If you have a steady income and discretionary income, there is no need for you to delay your bitcoin investment or try to buy bitcoin later when you already have the money to invest in bitcoin now. Delaying your bitcoin investment when you already have the money that would have allowed you to invest in bitcoin comfortably will likely make you not to invest in bitcoin when you are ready.
This is true. But investment is by choice and willingness. Someone might be financially ready but not mentally he is not. It might be that he needs to know one or two things about Bitcoin investment before jumping into it. However, getting little knowledge does not take long one or two days is enough so that shouldn't be an excuse. I also notice that many persons due to other failed investments they have done in the past still have this fear in them on investing into another asset like Bitcoin. Well, such persons should guided and mentored so that they can overcome the fear and start their investment.
Investment requires both financial and human preparation, but the investor needs to understand whether he can benefit in any way by delaying here. He may need knowledge before investing. but holding does not require much knowledge. In some cases, it may be that the money you are providing for investment can be spent on other things. Therefore, delaying investment after the financial system is not beneficial, but can also hinder Bitcoin investment. If you have your own financial capacity and a certain income, it is better to implement the principle of holding Bitcoin regularly as soon as possible. A Bitcoin investor needs to understand that the longer your investment is delayed, the more you will loss.
If you choose to delay your Bitcoin investment you are not losing anything at that moment, some people choose to delay there Bitcoin investment because they want to build a strong emergency, reserve and float funds first, yes you can start your Bitcoin accumulation and also be building your backup funds which is your emergency, reserve and float funds at same time, but one thing we most no is that is not every human that likes to rush things some set of people usually don't like doing two things at a time especially when it involve financial resources, it could be that his or her financial strength can't carry both Bitcoin accumulation and building a backup funds at same time, so if a person is delaying because he wants to take his time before going into Bitcoin accumulation is not a bad idea, it is better to start late and accumulate enough later, than to start quick and end up stopping and even selling of all your Bitcoin because of financial issues, if you know your financial strength can carry both building your Bitcoin and your backup funds then you can do it but if it can't then build your backup funds to an extend before starting your Bitcoin accumulation.
Delay is dangerous when it comes to bitcoin investment especially when you have your discretionary income available for you to start investing as a new beginner. It is better of for you to start investing in bitcoin right away than to be waiting to build your emergency funds first before starting your bitcoin accumulation. This is because you have no bitcoin and the price of bitcoin might keep going higher during the time that you are busy building your emergency funds.
It is good that your discretionary income should be divided into two parts. You can use one part to start investing in bitcoin, and use the other part to build your emergency funds for at least three months of your salary since you are on a long term investment. With this practice, you can be increasing your bitcoin stash and your emergency funds simultaneously so that you are not left out with no bitcoin because you are build an emergency funds. It is better to be a low coiner than a no coiner when setting up an emergency funds. If you have finally build your emergency funds, you can channel the money that you are using to increase your DCA amount and invest aggressively to cover up all those times that you have been building your emergency funds. Setting up an emergency funds shouldn't be an excuse for anyone not to get started with his bitcoin investment immediately with his discretionary income.