I get your point but I wish I know the country you identify with because in my country, where minimum wage isn’t enough to take you through the month, how then do you expect to have 50% of your earning kept as discretionary funds?
Well, discretionary funds are funds that are not met for specific purposes according to meta AI and over the years, in as much as I want to invest in bitcoin, I still try not to get pressure by what people say online because in real life, it might not just be same as what is said online and since I already know, life has no perfect manual, we just ride and hope for the best.
Now back to issues of health, there might be cases, where health challenges this time isn’t minor and rather critical and maybe you have some funds in your wallet, will you still have to prove and claim to be a holder when you can still sell and take care of yourself?(there is a saying that, when there’s health, there’s wealth).
I’m a typical fan of holding and investing, but my point is that, we should know when to sell and sell for the right purpose.
First off, this is the Nigeria local board so automatically we're both from same country, also remember that I stated that your discretionary funds maybe be 40, 50%
or even lessereveryone's discretionary can't be same cause we all can't be on the same level financially so bitcoin investment is done according to your discretionary and the percentage of your discretionary is according to your income, therefore everyone's discretionary mustn't be 50%.
Through the DCA, bitcoin has enabled all class of earners the opportunity to invest, so whether you're poor middle class or rich you have the opportunity to invest om it according to your income and the amount you can spare for discretionary, moreover don't forget that it's a choice and if you feel your income won't allow you invest and tackle other necessary requirements then don't do it till when you're ready.
Talking about health challenges, your emergency funds serve that purpose and not your investment cause the investment is for the future therefore you should have am emergency fund intact that would serve during critical situations like that.