So for example, there could be a person who makes $2,500 or more per month, but then s/he might have various fixed expenses that cover more than $1,600 per month, and so then at that point, there would be $900 per month that could potentially be invested - however, there may also be some needs to maintain some of that "extra" in reserves for possible emergencies and/or fluctuation of expenses - and surely there might be some entertainment, consumption or other possible demands that might cause the person to have some flexibility in his/her budget and desire to live/socialize and to consider those matters important - so then there would then be potential questions regarding how much of the discretionary $900 that such person might want to dedicate to investing in bitcoin (and deferred gratification) rather than some other ways that s/he might want to consider spending that money in terms of more expedited gratification.. and those are somewhat discretionary matters that may or may not lead to later regrets, in part dependent upon how much spare amount that might be contained in the discretionary amount of income and surely in some cases the amount is enough in order that "both" can be achieved... but still there could still be discretionary questions in regards to "how aggressive" such a person might feel that s/he is being in terms of deciding how to spend his/her discretionary income (once the amount is determined).