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.
Honestly there are crucial consideration which I personally factored in as basics for anyone coming in terms with Bitcoin investment and of course I can remember vividly how @ jayjuanGee often make such clarification as to this regards and in quote, one must primarily figure out whether he or she has a discretionary income before considering Bitcoin investment and it is paramount, once a discretionary income becomes available start your investment right away and figure out other things along the line perhaps and by definition, we are expected to build up to three to six months worth of our expenses as our emergency funds of which is a whole long time that would have been used to be accumulating Bitcoin, the waiting or delaying strategy of building backup funds before accumulation is wrong because that can as well be done alongside your ongoing investment, Bitcoin price is not waiting for you hence you can miss good buying opportunities even when you have the time to utilize the opportunity.