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.
I think today is different from the last past years and many are searching for the job but many countries need no more employees because electricity costs are very high and these people are facing trouble to get job is best companies. People who have skills they are earning good in the villages, town or city and many people have no earning because they have no skills but they have useless degrees. They have no money to survive in the area in which they are living, so where they will invest. They will invest if they have more money to invest. Person should be aware of Bitcoin and cryptocurrency if he is living in that era and he should invest if he has 10$ to invest because these dollars will be safe and give profit at right time when market has good situation.