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I have gotten some nice knowledge concerning bitcoin investment in this thread and am still learning in the process 700 pages of bitcoin knowledge and still counting all thanks to JJG and other reputable fellow in this thread.
If you are a HODLer keep buying and hodling bitcoin if you are still procastinating on when to buy you can buy today if you have your discretionary income already starting buying and HODL you can begin with little amount and gradually increase according to the level of your discretionary using the DCA strategy.

Just buy bitcoin and HODL in summary.

Having what it takes to buy and hold is a different thing from not having what it takes to invest in Bitcoin, there are individual who has the money and all takes to invest in Bitcoin but they keep on procrastinating and these category of people I see them as unserious people because anyone who has all these... And is still procrastinating even if the person eventually start, they can not maintain their investment or hold for long because their knowledge or understand about Bitcoin is so myopic. In Bitcoin investment though having a discretionary income is good but it is not compulsory that you must have a discretionary income before you can be able to invest, you can actually start and make sure to set everything in order so that you don't get choked up and the truth is you can not have everything ready before investing but along the line things well fall into their right places and you can even increase your initial amount.

I totally disagree with you on this, your investment in bitcoin should be coming from your discretionary income so that you won't need to dip hands into your bitcoin investment and also to be able to hold for 4 to 10yrs or longer as per your investment time line. So it will be wrong to invest an amount that will make you not be able to cover up your expenses.

I usually agree with this but at some point I have come to realise how much important investments is to me as a young man hence making investment seems to come first before another thing perhaps I would have to allocate a good percentage of my income into investment and whatever remains I would use to pay for my expenses however my personal expenses are not yet bigger than I can afford and I also still receive stipends from parents hence I seems to have come to the conclusion that discretionary income will only come to play when you have gotten a certain level of responsibility. Just my opinion.

your opinion is not that bad, but the most important thing you should settle first as a good investor that you are is your expense, because there is no way you can make a good investment if you don't take care of your expense, and sett up an emergency fund to avoid been tempted to make a withdrawal if there is an emergency bill to settle.

Of course my expenses are always considered first before making investment yet I seems to find myself to be way too young amongst many folks here so I tend to still depend on my parents as I'm still very young however with this I have almost all my earnings or income to be in the part of discretionary income hence I buy more bitcoin considering investments as most important over my personal desires or expenses as you may consider it.

If one finds him or her self in a state where you do not take care of all your needs your incomes will happen to be a big part of the discretionary income because your expenses are way lesser hence I choose to make investment now by buying much bitcoin as I can, by the time I will be due for self care I will probably have lesser worry to buy bitcoin because I would be far ahead of my mates.