You must have a source of income if you must succeed in your holdings.
For the few years I have been into cryptocurrency, I have discovered that you can't hold till the right time if your don't have a source of income. Just imagine that you have a pressing basic needs like feeding or rent, then you don't have money to finance it, you will be forced to sell your Bitcoin at a loss if you don't have a source of income outside your holdings.
Most people that have sold their Bitcoin holdings at a loss or at an average price actually have the patience but don't have the knowledge of how to hold, because a good holder must be aware that he needs a source of income for him to be able to consolidate to his holdings.
It has happened to me severally, I have been able to hold now, since I started working as a merchandiser with Guinness, I think most times, experience is the best teacher.
To be honest no one can invest in bitcoin without any source of income, have heard people stories on how they succeeded holding bitcoin till date, have you ever thought how did this happen, I have never gotten an opportunity to ask but aside from a source of income there's something attach to being a successful investor.
We can all agree a source of income can be the money we earn monthly for rendering a service, when referring to bitcoin it doesn't necessary mean you'll start with a huge amount and continue to accumulate with such huge amount it's not a must. A lot of salary earners can't afford enough for the family even with their salary due to the economy and the needs you mentioned rent, school fees etc. Does this necessary mean they should avoid investing, in my opinion no one should afford investing with such issue the best here is to double your hustle and always set aside some money for bitcoin investment.