To maintain investment consistency, I recommend a strategy that is very realistic for an investor to follow, such as if your discretionary income is 5% of your total income, then it can be considered very simple to allocate 4% of it to Bitcoin accumulation and the remaining 1% to an emergency fund. Therefore you can cycle for four years but even if it is not a decent holding for you, it will become a great habit to hold Bitcoin and will encourage you to cycle more.
I agree with you here, most people think they have to pour their entire discretionary funds into bitcoin investment, they forget that saving is a way to ensure that they don't get caught up in some kind of a financial crisis later in their investment journey, any smart investor should know to not invest with all their discretionary funds but to instead keep a certain percentage of it for a range of other purposes (emergency situation) this way they can relatively handle unexpected events that come up, sometimes our insurance aren't paid in time and we don't usually have the luxury of waiting for it, situations like this are remedied by our emergency or backup funds until insurance is cleared.
Investors need to understand that keeping some money aside from their discretionary funds is one way to safeguard their bitcoin investment.
Discretionary funds goes beyond emergency funds and Bitcoin investment, it includes miscellaneous expenses and savings for short term projects like buying a new TV. It is not necessary that most of the money in your discretionary funds should be channelled to accumulating Bitcoin and a little percentage left for emergency funds. I believe that everybody should be at liberty to choose how they allocate their discretionary funds depending on the importance of their needs.
Personally I put Bitcoin accumulation as a priority in my discretionary funds but I cannot afford to be using 80% of it to be buying Bitcoin and leaving 20% for emergency funds. Maybe it works for some people but we shouldn't use it as a benchmark for everything that we can use discretionary funds for. This is because I have personal needs that falls into the discretionary funds like giving my family treats sometimes, making plans to spend on something that is important to me but not urgent.