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It’s more about their initial sum of money which there was no mention about. It doesn’t take a windfall for a 20 year old with little to no expenses to build a nice little sum of cashUnless your 20 year old is gaining some windfall wealth, DCA is essentially the same thing (after an initial full investment, which I thought was fairly self-evident from context, but apparently not). Budget how much you have & invest it regularly. Setting a regular deposit of a fixed amount will - for 99%+ of people - result in them investing more than telling them to keep putting in as much as they can spare.