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.
A good plan, but personally, my level of aggressiveness will always be balanced with how much of my income post each month is truly safe and not disturbed by all the noise. Btw, how will the BTC story end at the end of 2026 and this is very interesting to know because currently gold and oil are on the rise.
If you are just thinking of the short term, you may not really enjoy Bitcoin and all the promises it holds. The best way to go about Bitcoin is to think long term since no one knows what will happen in a year or just few years but we do know that if you hold between different halvings, you will likely see remarkable growth in your investment as have been shown by available record.
You can reconfigure your mindset and think towards 2032 which is over 5 years from today, while you are focusing on that time, continue buying at whatever price you see and holding. Ensure you put only your discretionary income and also keep some funds to cover for any unplanned spending while you are holding your Bitcoin, this will serve as a protection to your Bitcoin. If you do this with utmost dedication, you will be happy at the end of the period.