Maybe you should provide an example in regards to where the confusion might lay?

The general idea is that each of us should have some ideas about our discretionary income - which is the difference between income and expenses, and surely not too many folks are going to have exactly the same discretionary income each month, even if they might have a pretty steady income and some pretty steady expenses.  There is likely going to be some variance, which is part of the reason to maintain emergency funds, reserves and to manage aspects of your cash float.

The more organized that you are and the more experience that you have, then the more aggressive you can be in terms of spending higher amounts of your discretionary income on bitcoin (maybe even being able to spend 100% of your discretionary income on bitcoin), but if you are still trying to figure it out with exactness, and if you are still building your emergency funds and your reserves, then you would likely be better served by being less aggressive in terms of how much of your discretionary income you are spending on BTC, maybe only 10% to 20% of it.

You are likely going to be going overaggressive if you are spending beyond your abilities to be sufficiently organized, or spending high levels of your discretionary income without being sufficiently organized, or not establishing much if any of an emergency fund and/or reserves or prematurely tapping into your reserves and/or your emergency funds to put yourself into risky situations in regards to actual emergencies that might come, or inabilities to take advantage of BTC price moves, such as dips because you exhausted all of your funds without adequate preparations to be able to continue to buy and/or to buy on dips, if dips come.