To accumulate Bitcoin better, you must have good finance and good personal financial management for yourself, your family and your investment. Your investment should come to like your last priority because you and your family must survive, live well first.
If you have good job(s), good income, you can have more source of capital for investment after using part of your income for necessary expense and surely have money for emergency.
After you have fund, best strategy is Dollar Cost Averaging (DCA) with which you will make accumulation without emotion and you will be less affected by psychology cycle of market.
You just said it all because most of the people who go Into DCA'ing doesn't really know they needs additional source of income to be able to withstand their family pressure and even though one must invest, it should be a moving business is there to take absolute care of the family and family needs to relief oneself from financial stress. Most times DCA'ing mostly good when there is a reserved funds which one can used for as backup funds to cover up every expenses without dipping hands into the investment during the DCA period.