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Does it mean that if we invest all our discretionary income that is a bad choice of investing in Bitcoin, honestly speaking I don't think there is anything wrong if we choose to invest all our discretionary income into Bitcoin, considering that out discretionary income is money left over from our income after paying our expenses, Well I know sometimes life is unpredictable and we could make mistakes investing from our income which is meant for expenses, that is where we could fall into some trouble.
Perhaps what if an investor have a good financial management with an emergency funds and a reserved funds to help In sustaining your investment. Sometimes most folks would want to accumulate more aggressively, should that be discouraged as well because most guys would want to accumulate aggressive with all there discretionary funds, I absolutely think that investing in Bitcoin with all your discretionary income wouldn't be catastrophic considering that an investor have a good financial management. Talking about emergency funds which is meant for emergency situations we cannot dispute the fact that situation were we would attempt to use them wouldn't arise, and we also have reserved funds to also help for circumstances were you could imagine we have to access this funds, a good financial plans and management is important to sustain this situations
It seems that you either don't understand the real meaning of a discretionary income or you are mixing up things. Discretionary income has to do with the money left after attending to your basic needs or responsibilities. It is whole. This money is the one left after buying food stuffs, paying off your light bills, water bills environmental services and children's or family requirements for the period upon reception of your paycheck. Out of the discretionary income comes the emergency funds and back up funds. If you understand that emergency funds and back up funds come out from your discretionary income then you would not say that.
Investing all your discretionary income would leave you with no back up funds and emergency funds which indirectly exposes your bitcoin stash to possible premature sales when nature hits. Emergencies like health challenge and natural disasters don't announce a date, it happens. So it is advised that you only invest a percentage of your Discretionary income into bitcoin so that some percentage can be used to fortify your emergency funds and back up funds in order to be able to hold for long. Investing aggressively does not imply that you have to invest all your discretionary income or invest with your emergency funds. This is because if you intend to hold for a period of 4 to 10 years, then you must be financially knowledgeable to understand how not to invest beyond your capacity.