Well I must say you said a whole lot of things that makes sense, You question is quite simple and I believe you've answered it from your references, for someone who wants to invest in Bitcoin it is more ideal to start when you have a discretionary funds, that is when you should not hesitate to do so as well, Sometimes it's funny to me when people say you require a stable source of income to invest in Bitcoin, but you really don't need a stable source of income but a discretionary funds to invest, because at some point you have a stable source of income but you don't have a discretionary income how do you invest. But there are investors who do not have a stable source of income but when there income come they have a discretionary funds and they can invest.
Perhaps we need a good financial management and financial plans and budget, so we can try to have a discretionary income, it might probably be that we have the money to start the investment but because of extra activities that tends to hinders us from having a discretionary funds to invest and keep accumulating that is why sometimes in most cases it makes sense to adjust our lifestyle and have a good financial management plans.
To invest, you need a source of stable income. If you have a discretionary fund, you will not be able to continue your investment. Because if you do not have a stable income, how will you meet your daily needs and how will you maintain your investment.
The main source of income of a common man who works is his job, how can he get a discretionary fund or invest with the help of a discretionary fund. Discretionary fund is for those who are in government service such as the Prime Minister of the country, they can do whatever they want with this fund. But how can a common man get a discretionary fund. For this, a common man should invest by extracting discretionary income from his stable income through proper financial management. If there is no stable income, how can a person continue their investment continuously. To invest, a discretionary income is needed on which he can continue to buy continuously by adopting the DCA method. A stable income is very necessary for an investor.