You can easily just stick to the DCA strategy of investment, seeing you have a lot of family responsibilities and other bills to look out for. Investment in Bitcoin isn't a do or die affair, the most important thing to understand it and the cryptocurrencies market and then know how to use the information to your advantage either by making payments for purchases or receiving payments via the block chain network  or for savings to achieve a future goal, the knowledge of Bitcoin and cryptocurrencies network in this day and age, is a plus for many reasons I can't possibly state.