Financial buoyancy doesn't mean one is ready yet for investment. However, it is more a criterion to being any investment which is having the capital yet and stability to invest in the long term. Just because someone has the money doesn’t mean they should invest without a plan.
What will you be thinking of if not for investment when you are financially buoyancy as you said?, having a plan is not something you would need to give yourself days or weeks to think about before coming to the conclusion of when you want to invest because is something that should be already in you so that as the money comes you already no what to do with it, however the only people I can say they need such time are those being introduced the first time but for somebody who understands Bitcoin you don't need to process anything before starting.