I agree with you investing 70% of discretionary income is not wise enough it will have effect on your emergency fund and backup fund remember we are investing in bitcoin for long term 5 to 10 or longer which is not an easy tax, so if you centralize your focus on only accumulating bitcoin without focusing on building your emergency fund and backup fund too, because if emergency arise and you don't have enough emergency fund or back up fund to handle that emergency it will have effect on your bitcoin investment, so in my own opinion I we suggest that the person should invest 50% in bitcoin, then allocate 30% to his or her emergency fund, and then allocate 20% to his or her back up fund by doing this the equation is balance, because if you are investing 50% of your discretionary income in bitcoin that is your level of aggressiveness.