Financial management is very crucial and I also believe that that has been the sermon here from a very long time. Investing above your capacity in the name of aggressive investment has a repercussion which could render you coinless within a space of time. Some people have argued that in the event of sudden unplanned huge income, that you channel the excess to bitcoin investment beyond your usual discretionary DCA approach and this is what they refer to as lump-sum. Investing in that capacity is good but before you do that, there should be a corresponding increase in your backup and emergency funds also. This would enable you to cushion the effects of whatever may lead you into selling off your coins before maturity or at least completing above one cycle.
It is not clear what you mean by beyond your means. If you do not have enough money, then you will not have the consideration of buying and you may not even imagine investing. So you should not misguide others about investing. There will be a mixture of emotions and reality among investors and sometimes because of the high level of emotions among them they are attracted to lump sum investments and if they are through their own floating money they can be ahead in getting Bitcoin holdings.
It will not be easy for an investor to follow the financial management correctly in the beginning because they decide to buy at different prices and market conditions. In the meantime if those investors get dips events they can make aggressive buy from floating cash funds. Being afraid of investing means that you do not know how to use your money properly. Financial management in investing is to continue accumulation Bitcoin with discretionary income every week or month and increasing the amount of Bitcoin pile by aggressively buying during the expected events.
You choose to be misled cause you failed to pay attention to details of his statements, maybe you don't understand what he meant by investmenting above your capacity, he's right afterall and every investor should invest according to their income and that's just it, you don't go investing above your income all in the name of investing aggressively and like he said which is very true, the consequences of doing that can lead one to being coinless cause you'll be forced to sell off your coin at some point to solve pressing issues when it's not very matured for taking profits, that's why investing according to one's financial capacity is very important so you'll still have funds left to spend on important expenses like food, utilities, health and other bills. Also, in a full circle, lots of dips would definitely occur therefore there's no point rushing to invest aggressively cause you witnessed a dip and invest beyond your limits.