The concept is not like that buddy, regardless of what rank we are here, in the end we are free to argue and debate with anyone because there is no prohibition when we argue with people who are ranked higher and vice versa. This is a free forum where we can express ourselves towards the discussion that we are discussing even though it is legendary with a newbie I don't think it is a problem.
Back to the original topic.
JJG I don't really understand the sentence you said, actually I agree with the sentence “Being able to invest into something like bitcoin is called having disposable income” But on the other hand isn't it when looking on the one hand when we start investing and making purchases in bitcoin isn't what we put in can also be called initial capital for us to be in bitcoin because even though this is a long-term investment, still recording initial capital is important so that we can find out how much we spend to buy bitcoin and how much profit (surflus) we will have in the future as part of the capital plus the profit earned.
I'm a little confused, am I missing something here?
I agree with your point about anyone can argue or debate with whomever they want.
Regarding your question about the idea of "initial capital," you can call your investment into bitcoin whatever you like, and if you are calling it disposable/discretionary income or you are calling it capital, it comes off as a bit strange if someone has an income of $500 per month and expenses of $400 per month, and they are putting $10 per week into bitcoin. Difficult (and seemingly misleading to me) to call that $10 per week initial capital, but you can call it whatever you like.
Part of my point, and many guys here seem to "get it" is that if you are starting to invest into bitcoin, and the only thing that you have is some quantity of disposable/discretionary income that you are investing into bitcoin, then likely you are converting your disposable income into capital, especially after many years of investing into bitcoin, but part of the fact that you don't really have any extra money (except your disposable/discretionary income, it is seems strange and misleading to be calling that capital, even if it might later add up in such a way that the "capital" label will start to make more sense.
Maybe if indeed when we enter the total monthly investment expenses plus our needs for 1 month it will seem to be misleading but in this case I personally distinguish the calculation notes to make it easier for myself to manage the finances that I do.
For example, this month I have an income of around $300 a month and I spend $200 for personal needs and around $50 to buy bitcoin. I will make different notes for investments where indeed in the ledger the financial records will definitely remain $250 as this month's expenses but when talking about bitcoin we definitely need another record where there must be a record in the expenses we make for the purchase of bitcoin so that we know how much we have spent on bitcoin while we are here and that in my opinion is important as a consideration and as a belief that in the end being in bitcoin is profitable so that we don't not know how much of our money we spend on bitcoin and how much profit we can take.
But indeed in the end maybe this depends on what we are comfortable doing because the most important thing in this case is that we don't mess around with the way we manage money regardless of the different ways that are done and the mention of something in the end the goal remains the same, namely bitcoin investment.