ilovemoney.net Blog

Impermanent loss (IL) is the difference in value between keeping your crypto in a wallet versus providing it as liquidity in a decentralized exchange (DEX) pool. If the price of the tokens in your liquidity pool changes after you deposit, you end up with less value than if you had simply held the...

Dollar cost averaging (DCA) means investing a fixed amount of money at regular intervals — say $200 every month — regardless of whether prices are high, low, or crashing. You don't try to time the market. You just keep buying.

Dollar-cost averaging into Bitcoin sounds simple: invest a fixed amount every month, ignore the price, repeat. But does it actually work? We ran the numbers. Here's exactly what $100/month into Bitcoin since January 2020 would be worth today — month by month, no cherry-picking.

Every time you exchange US dollars to Canadian dollars at a bank, you lose 2-3% to hidden fees built into the exchange rate. On $10,000 that is $200-300 gone instantly. Here is exactly how the system works and how to get a significantly better rate in 2026.

Your FIRE number is the total portfolio value you need to never work again. It sounds complicated but the math is surprisingly simple. Here is exactly how to calculate yours — and how long it will realistically take to get there.

Learn how dollar cost averaging works for Bitcoin and crypto. See real examples with historical returns and calculate your own DCA results with our free simulator.