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Yeah having a stable income is an advantage when it comes to bitcoin investment , but still without stable income you can also accumulate bitcoin, but in this case one will have to focus on lumpsum buying because you won’t be able to keep up with dcaing purchases due to the lack of stable income .
But in such case the best thing to do is to find a job or workout a skill that will help to cover that space , if you have a job you are earning from , you can take your time to improve or learn any skill that will serve as other sources with that you be able to keep up with your investment with your daily life activities.
Having a stable income where some of it can be set aside is one of the reasons why they need to increase their portfolio. Instead of saving fiat, I think they can save bitcoin, it is the best choice for long-term investment compared to fiat or some other assets. If they can only set aside 5% of their income for investment, that is also better than nothing, but they also need to have some cash reserves so as not to ruin their investment plan.
We never know when we will need emergency funds, so it is better to set aside some of our income for emergency funds rather than putting it all into investment funds. I think that is the recommended investment approach, it is up to others how they do it that they think is safe.