before you can buy or invest in Bitcoin you must have a discretionary income and this discretionary income is fund if you lose will not affect you much and which Bitcoin is beyond you lose all your money that you investment, since you have a steady cashflow you will always have plans for yourself outside Bitcoin investments, and which the same thing you should do when it comes to Bitcoin investments to avoid touching your holding incase if unforeseen circumstances occur you can make use of the emergency
I get your point but discretionary income isn't necessarily money you can afford to lose without it affecting you. It's just funds you could use anytime for anything without sourcing them elsewhere.
You don't necessarily need this discretionary income before starting, It is something you could build along with your investment.
Also I don't think the OP mentioned 'cash flow' and I believe you meant steady income.
I know it's important but if someone lacks one they can still start with the little they have or can afford to invest. Then they could try other measures like getting a new job instead of waiting until they get one.
coinlary I think you are confusing yourself here, you actually need discretionary income before you can start your Bitcoin investment and again you don't build Discretionary income is just there as long as you earn income except your basic bills or needs are bigger than the money or income you are earning.
It is actually clear you don't understand what discretionary income is all about, let me explain Discretionary income is the money you have left after paying for all your essential expenses like food, rent, water, cloth, electricity etc. Now discretionary income is that amount you can spend on non-essentials like entertainment, vacations, investment, party etc. Not that this non-essentials mentioned are not important in our life but they are not basic needs, and so we use only our Discretionary income to sort them out in other to prevent falling into a financial problem.