I think one have to build his or her income before thinking of discretionary income, it's after you have different streams of income that is when you will have a stable income and then discretionary income follow suit, that is when an investor can invest his or her income wisely
Don't you think that by trying to build your income first before investing in Bitcoin you might not be able to invest in Bitcoin now that it's still very cheap?
because you don't have to be perfect financially to start, once you have the basic knowledge on Bitcoin and how to accumulate and your discretionary income is available, bro you are good to go, along the line you might decides to start working on ways to improve your finances the more so that your discretionary income can be a lot bigger, but trying to build your finances first before thinking of investing in Bitcoin is a very wrong approach that might makes you not to invest in it at all, because you might not have all you wish for
in the end, wish might discourage you in taking the bold step in starting your accumulation journey
due to wasted time of not starting now.