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 unless the person does not want to invest at that moment in other for him to have a taste of his money first before investing because is a routine habits for some persons.
Just as time wait for no man that's how Bitcoin prices wait for no man . When comes to investing in Bitcoin is good to make plans though, but don't let that plans leads to procrastination, because many people keep using that idea of planning to procrastinate, there alot of folks that wanted to get into Bitcoin when the price range was still around $50k but they had to procrastinate due to many reasons like planning, or waiting for a certain the dips but now Bitcoin is X2 of that price range (now 100k) so these are stuff procrastinating can lead to when comes to bitcoin investment.