Actually one thing you should know about Bitcoin investment is that if you should wait till you get the amount of money you want in your bank account before investing you could end up not investing at all because the more you are waiting to get rich first that's actually the more expenses are compounding, although I no that you have your own decision to make but waiting to be completely financially stable could possibly take you a very long time before you can start accumulating Bitcoin.
You don't have to get huge amount of money before you can start investing on Bitcoin, however is not like everyone who are into Bitcoin now have a bank stored with huge amount of money but instead they started from somewhere and before they realize they had already gotten a good amount of Bitcoin on their portfolio, so I would advised you start from little through the use of DCA strategy and with time and consistency you could be surprised with how far you will go on your investment.
Not everyone is blessed enough to have huge amount of money to invest in bitcoin at once, if i am not mistaken majority of the people don’t have that much to invest all at once that’s why the DCA strategy was introduced to so the less privileged can also have the opportunity to invest as well and not miss out.
The amount we invest depends on the capability of risk tolerance and not the amount of money we have in our bank accounts. Some might be earning just little and still risk 50% of it into investing in bitcoin while a person who earns more might find it difficult to invest up 10% of their money in bitcoin. Waiting to accumulate more money to invest is not the best way for me, while trying to save up one might be faced with different financial challenges which might lead to spending part of the money meant for your investment so investing the little you can afford first and topping up whenever you can is the best way to accumulate bitcoin especially for those who don’t have huge amount.
The amount we invest depends on how much of our discretional and disposable income we have after taken care of our personal needs and a provisional emergency funds, yeah you right about saying that those who have lesser risk tolerance level we tend to invest more than those that have higher risk tolerance level which differs individually even in terms of our income flows and expenses so any one can only invest the amount that suits him or her in terms of income flow, psychology, risk tolerance level and investment goals and objectives.