Choosing weekly versus fortnightly crypto buys

In planning sessions we almost always test three cadences on the PC calculator: weekly, fortnightly, and monthly. The mathematically neat answer is rarely the one clients can fund.

Payday alignment

If salary lands once or twice a month, weekly buys force you to hold a cash buffer that keeps getting tapped mid-cycle. Fortnightly buys that sit one or two days after payday survive longer because the money is already earmarked.

Fee math on small tickets

A HKD 300 weekly buy on a venue with percentage taker fees plus occasional network costs often loses more, proportionally, than a HKD 600 fortnightly buy. We put both into the calculator with the client’s real fee schedule before anyone “feels” which is better.

When weekly still wins

Clients who are paid weekly, or who psychologically need the ritual of a small Friday transfer, can keep weekly buys — we then raise the amount slightly or pick a venue tier where fees flatten. The written plan should say why weekly was chosen so a future review does not undo it casually.

Try this before your session

List your last three pay dates and the days you usually feel tight on cash. Bring that list. Cadence decisions get easier when they are pinned to a calendar rather than to a chart.