Your statement is correct, I really think the most important thing when considering investing in bitcoin is first of all having a discretionary income to invest with using the DCA Method could actually help us to invest and accumulate more on a regular basis depending on our discretionary income, definitely we might have some challenges financially so it might not be a guarantee that even if we are able to accumulate every week with a specific amount we might still face some challenges with our portfolio.
The main reason why discretionary income is important if you are opting for DCA is that for DCA we need an amount that can be large or big but we have to make sure that this amount is available every week for investing in Bitcoin.
It's not compulsory for you to have a big discretionary income before you can start your bitcoin investment and DCA. As little as $10 is enough for a new investor to start his bitcoin investment immediately provided that it's from his discretionary income. You cannot keep waiting to have a large discretionary income and remain a no coiner when you can start with the little discretionary income that is available.
The most important thing is not about the size of your discretionary income but it's about your consistency and persistency of ongoing bitcoin accumulation for 4-10 years and above that matters a lot. If you have started your bitcoin investment, you can look for a way to improve your income and increase your weekly DCA amount.
If you have a lot of discretionary income then a large Bitcoin deposit is a great way to grow your holdings. Lump sum Bitcoin investment can give an investor to hold additional Bitcoin during the DCA strategy.
Of course, an investor with a large discretionary income has the flexibility to lump sum/front load his bitcoin investment in a start or whenever he wants to increase the size of his bitcoin investment in a fast pace. However, an investor with a small discretionary income use money that he gets from bonus at work, travelling allowance, as gifts in events to lump sum since he is not expecting it and has no plan for it. He can use the whole of it to lumpsum right away or part of it.