Buying a little bit of Bitcoin every day
this one is for the ladies, inspired by Kin Ko's initiative ~
Last year, I read about a friend
’s 2020 initiative to set up a recurring buy of US$ 100 worth of Bitcoin (BTC) per day for himself1. Soon after reading the article, I tried it myself with a much smaller amount (he recommends any fixed amount you’re comfortable with), and it’s definitely closer to my style of personal investing rather than anxiously watching the crypto markets and trading every day. I took a hiatus after my son was born (having kids is expensive!) but I started it up again recently.I wanted to write my own version with a supplementary angle — why more women should try this approach if they want to start investing in crypto. This is not professional financial advice but simply some observations and learnings that I wanted to share, and this strategy with this minimal amount isn’t going to make anyone a millionaire. It also doesn’t have to be a specific amount or at this frequency (for example, you could do it weekly instead of daily) but I believe this approach is quite suitable for those who are want to get started in crypto2.
These are the topics I will discuss:
Why crypto for women?
Why Bitcoin instead of other tokens?
The state of crypto recently and when to start buying;
How to set up your recurring Bitcoin buy.
Even if you don’t end up buying any Bitcoin after reading this, I still hope you find it interesting and that it gives you a different perspective!
1. Crypto is a real chance where women today can start at almost the same level playing field in finance and wealth generation as men
Money as a tool for exchanging value has existed in human society for ~5,000 years3. In some ancient civilizations, women could own property, inherit wealth, and run businesses, but across all cultures, women’s rights declined over time, and only in recent history were women in modern societies legally allowed to own their own assets and open their own bank account without a man’s permission. For example, it was only 50 years ago (1974) that the Equal Credit Opportunity Act passed in the US that allowed women to open bank accounts and get credit cards without male co-signers!
What this means is that generally, women have to play catch up to men with a difference of thousands of years. However, cryptocurrency only came about in 2009 with the launch of Bitcoin, which means that if some women decided to buy their first crypto today, they could be starting at almost the same level playing field as men, since only 7% of the world’s population currently holds crypto. And of that 7%, only 30% of users are women4, which is also why I strongly believe that more women should be in the space5.
Blockchain and cryptocurrencies are a big learning curve, and I wouldn’t recommend this approach for all women, especially those that don’t have much flexibility in their money. Unlike the stock market, crypto doesn’t sleep because it’s not tied to a timezone, so it’s always changing and there’s a lot to keep up on. However, if you’re interested in getting into crypto without constantly being on top of the latest trends, my suggestion is to try this approach and budget a small amount of your income to an automated process that buys a little bit of Bitcoin every day6.
2. Buying Bitcoin (BTC) is like buying into the entire crypto ecosystem
Perhaps you’ve heard of other cryptocurrencies like Ethereum (ETH) or Solana (SOL), so maybe you’re wondering why I recommend buying Bitcoin to start off instead of including other tokens. Actually, if you decide to study crypto more deeply and you find some interesting blockchains or tokens that you feel strongly about and want to buy, you can definitely consider a different approach! This piece is mostly for those women who want an entry-level, simple, and straightforward way to invest in crypto.
You can think of buying Bitcoin the same way as thinking of buying stocks for the first time. Instead of trying to study hundreds of companies, many people choose to buy into an index, like the S&P 500 Index which tracks the stock performance of 500 of the largest companies listed on US stock exchanges. Technically, Bitcoin isn’t a crypto index fund, but buying Bitcoin is like betting on the whole crypto market’s growth through its biggest player. If more people buy into any token on the blockchain, showing more confidence in crypto as a whole, then Bitcoin benefits. Conversely, if people get scared and sell a lot of their tokens, Bitcoin also takes a hit. Because of this, Bitcoin has become a kind of proxy for the crypto space.
The suggestion to invest in Bitcoin mostly supports the idea that if you were to only invest in one cryptocurrency, Bitcoin would be the most logical choice.
3. When is a good time to start buying Bitcoin using this strategy?
Start today or as soon as possible. Price movements in crypto are mostly unpredictable, and you can’t easily tell if the President of the United States suddenly announces a strategic reserve for crypto. Moreover, these kinds of news don’t happen on the daily, and trying to predict the price of different cryptocurrencies leans more towards speculation and guesswork.
This year for the first time, Bitcoin reached US$ 100,000 (meaning that 1 BTC was worth US$ 100,000). As of March 1, 2025, Bitcoin was around US$ 85,0007, which is almost a 30% decrease from its all-time high from less than 2 months ago. Crypto markets are volatile, which is why the recommendation is to start small until you’re more comfortable. You might be thinking that $85,000 is still too expensive to buy—but the great thing about Bitcoin is that it can be divided into 100 million units called satoshis8, and you can buy those units instead of whole Bitcoins. A more practical way to view it is that 1 satoshi is a tiny fraction of a Bitcoin, equal to 0.00000001 BTC—so $10 today gets you about 11,765 satoshis at $85,000 per BTC.
Again, buying at such a small amount will not make you rich, but it’s a good way to get started in crypto. Automating your buys using a regular, fixed amount strategy is the recommended approach9, and it’s a simple yet effective approach that’s been used for the stock market and outperforms over 80% of market timing approaches, which is likely to work similarly in crypto.
For example, if you started with US$ 10 daily, this is how much you would have made (not including the US$ 10 you spent every day) if you started:
1 year ago in March 2024 = $750
2 years ago in March 2023 = $7,100
3 years ago in March 2022 = $17,300
Not too bad for spending $10 a day!
4. How to get started on buying Bitcoin
Decide your fixed amount first and how frequently you want to do it (daily or biweekly or any sort of recurring period you prefer). For the amount, you can use a small percentage of your income or start with a number equivalent to something you won’t miss too much, like a snack or a drink. Once you figure out how much you’re willing to spend to buy a fixed amount of Bitcoin and how frequently to do it, you can check which exchanges are most suitable for the country you’re in.
I like to use Kraken10 but for location-specific exchanges:
In Taiwan, I recommend Maicoin, which is one of the earliest crypto exchanges founded here and now quite established;
If you’re in the US, Coinbase is a good option too because it’s currently the only crypto exchange that’s publicly listed in the US stock market.
Once your registered account is set up and approved, you can read more about how to set up recurring buys on Maicoin or Coinbase. I would recommend two-factor authentication (2FA) for extra security because, as you probably already know, crypto is infamous for its scams and hacks.
The great thing about crypto is that you can stop these recurring buys at any point without having to go through customer service, unlike traditional banks. I recommend a long-term strategy for this approach, but of course as things come up, you can always pause and restart again at a later time. If you’re worried, you can try it for a short time first, like a month, and see how you feel before committing to anything longer-term.
My friend who started this initiative, Kin, wrote a follow-up post 3 years after he tried this strategy, and he mentions how no matter what time you entered during those 3 years, you would have always made some money in the end using this approach. He also ended up writing a short book 每天買一百元比特幣：我的定額定投四年戰績實錄 after more than 4 years of investing with this strategy, and he recommends anyone can try it by setting a fixed amount to buy Bitcoin for a set recurring time.
I think that it’s a great initiative for those who are not trying to take big risks while also wanting to get into the crypto space. I’m always advocating for more women to be in crypto, because in the end, one of the best utilities of crypto is to make and own your own money, and we should all win together. So go get that bread girl ~
Thank you to Caroline Ma, , , and
for reviewing and giving feedback!This is his original article in Traditional Chinese.
Please remember to do as much research as is going to make you comfortable about trying anything new or different with how you’re currently handling your money.
According to ChatGPT, the earliest known money included grain, cattle, and silver from ~3,000 BC. Ancient Mesopotamians used silver and grain in a system recorded on clay tablets.
Although 30% representation of women is low, it’s actually a good improvement from the year before when only 18% of crypto users were women.
Being in crypto also ensures that anyone has true ownership of their own money, so women don’t ever have to fear laws being reverted back like the abortion one in the US in 2022.
I would only recommend this approach to women who have income or more flexibility in their savings. You can use a percentage of your income to calculate the amount, or you can start with a small, less risky, fixed amount like NT$ 300 / US$ 10 per day.
I’m referring to CoinMarketCap, one of the more established crypto tracking sites.
Satoshi units are named after the anonymous founder of Bitcoin, Satoshi Nakamoto.
This strategy is called “dollar-cost averaging” from traditional finance, which involves investing the same amount of money in a target security at regular intervals over a certain period of time, regardless of price, which reduces the impact of volatility on your portfolio.
Kraken just announced their plans to IPO on the US stock market in early 2026.
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