I don't think it's usually a matter of discipline in today's economy. More and more people keep having 0 money to save or invest after their basic expenses for the month.
So is it a matter of discipline? The devaluation in the economy is reflected in income also not being enough. So what is there to secure then. It's like the economy wants us to remain alive only for working.
The same thing is happening down here in my country. The rate of inflation is increasing everyday and government workers are paid the same minimum wage. How do you expect them to be able to take care of their basic needs and monthly expenses and still have extra. Majority of people in the middle class are poor currently. There is nothing like middle class any more in my country. It's either you are rich or poor.
I feel that one needs to think out of the box and set up a business especially, selling of essential commodity that can give you daily income whenever, you're opportune. From there, you can be investing little amount of money from your profits into bitcoin and face whatever challenges that comes out from your job.