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.
I like the fact that you're planning something good for the time when you're grow up and have to be the one catering for all your needs instead of your parent. However, there's something you must not ignore despite all your investment in Bitcoin.
You must understand how to secure the Bitcoin for long term and don't leave it on CEX platform for your own safety because if it is not your keys, it is definitely not your coins.
Because something big is coming where most job/task human are doing now will be execute by robot/AI and when this happened the CEX can take any form of problematic behave but there's still huge chance for those that hold BTC in self-custodial wallet.