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Many times folks confuse how much to invest with whether to invest, and surely many of us who have been in bitcoin for longer periods of time will error on the side of suggesting that folks should get into bitcoin... in fact anyone with a discretionary income should get into bitcoin, yet they still need to determine how much to invest into bitcoin and what frequentcy as suitable for their own circumstances.You are very correct. So many prospective investors confuse when to invest with what to invest (How much). Some folks scare away from bitcoin investment not because they wouldn't want to be there but because they feel they don't have enough money to buy a whole bitcoin. I met a friend who was looking forward to invest in bitcoin but couldn't buy because he heard that bitcoin is over $110k. When I realised his draw back, I had to explain to him that he can start with any amount and only buy a fraction of the bitcoin gradually until he can possibly own one bitcoin. He rejoiced and proceeded to invest the much money he could.
Having a discretionary income just like @Jqyjuangee has pointed out is the basic first step of which anyone that earns money would possibly have either monthly, weekly or daily. This makes up your DCA practice and you can invest without minding what price is bitcoin.
Ignorance is an issue of which we should introduce bitcoin properly to any newbie so that he wouldn't see bitcoin as a get-rich-soon scheme in order to make the best outcome from bitcoin.
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You don't always need to be financially prepared to invest into Bitcoin. All you need is to invest from your discretion fund, if you are waiting to be financially prepared or stable to invest, then you may never invest because if we don't creat opportunity to invest we may turn a no coiner because there are a lot of problem to settle and it may not occur to us that Bitcoin is important. But if we invest as little as we can, we may as well be doing other things while life keep going only to realize that we have acculated a sizable amount in due time.
Secondly Bitcoin price fluctuation does not affect Holders but only traders. You can not be a HODLer and thesame time be having the mindset of a trader except you are a trader.
There are many bitcoin Traders who also see them selves and bitcoin HODLers. They usually follow the chart and wait for any slight favourable market opportunities to sell of their bitcoin. Such people don't buy always. They mostly by at dips and claim to be HODLing while also willing to sell off when they are satisfied with the profits they've made.
Again, I don't totally agree with you when you said that one doesn't need to be financially prepared to invest in bitcoin. Not being financially prepared could cause premature sales at any point in time when nature hits. "Being financially prepared" entails you've sorted your basic responsibilities and that you also have some emergency funds to backup your bitcoin stash. If you don't consider this factors you may still become a no coiner in a short time and you may even run at loss.