Investing without discretionary income is simply a ticking time bomb. This is because if you invest money that is not truly discretionary, you may end up needing it back in the short term. And if the market happens to be down when that moment of need comes, one will be forced to sell part of his/her holdin at a loss, thereby sabotaging his/her Bitcoin accumulation plan.


When it comes to Bitcoin accumulation, the idea of having a safety net is very important . The safety net here entails making sure you have enough discretionary income to invest while also keeping an emergency funds, so that one avoid putting him/herself in a situation where you have to liquidate your Bitcoin holding just to deal with emergency situations.  The combination of steady discretionary income and then an emergency funds is very useful and important coz it keeps your buyin and holding through all market cycles, which is simply the necessity of a succesful accumulation.