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.
Wetin you talk no be lie at all, but then again, that 30% na initially for discretionary spending, which is money wey you no really plan to use or money wey no enter budget, so e fit enter for other petty stuffs too, like loan repayment, settling some kyn stuffs wey you been forget to settle and other stuffs, but in the absence of these stuffs and also depending on your financial situation, you fit choose to dey over aggressive and then put the whole of the 30% (if you know say e no go worry you last las), this one sha no supposed worry too much since you don already allocate funds for other important stuffs too. But last last e still depends on the individual wey dey do the investment, everybody cash flow and income no be the same and na so these kyn decisions too go dey different.