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The most important thing to consider before an investor will start accumulating bitcoin is whether they have discretionary income and not a stable source of income.once we have left over cash after sorting out our expenses then we in best position to invest in bitcoin. having a stable source of income doesn't necessarily mean that one have discretionary income because our expenses differ. there are people who after sorting out there expenses are left with no extra cash that is discretionary income. Also not having a stable source of income doesn't mean that the person doesn't have a source of income , and investor can be working on stabilising his source of income and the same time while still accumulating bitcoin so long as the needed discretionary income is there for the investor to invest with.
You both are making a good points but you don't seem to understand what he's saying, he's not writing off the discretionary income nor saying it's not important for Bitcoin investment, what he's trying to say is that a stable income is also important since it makes up the discretionary income and it makes lot of sense, the discretionary income is a simply a spare cash that can be used to tackle other bills after spending on your essentials so if there's no stable income where one could generate the discretionary funds from it could affect the person's portfolio cause they'll be forced to sale when their spare funds is finished and there's no means of generating another one, that's why they're both important (Stable income and discretionary funds) when it comes to Bitcoin investment.