It seems hard for me to read from the beginning of this thread because of the plenty of pages in this thread, but i adopt a strategy of reading from the current pages of this thread, and i have been doing that for some days now. It has helped me understand how significant and reliable dollar cost averaging is when accumulating bitcoin. If i receive my monthly salary by the end of this month and if i solve my monthly expenses, I will use the remaining money to start accumulating bitcoin.
From experience I've observed that waiting explicitly for what is left over after taking care of all expenses before investing into Bitcoin is an evidence of improper planning. You would end up servicing even less important things and at the end nothing might really be leftover to invest into Bitcoin.
Maybe, that's what you feel. Because I believe no one will buy bitcoin when he doesn't have his discretionary income available. So either you plan on how much from your discretionary income you will be using to buy bitcoin before you get paid, or you buy bitcoin after sorting out your monthly needs and use the leftover to invest in bitcoin is the same thing. If you are a serious investor stay focus on the most important thing is for you to keep your bitcoin accumulation ongoing, regularly, persistently and consistently. You can buy aggressively when you can.
It's important you take into consideration your likely expenses for the month, calculate it by yourself with acceptable tolerance to entertain price spikes, dedicate specific funds to it and plan out what percentage of the remaining funds would go into your accumulation of Bitcoin, backup funds and still leave some floating cash to serve as miscellaneous in case your expenses planning experiences a shortage.
You should also know that your monthly expenses varies from month to month. Some months, your monthly expenses will be higher and sometimes lower, which is why it's cool to sort out your monthly expenses and needs in order for you to know how much of your discretionary income is left to put into bitcoin. If you miscalculate it, and rush fast after getting paid and use what you feel is right to buy bitcoin from your initial calculations, it becomes a problem if your expenses and monthly needs gets higher than the amount that you have budgeted.
It's people with strong financial strength that can always say that I will use this amount to invest in bitcoin without caring if their monthly expenses will be higher or lower the initial budget, because if it is higher they have were they can tap funds from to complete it.