts (e.g., “sell $100 worth weekly”) can help lock in gains or acquire fiat at favorable exchange rates during high-price periods.
These strategies require discipline but deepen your understanding of market cycles and personal risk tolerance.
Living the Bitcoin Standard: From Saving to Spending
After reading this book, I realized my journey wasn’t complete at just saving in Bitcoin—I wanted to live it.
Enter Bitcoin spending. With crypto debit cards now widely available, it’s easier than ever to use Bitcoin for daily purchases. I applied for one immediately.
Why does this matter?
Because true adoption starts with behavior. We can’t force others to accept Bitcoin, but we can choose how we spend our own money. By using Bitcoin regularly:
- I reinforce its utility beyond speculation
- I become less emotionally tied to price fluctuations
- I embody the principle: Not just a holder, but a daily spender
This transition—from value storage to active usage—marks the next level of financial sovereignty.
👉 Start using Bitcoin like cash and experience true financial freedom today.
Frequently Asked Questions (FAQ)
Q: Is dollar-cost averaging in Bitcoin really effective?
A: Yes—historical data shows that consistent DCA over multiple market cycles yields strong long-term returns, especially when combined with patience and discipline.
Q: How much should I invest in Bitcoin via DCA?
A: Only invest what you can afford to hold long-term. Many start with 1–5% of disposable income and adjust based on personal goals and risk tolerance.
Q: Isn’t Bitcoin too volatile for regular saving?
A: Volatility is reduced significantly with DCA. Over time, frequent small purchases average out price swings, making it ideal for gradual wealth building.
Q: What happens after all Bitcoins are mined?
A: Mining will continue through transaction fees. The network is designed to remain secure and functional even after block rewards reach zero.
Q: Can I lose all my money investing in Bitcoin?
A: While no investment is risk-free, treating Bitcoin as a long-term store of value—not short-term speculation—reduces downside exposure.
Q: How do I start my own Bitcoin DCA plan?
A: Choose a reputable exchange, set up automatic recurring buys, and store your Bitcoin securely in a self-custody wallet for maximum control.
Core Keywords: Bitcoin DCA, store of value, Bitcoin standard, dollar-cost averaging, cryptocurrency savings, digital gold, long-term investment