My example is largely to show that a guy might have a lot of things going on that causes him inabilities to have any assurances regarding the steadiness of his income, but he can still determine that he has enough discretionary funds in which he can choose to buy bitcoin with some of those discretionary funds, whether he continues at $100 per week or some other amount that he might consider to be adjustments to his weekly buys based on ongoing changes in his income and/or expenses situation.
Another example, might involve a guy who uses debt to help to smooth over his cash flow circumstances, and he might use some of the debt to buy bitcoin and other parts to increase his future income earning potentials. There can be good uses of debt, even though complicated, but if the terms of the debt are reasonably good, the guy could embark on using debt to bolster his finances and to get him through transitionary periods, and he may well even have ways to pay the debt that are based on future income that might not yet be established but he already has various ideas about where he might be able to get future income based on whatever he has going on or maybe some doors he considers that the capital might help him to open.
The scenarios you gave really did justice to your assertion that it's possible to have a discretionary fund and thus still continue to accumulate Bitcoin even without a stable income. I carefully read through every paragraph, and although I read to a point that almost conflicted with my perspective about not investing with one's backup funds, because from your scenario you suggested that in a situation where an individual losses his job and has no more income coming in, they'll live off of their emergency fund, and also get a discretionary income from the same emergency fund which of course makes more sense now because losing one's job is an actual emergency, and surely one can live off of their emergency fund until they get another job or called back to their previous job. And I love the fact that you also mentioned that it's entirely an individual decision to continue accumulating Bitcoin at this point, even though it is very possible to have a discretionary fund and thus, still continue Investing in Bitcoin.
And then I have just one question, or maybe a scenario that I'll need to be clarified on.
A situation where an investor has successfully accumulated enough emergency fund, let's say 3-4 months of their living expenses, and then they lose their current job and starts living off of their emergency fund and of course continued Investing in Bitcoin, while they hunt for another job, and then unfortunately they exhausted their emergency fund, even though they managed to cut down their expenses to the minimal, because surely there are countries, especially the third world countries that have not too many job opportunities and thus folk happen to be in one of this country and he's unable to secure another job for the next 4 to 5 months, or let's assume a dispute broke out in that country that led to war and it affected the country's economy and job market, thereby making it even more difficult and challenging for the individual to secure a new employment. In such scenario, what would be the next step to take, giving that their emergency and other backup funds have completely dried up leaving him with his Bitcoin investment which is is determined never to touch.