Goal: separate your money into clear buckets, then use rules + simple math to take profits steadily.
For: newcomers who dislike big swings but want to accumulate BTC over time.

1) First, split the wallet: 30–60–10

• 30% Cash & Emergency
  Park in bank/high-liquidity assets. Purpose = availability, not yield.
• 60% Long-term (spot BTC core)
  Use weekly/bi-weekly DCA with a fixed amount—kills timing anxiety.
• 10% Opportunity bucket (short-term/ideas)
  Only trade what you understand; per-trade risk ≤ 1–2% of total equity.

Buckets have different goals and tempos—don’t mix them.

2) Turn fees into controlled costs

1. Compare venues once, then stick to a shortlist. Look at fees, order-book depth, and VND on-ramp to avoid paying “tuition” via slippage. A Vietnam-focused overview helps: best crypto exchange.
2. Signup savings. If you decide Binance fits your needs, a binance referral code can reduce trading costs (always check official terms).
3. On-chain transfers. Favor low-fee networks and test small; avoid moving size during congestion.
4. Mind shallow targets. If Target 1 is only +8–10%, fees/spread/funding can eat half the edge. Push T1 to +12–15% or improve venue efficiency.

3) DCA isn’t “set and forget”: add guardrails

• Entry rule: fixed calendar (e.g., every Wednesday). During extreme fear (<25), allow one small add; otherwise stick to plan.
• Exit rule: when a stage target hits, sell back to principal (hold the rest with profits), then aim for Target 2/3.
• Rebalance: every 90 days, if BTC weight drifts (e.g., 60% → 75%), trim back; if it’s underweight, add back.

Compute break-even, tranche sizes, sell-to-principal, and DCA scenarios up front with Bitcoin Profit Calculator—then execute.

4) Compress Plan → Execute → Review onto one card

Order card (30 seconds)

• This action is: □ DCA □ Rebalance □ Opportunity trade
• Size/amount: ____ (opportunity trades risk ≤ 1–2%)
• Targets: +15 / +30 / +50
• Sell-to-principal @ T1: ____ (validated with calculator)
• Stop (for short-term): structure break or −8%
• Venue & depth check: done □

Review card (5 ticks)

1. Followed calendar?
2. Sold to principal / scaled out as planned?
3. Fees within expectation?
4. Rebalance triggered?
5. One improvement for next time: ______

5) Six common pitfalls (with quick fixes)

1. Mixing buckets → Separate accounts/labels; track goals distinctly.
2. Comparing headline fees only → Include spread, funding, and network fees—optimize total cost.
3. Not selling at written targets → Pre-compute sell-to-principal and automate execution where possible.
4. Max risk during event weeks → 48–72h pre-event, cut to ~50%; add back on confirmation.
5. Opportunity bucket creeping larger → Cap it at 10%; trim excess back.
6. No review → Weekly 10-minute rerun of “better alternative” via your calculator.

6) A monthly rhythm (example)

• Weekly: one DCA action; refresh the order card.
• Monthly: fee/route check—do you need a venue or network change?
• Every 90 days: portfolio rebalance; adjust DCA amount if income or goals changed.
• Anytime: target hit → sell to principal; short-term trade invalidated → exit with the hard stop.

Bottom line

You don’t have to predict the market. Keep buckets separate, minimize friction, do the math beforehand, and repeat small, decisive actions. The 30–60–10 method helps you stay calm in volatility: protect first, then grow.