You are right dude ,Having a stable income does not guarantee the ability to invest if all the cash is tied up in necessary expenses , discretionary income truly is the key factor because it is the extra money that allows you to take financial risk or build assets like Bitcoin. it also makes the i deal of starting small much more accessible , even if the income is not stable as long as you have some discretionary funds you can begin accumulating
You have a good point here man, discretionary income is what's needed to invest in bitcoin, so having a stable income guarantee's nothing, because their are so many folks out there that has a stable source of income but still can't figure out their discretionary income, so just as you have said already, once an investor can sort out his discretionary income, he is good to go because that's what more important.
Then if you don't have a stable income, where will you sort out your discretionary income from? Having a stable income is a big advantage for someone who wants to start his/her bitcoin investment because he/she is sure of a discretionary income that he/she will use to accumulate bitcoin. But if you have a stable income that doesn't give you discretionary income after you have solved your weekly or monthly expenses, and you really want to invest in Bitcoin, you have to make some adjustments in your expenses so that you can have discretionary income that you will use to invest in bitcoin.