CZ Tells Crypto Twitter What They Should've Googled Before YOLO-ing Into $BTC

Changpeng Zhao, co-founder of Binance, told his X followers that investors who do not understand Dollar-Cost Averaging are unlikely to build lasting wealth in crypto, calling it a basic financial term too many newcomers overlook. The July 25 post came two days after CZ asked his audience whether bull or bear markets offer better entry points for long-term holders, a question that pulled in over 1.8 million views within 48 hours and underscored how often newer investors ask the same thing. "DCA (If you don't know the term, better google it. You can't get rich without knowing some basic financial terms.)," CZ wrote on X.

CZ's bull-versus-bear prompt arrived against a backdrop of sharp swings in 2026 crypto markets. Bitcoin spent months grinding through a bear cycle before showing recent signs of stabilization, a backdrop that likely helped drive the surge of responses debating entry timing. The strategy CZ ultimately endorsed sidesteps that debate by removing it altogether: Dollar-Cost Averaging means investing a fixed amount at regular intervals regardless of price, so each purchase averages out over time and no single entry has to be the right one.

CZ himself has a record of timing missteps. He recently admitted he misjudged the stablecoin market, dismissing it early before the sector grew past $300 billion. That history lines up with his current push to direct newer investors toward a repeatable process rather than a single high-stakes call. Weak buy-and-hold returns among 2025 token listings showed how badly timed lump-sum entries can drag on performance, and spreading purchases across both bull and bear phases is one way to sidestep that risk.

The strategy's biggest draw is psychological rather than mathematical. Regular, automated purchases limit the emotional decisions that accompany sharp swings, whether markets grind lower or turn toward a new rally. Some traders currently point to early bottom signals as reason for optimism, while others stay cautious given how long the downturn has lasted. CZ's point was that investors do not need to settle that debate before they start buying, they just need to know the term.