The Weekly DCA Strategy: My Personal Bitcoin Buying Routine

My Weekly Bitcoin Buying Routine

After years of trying different approaches, I have settled into a weekly DCA routine that works for me. I am sharing it not because you should copy it exactly, but because having a concrete example might help you build your own system.

The Setup

Day of the Week: Monday

I buy every Monday morning. Why Monday? No special reason — studies show there is no statistically significant "best day" to buy Bitcoin over the long term. I chose Monday because it starts my week with a positive action. Pick whatever day works for you and stick with it.

The Amount

I set a fixed amount that represents money I have already mentally written off. This is crucial — if you would be devastated losing this money, the amount is too high. For context, my DCA amount is less than what I spend on dining out each week.

My Exact Process

1. Monday morning: Log into my exchange
2. Place a market buy for my fixed amount — no limit orders, no trying to get a "better" price
3. Log out and do not check the price again until next Monday
4. Once a month: Withdraw accumulated Bitcoin to my hardware wallet

Why I Do Not Use Limit Orders

Some people try to save a few percent by placing limit orders slightly below market price. The problem? Sometimes those orders do not fill, and Bitcoin moves up without you. Over a year, the missed buys cost more than the savings. Keep it simple: market buy, move on.

Managing Fees

Exchange fees eat into your returns, especially with small frequent purchases. Here is how I minimize them:

• I use exchanges with maker/taker fee structures rather than flat percentage fees
• I batch withdrawals monthly instead of weekly to save on withdrawal fees
• I compare fee structures annually and switch if there is a significantly cheaper option

The Self-Custody Rule

I never leave more than one month's DCA amount on an exchange. Once a month, everything gets moved to my hardware wallet. Not your keys, not your coins — this is not just a saying, it is a survival rule after what happened with various exchange collapses.

Learn more about self-custody and hardware wallets on our learning center.

Tracking My DCA

I keep a simple spreadsheet with the date, amount invested, BTC price at purchase, and BTC received. This helps at tax time and also lets me see my average cost basis. Our tools page has resources to help with this.

Disclaimer: This is my personal routine shared for educational purposes only. This is NOT financial advice. Your situation is different from mine. Always do your own research and consult a financial advisor if needed.