You don’t invest with spare money, it sound as a disrespect or lack of trust from my view cause when referring something as spare it’s considered as a leftover or not so important but rather you invest with your satisfied amount for example, each time I receive my monthly pay I make sure bitcoin budget is involve cause bitcoin investment is so valuable so I can’t afford to miss the date set for accumulating sometimes I use my monthly bonus to accumulate cause I know I can hold for long and still plan ahead, if you’re referring your accumulating money as a spare amount you’re actually trying to say you can miss the date set cause what if there’s no spare money during that month.
We should be learning with all of our mind widely open, spare money which can also be called discretional or disposable income has to do with figuring out the difference between your income and your expenses, if you don't have your life needs covered up, then you may end up gambling with your investment, it is best you have your life personal life needs covered before considering the amount to be put in to your investment. However, you need to have either income or side amount of savings that is greater than your expenses in order to be able to invest and if you do not such access then you are gambling rather than investing. At most times different months as a monthly salary earner comes with different expenses or apparently as an individual our expenses varies in days, weeks, and months, hence an investor will tend to invest or not, increase or decrease the amount of money to be allocated to his investment depending on how much of his discretional and disposable income he has and that only serves the purpose of investmenting only the amount we can afford to lose with so much comfort and the peace of mind needed to grow our asset class
BITCOIN.