Pardon my ignorance, but what is the difference between discretionary funds and income.
The difference between discretionary fund and discretionary income is clear. Discretionary fund is a money allocated or budgeted for something that is not really necessary or investment, it's just a fund for hanging out with friends to have fun, or a money for dinning out, or a money for travels, while discretionary income is a leftover money after you must have settled your basic needs and expenses either for the week or for the month. And your Discretionary income is the money you will use to invest in bitcoin and to build your emergency fund and backup fund.
The funds left over after meeting the daily needs of the family are discretionary income. Most people do not use this fund properly because most of them waste money by spending it with friends and gambling or on other unnecessary sectors. If you cannot properly use your physical health you are a foolish because you can be work hard for a certain period of time, and beyond that age, you cannot earn, even if you want or your employer will not give you a job. You should try to be financially capable within the age when you are physically able to work and continue to accumulation Bitcoin regularly until retirement.
You will see examples of some smart investors who ensure proper use of time and accumulating Bitcoin according to their ability. They start with any amount of discretionary income and along with that, they continue to learn more about Bitcoin. By accumulating Bitcoin as a beginner you can develop the right investment strategy, skills and long term Bitcoin holding. Long term Bitcoin strategy.