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.
The actual fact is that for you Bitcoin investment to be successful, you don't invest all your discretionary income, because it's through that discretionary income you remove your emergency funds and reserve funds, anything that makes you invest all your discretionary income, you are putting your Bitcoin investment at risk, because it will be just a matter of time before you falls back to your holdings to address some financial needs, but if your emergency and reserve funds are there, you wouldn't even contemplate on tempering with your Bitcoin investment, so in essence of what am trying to say is that all our discretionary income is not meant for investment in Bitcoin, some part of it are used to put an emergency funds and reserve funds in place, so in case you have any significant emergency situation in the future.
I disagree with you dude, our emergency and reserve funds doesn't come from or is not gotten from our discretionary rather it is also part of the money that an investor split while making budget of everything from his or her income. Therefore, discretionary is a separate money on its own that its purpose is for accumulating Bitcoin to increase our portfolio while that of emergency and reserve are also separate money that is used majorly for a specific task, because each of this money has specific activity they are to be used for and if peradventure any of these funds is not used accordingly, it can result to so many things depending.