I dont disagree that discretionary income is the starting point for an investor who is planning to have the most suitable accumulation plan. Most people get it wrong when it comes to accumulating. Its not really about wanting to buy bitcoin its all about being able to buy with the money we earn monthly or whichever way. No excuse to anyone who dont want to start accumulating especially if they are members of the forum. I have read from some members how they managed to stack $10/weekly into their portfolio, and they have been doing it for a very long time now. Yet, there are many loudmouths who will only start discussing about the price and how they wished they bought only when the price started to going up.
The truth is, whether we are rich or poor, most persons are not being honest with themselves on what should come first in their life. I call it misplaced priorities. They lament they cant buy bitcoin but yet they can afford drinks, netlfix, mariujuana and yeah, I am not about what they do with their discretionary income. All am concerned about is that, if they are sincere they want to hold bitcoin they need to know what comes first.
Regardless of what the options are they all refer to the same thing where we have to work or start something to earn money not so it doesn't really matter whether we should say this is from discretionary income or collection from each month it all refers to the same thing.
Actually things like this do not need to be debated because after all the goal remains the same, this is the same as debating when we buy through DCA, Buy dip or lump sum which actually leads to the same goal but is always debated which method is the best even though in this condition it is just a kind of strategy because the goal remains the same to buy for long-term bitcoin.
All have their own strategies and methods regardless of whether we make discretionary income or look for other things such as additional income or other things because it depends on our own conditions and readiness. The most important thing is how we can make our plans actually happen because debating something that is actually the same goal for me will only make it seem as if we are right and others are wrong or vice versa even though we and others are on the same path it's just a different way.