At first what is discretionary income , Discretionary income is the amount of money a person has left over after paying for essential expenses ( taken care of basic needs ) . So one using discretionary income shows that one has already taken care of expenses already , then using the remaining free funds he had left to accumulate.

But is not a fixed thing that you must invest with discretionary income only, let me give a simple explanation for instance your salary’s usually coverup most expenses then you end up making an extra funds or being gifted a certain amount of money they you will have some few expenses but you believe that your salary will handle it you can go all in with that funds ( because low key is like a discretionary _{funds like a free funds} ) saving the expenses for your salary .

 Most folks will be wondering what if I don’t have any discretionary funds to spare , you can actually reduce some expenditure creating a chance for some discretionary income, but if you see that you weren’t able to balance then I will advice you slow down on your bitcoin investment first, so that you won’t go over board using money that you will need within a short period of them leading to you messing up or tampering with your investment _{long term investment is the best so focus on funds you can actually stay without using for long}