Carlos Suárez, a middle-class man who worked as a librarian at a public university in Latin America, discovered the world of Bitcoin in 2015. He was fascinated by the idea of decentralized money, although he didn’t fully understand it. His salary didn’t allow for large investments, but he decided to make a small commitment: to invest $30 monthly, without fail, no matter what, for 10 years.

“I don’t care about getting rich,” he told his wife. “I just want to see what happens if I’m consistent.”

And so he did.

💸 Strategy: Dollar-Cost Averaging

Carlos followed a strategy known as Dollar-Cost Averaging (DCA). For 10 years, without trying to guess when the price would go up or down, he simply bought Bitcoin on the first day of each month with $30, totaling:

Total amount invested: 10 years × 12 months × $30 = $3,600

📉 The worst reasonable scenario (based on historical data)

For this analysis, let’s assume Carlos started in June 2015, when Bitcoin was around $230 USD. Since then, the price has fluctuated violently, reaching peaks close to $69,000 in 2021 and falling to areas between $16,000 and $30,000 at certain times.

Let’s take a pessimistic but realistic scenario, in which Carlos:

✓ Did not sell at the peaks.

✓ Did not increase his investment.

✓ Invested consistently throughout the decade.

✓ Finished in June 2025.

Using actual historical data (and simulating a scenario with sustained low prices between 2022 and 2025), the minimum historically achievable profitability with this strategy would range between 300% and 600%, even in the worst periods.

📊 Final conservative estimate

Capital invested in 10 years: $3,600

Estimated value of his portfolio (conservative scenario): between $12,000 and $18,000 USD 🔥Net profit: between $8,400 and $14,400 USD

Carlos's peaceful retirement 🧓🏻

By 2025, Carlos had already retired. One day he checked his Bitcoin portfolio and was surprised: that ‘crazy little savings’ he made out of simple curiosity was now worth more than 4 times what he had invested. He never went into debt, never speculated, and never stressed about the market.

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