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.
Without your discretionary income any investment made outside this can be considered as gambling so saying am investor doesn't necessarily need discretionary income to get started is a wrong information and can lead so many astray, from your statement i noticed you don't understand what is discretionary income and emergency fund as you are mistaken emergency fund for discretionary income for it is emergency fund you can build along your accumulation process or after getting started already using your discretionary income, as an investor going into bitcoin investment you necessarily need discretionary income to get started since it serves as what you can afford to loss, your leftover fund after sorting out all important needs.
So saying one don't necessarily need discretionary income to get started can be misleading.