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.
When it comes to accumulating bitcoin, it is impossible for everyone to accumulate the same percentage without stress. We have different amounts of income and different amounts of responsibility. It is important for everyone to understand their limit on how much they can accumulate without stressing themselves. If you try to accumulate like someone else, there is a chance that due to the load, the investment may not be a successful one. Invest what you can afford; that is the essence of using the DCA strategy in investing in bitcoin.
Even if one invests with a lower amount, as long as you are consistent in accumulating bitcoin, it is very possible to accumulate a reasonable amount of bitcoin at the end of the day.