When you are using only your discretionary income to invest in Bitcoin it means you are investing with peace of mind. Even if Bitcoin falls, your life, bills, and responsibilities stay safe and intact, so use only your Discretionary income for Bitcoin investment or accumulation.
Discretionary income really save an investors a lot of things, from physical to emotional stuffs that can really affect him while investing in Bitcoin. Using discretionary income would help to minimize or stop the occurrence of the above listed points you’ve given out. Those that make use of discretionary income for investment are the happiest and less worried investors because they’ll only see their investment there as another disposable expense that the outcome won’t really matter to them. They go with the flow and become happy if they profit and still goes on if they don’t profit .
Your discretionary income is that extra money that you don't have plans for after you must have taken care you your basic needs and monthly expenses. Some people use their extra money to gamble, club, drink, womanize and many more but it's wise for you not to use this funds for consumption purpose. Rather, invest it into bitcoin and save the value of your funds for the future.
Discretionary income can be used for anything, it doesn’t have to be Bitcoin investment but if it’s invested into Bitcoin, it would be better because of the future prospect of Bitcoin and the chance for profitability in the future. Discretionary income are not spent wisely by many people and that’s why it is suggested that when invested in Bitcoin, it would have accumulate profits overtime instead of spending it on what is not profiting and just eat up your money at a go.