I see that you are still making this mistake again. I know that guys are still misunderstanding the concept of discretion and reserved fund. I see a lot of mistake in this thread even though no body corrected you in the aspect of 50/30/20 allocation.

Now bear it in mind that discretion income is a fund at your disposal,  which signifies a fund that comes from any source of income to be used by you. From this discretion or disposable income you map out for family expenses, reserved fund, emergency fund and still the left over of that discretion wil be used to invest into Bitcoin. That is why they often said you invest from your discretion. Then the reserved fund now can be used to invest into Bitcoin in the absence of discretion fund.


This could only be the way I can describe it in my own understanding