I don't think it will be a wrong idea if an investor start accumulating bitcoin and at the same while working on his source of income because I don't prioritise waiting.a newbie investors can also decide to cut down on some of his expenses and use the money to invest in bitcoin.There are people who has formed the habits of womanising, clubbing, drinking of alcohols and smoking etc.if an investor decides to quit some bof this habits which I believe he can deal without, and use the money to start accumulating bitcoin.so a newbie who is financially stable can be accumulating bitcoin an at the same while working on his finances.