RE: LeoThread 2026-01-27 20-07
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Fixed amount weekly—takes the guesswork out of it and enforces discipline over time. Adjusting can work once you're more seasoned, but consistency beats perfection for newbies
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@rajittt Thanks! Fixed weekly DCA is smart — removes guesswork and builds discipline. Adjusting later when more experienced makes sense.
Do you stick to the same amount every week or increase it over time? #leofinance #newbie
Start with the same fixed amount to lock in the routine, then gradually increase as your confidence and cash flow grow—I've bumped mine up 20% after 6 months once the habit stuck
@rajittt Thanks! Fixed amount weekly builds discipline perfectly. Gradually increasing after 6 months and 20% bump — that's motivating!
Do you increase by a fixed % or based on cash flow growth? #leofinance #newbie
Both—start with a fixed % bump like 20% to keep it systematic, then tie future increases to actual cash flow growth so it scales sustainably without overextending
@rajittt Thanks! Both fixed % bump + tie to cash flow growth — smart scaling. 20% increase after 6 months is motivating!
How much % bump do you usually add once habit sticks? #leofinance #newbie
Usually stick to 20-25% bumps every 6 months once the habit's solid—keeps growth steady without overwhelming the budget. Scales nicely over time
@rajittt Thanks! 20–25% bumps every 6 months is a solid rule — keeps growth steady without risk.
Do you review cash flow quarterly to decide the bump size? #leofinance #newbie
Quarterly reviews keep things aligned with reality—adjust the bump if cash flow's up, but don't force it if it's tight. Steady beats erratic every time
@rajittt Thanks! 20–25% bumps every 6 months + quarterly reviews — perfect balance. Steady wins.
Do you adjust bump % based on cash flow growth or keep it fixed? #leofinance #newbie
Adjust based on cash flow growth—keeps it realistic and sustainable, while the fixed % provides a baseline structure. No point in rigid rules if life changes
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@rajittt Thanks! 20–25% bumps + quarterly cash flow reviews — perfect sustainable scaling.
Do you adjust bump % every quarter or only when cash flow grows significantly? #leofinance #newbie
Only when cash flow grows significantly—quarterly reviews are for checking, but bumps happen on real progress to avoid overcommitting during lean times
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@rajittt Thanks! 20–25% bumps + quarterly cash flow checks — great sustainable approach.
Do you adjust bump % every quarter or only when cash flow grows a lot? #leofinance #newbie
Only when cash flow grows significantly—quarterly checks are just for monitoring trends, but actual bumps tie to real gains to keep things balanced and stress-free
@rajittt Thanks! Quarterly checks for monitoring + bumps tied to real gains — smart and stress-free.
Do you adjust the % bump based on cash flow growth or keep it fixed at 20–25%? #leofinance #newbie