2. Bitcoin Accumulation: 30% of your income should go to your discretionary spending, you can choose to use all 30% to accumulate Bitcoin or use a lesser percentage, it's totally up to you, but note that it should be a reasonable amount.
Me I no support the idea of using all 30% for accumulating Bitcoin. Don't put yourself in a bad spot because you want to prioritize accumulating Bitcoin. Use a smaller percentage that won't make you run out of cash or get to use your emergency funds for things that aren't emergency. Plan your finances properly and allocate your funds very well. No do pass yourself. Say your friends they invest 100k monthly no go make you to dey do the same. If na 10k you fit afford and you no go broker, they run am like that and soonest you go done accumulate some decent amount of Bitcoin.