If you have a discretionary income, there is no obstacle to investing in Bitcoin with that money. It will not be easy for those who learn about Bitcoin and are encouraged to invest in it for the long term. Because they will not be able to maintain that investment. Discretionary income should be used in investing in Bitcoin. In this way, an investor can deposit Bitcoin for the long term. However, he must also keep at least 3 months of expenses as a reserve fund so that he can hold his Bitcoin despite any unexpected events. It will be easy for those who plan for the long term if they are well aware of these two issues.
The fund reserved for unexpected events may be an emergency fund. A reserve fund is not created for unexpected emergencies, but rather to purchase your essential items or bear major expenses. However, we must not spend much time behind the name of the fund and get busy building the necessary funds if you are already involved in investing. You may have enough of three funds to sustain your investment. Among them, the emergency fund may be mandatory. You should consider your financial situation in building the remaining two funds, the reserve fund and sufficient cash flow.
If you are not financially well-off and these funds are formed from discretionary income, then you can take your own decisions regarding these funds. However, along with the emergency fund, the reserve fund and cash flow will help your investment journey to be smoother and longer.