Investing in bitcoin when one is not financially stable will definitely make the investment to be stressful since the cashflow will be affected by unstable income and hence discretionary income.
Investing when you're not financially stable can only be problematic if you're attempting to buy aggressively when you don't have enough discretionary funds, because some day your discretionary fund can run dry, Then you will still have to look for a way to build it back. those who are not financially balance should be focusing on the ongoing buying of bitcoin with a certain amount, this way you won't undergo any stress or being affected.
However, an investor can decide to invest in bitcoin while working towards stabilising his source of income.
Yeah, the most important thing is getting started because with time you will get to a stage where you will have to balance everything and even load your discretionary income to enable you apply some aggressiveness.