Many folks end up figuring out how much they can invest on a regular basis (perhaps weekly?) and then just investing and building their bitcoin position over time, and it tends to take a decent amount of time to build up an investment so that later down the road the benefits of all that hard work, dedication and delayed gratification might have good chances of improving the guy's situation, even though such guarantee of improvement was not and is not present.
Some persons don't want to just start that has been a big problem but they are evenly ready to complain and feel bad when they see bitcoin price hit higher than it was when they were supposed to invest, trying to work out modalities on how to invest in bitcoin in whichever way that suits us individually has always been the backbone of many bitcoin investors, some bitcoiners has learnt how to initiate the habit of talkless and do more, it is not all about how much we have rather it is about figuring out our discretionary income on daily, weekly and monthly based whichver way we chose so that we can invest with it smartly and much more consistently.
No one wants to lose money, so sometimes it can be difficult to figure out an amount of money that is not going to cause the newbie bitcoin investor to get nervous while they are still studying bitcoin, whether that is $100 per week, $10 per week or some other amount that is going to be suitable for them to get started and to have some stake in the game but also to facilitate their continuing to learn whatever it is that they need to learn, and most likely the most important things to learn in the beginning relates to how much of a budget that they can dedicate to their early bitcoin buys, how are they going to source their bitcoin and then at some point they are likely going to need to figure out self-storage too, especially once their bitcoin starts to grow to higher amounts that might not be comfortable keeping with third-party exchanges (and there are a variety of reasons to at least keep some of their holdings in self-storage).
So maybe in the very beginning they have most of their bitcoin on exchanges - where-ever they got their coins, yet if they bought directly from someone else, they likely would have had needed to set up some kind of a private wallet.
I have realized that some people are not ready to make sacrifice for the future, they are always concerned about the present there by forgetting to work or lay foundation for the future, even when they have the finances to do so, bitcoin investment is a thing of the mind, even though are not sure of what's about to come in the future, history has given us hope that there will be light at the end of the tunnel.
There is a good practice of trying to save/invest around 10% or perhaps even more for the future, yet there are so many folks who have fallen out of such a habit since for 15 years or more interest rates for savings accounts have continued to come down, and there have frequently been dynamics worse in some countries as compared with other countries in which currencies don't hold value so there are incentives to spend it - especially since there is no place to put it, especially if we are talking about only around 10% or so of the income..
So bitcoin does give a place for people to put 10% or more of their income, yet they still have troubles figuring out some ways to be comfortable that they are not going to lose the value by putting it into bitcoin. No one wants to seem like a loonie.. and they prefer safe places to put their money and where they perceive that it is not going to lose value... They also have trouble thinking 4-10 years or more into the future so that they can save/invest for 4-10 years into the future with something like bitcoin. Normie newbies have mental hurdles to overcome if they are going to invest or save into bitcoin.