It probably boils down to something like:

1. straighten out your budget and determine how much you need to live comfortably with a generous margin of error.
2. multiply that by a bitcoin cycle (4 years)
3. save or peel off that amount from your stack somewhere above all time high every cycle
4. as you go and maybe work some here and there or spend less than you thought, sweep it into btc.
5. ride the rollercoaster
6. repeat

The amounts you need to peel off will probably shrink and you will end up with a decent portion of your stack intact when you enter the citadels ;).

It all depends on your conviction.