Many normal people are not used to investing at all, so many normal people struggle to even invest 10% of their income into bitcoin or into anything else. Many times beginners need to start with amounts that are more practical, such as 10%, yet still if you are able to invest higher amounts and still cover all your expenses, then surely you are likely to build up your bitcoin investment much faster, including that a person investing 30% of his income into bitcoin will be able to reach the investment of 1 years of his salary into bitcoin within about 3 years and 4 months.... which surely can be a good thing if people are able to accomplish that and without putting themselves into financial stress including maintaining various back up funds including emergency funds and reserve funds...and otherwise strong cashflow management practices.
At first it was quite difficult to invest because I was not used to investing like this, but over time, I myself have become accustomed to allocating higher than 30% of course this has covered monthly expenses, so that when there is still left over it is better to go to bitcoin than to buy consumptive goods.
Generally, it is good to have at least 3 months of emergency funds that are in the currency that your expenses are denominated, which you never touch absent an actual emergency in which you might lose income and/or your expenses might go up (such as an accident that involves costs). .. so then extra back up funds that you keep in excess of your emergency funds would be more flexible in regards to what those could be used for, such as buying bitcoin on the dip, or some other kinds of savings that you might have for example to buy yourself a computer or a phone or a car or a motorcycle or take your wife/girlfriend out for dinner or a special trip, buy a bike for your daughter or some other kind of thing that might not be in your regular budget but you want to save up for.
After seeing the balance in the bank, it is enough for the next 5 months as a reserve fund and this has indeed been untouched for 3 months because there has not been any urgency, so I will continue to maintain it while I can with the emergency fund.
But unfortunately the extra reserve fund does not exceed the emergency fund, this is only a little that is owned but I will not buy unnecessary items, because I already have items like what you mentioned such as computers, mobile, motorbikes.
Because I have a family, of course, I prefer to stay at home with my wife and children to save.
The rest is still trying to be allocated to something more productive.