This is why newbies are advised not to start building an emergency funds first before they later accumulate bitcoin because they don't have any bitcoin to backup with the emergency funds. Starting right away with your discretionary income is good and start building your emergency funds as you have started for backup to your bitcoin investment.
The thing about this is that, like all humans, we don't know when we'll have an emergency, which doesn't stop us from continuing to Accumulate as much as we can, As long as we're well and don't need to spend the money we're investing, then everything's fine, The job would be just to accumulate and keep track. Sometimes we have to be prepared for any eventuality.
Furthermore, having a source of income does not mean that someone is balance to invest in Bitcoin. Some people have a job, yet they don’t have anything left after paying for their other needs. Which is why it's important to balance your life first; if you're not financially stable, avoid rushing into Bitcoin. Because some people might end up selling at a loss or at the wrong time. Make sure we don’t joke with our other needs before investing.
You're right about that People who don't have enough money to buy BTC shouldn't panic or beat their chests There are times when you can't That's happened to me a lot, and even BTC has gone down an ideal scenario to buy but I haven't been able to.
The good thing is that there are always opportunities to buy when you can Sometimes the DCA method is the best solution, but before doing so, we must consider our financial capacity and when we can't, we should reschedule the purchase option.