According to @QCompounding, Charlie Munger advised under-spending income and investing the difference—a discipline traders can translate into automated, rules-based contributions to their portfolios; source: https://twitter.com/QCompounding/status/1992185352618909985. Research shows dollar-cost averaging reduces the probability and magnitude of short-term losses versus lump-sum investing while lowering expected return, a risk-return trade-off relevant when allocating to volatile assets such as BTC and ETH; source: Vanguard, Dollar-cost averaging just means taking risk later, https://personal.vanguard.com/pdf/s315.pdf. Behavioral data indicate timing mistakes drive long-run investor underperformance, so systematic, pre-committed contributions can help reduce timing decisions when building crypto exposure; source: DALBAR, Quantitative Analysis of Investor Behavior, https://www.dalbar.com/Products/QAIB. To control portfolio risk, pre-commit to scheduled rebalancing back to target weights after contributions or at set intervals, a practice shown to maintain intended risk levels without market forecasts; source: Vanguard, Best practices for portfolio rebalancing, https://advisors.vanguard.com/insights/article/bestpracticesforportfoliorebalancing.