Part of the reason that I made that distinction is because members keep suggesting (or claiming) that newbie investors into bitcoin need to have a regular income in order to start investing into bitcoin, and that is not true.
All they need is discretionary funds.. which means that it is funds that are extra after they have accounted for their expenses.
The only difference with my use of the term "income" is to suggest that there is a steady flow of discretionary income every week or every month, and in order to invest into bitcoin you do not need a steady flow of income.
You just need discretionary funds at the time that you buy. So for example, if you have an extra $10 and you were considering buying a pack of cigarettes, but instead you decided to skip the pack of cigarettes and to buy bitcoin with that $10. That $10 is discretionary money since you had the option to buy cigarettes or to buy bitcoin with it. In this example, you chose to buy bitcoin.
By the way, a person will be better off if he has a discretionary income so then he can buy bitcoin on a regular basis, such as weekly. But it is not necessary to have such steady income to get started. The income can be erratic and irregular, yet whenever the guy has some discretionary funds, meaning money that is left over after he has accounted for his expenses, then he can choose to buy bitcoin with that.. or he can choose to buy cigarettes or anything else that he wants (which is the meaning of discretionary).
You are really on point and i also share the same sentiment here sir, because their are some guys I know that doesn't always have a discretionary income, but anytime they have a discretionary funds from contract they won, they invest from it, sometimes it takes them five weeks to have another discretionary fund, sometimes six to seven weeks, but the key thing is that they never fail to invest anytime their discretionary income is available, so it all boils down to the investors will, if he is thinking long term and willing to accumulate consistently once he has a discretionary funds, so you are spot on when you said that discretionary income on a regular basis is for continuity, while discretionary funds is what's needed that particular time you want to invest.