Normally as a newbie who is just getting started with bitcoin you must panic at first stage which is normal, but The truth is when you accumulate bitcoin with your leftover money (discretionary income) you will feel more relaxed and there will be less panic in your bitcoin investment journey as a newbie, so newbies should take note of this for smooth running of their bitcoin investment and to avoid selling of their bitcoin investment at early stage of accumulation. Just as we all know bitcoin is a volatile asset it can fluctuate dramatically, so when you accumulate it with the money you are comfortable losing it will help you more to hold your bitcoin investment for longer term, let's say 4 to 10 years or more to enable you make reasonable profit in return.
You can use your fund for investment and it's hard to control your emotion if you don't have proper research, learning and knowledge about Bitcoin from technical fundamentals to its market history. With whatever kind of investment capital, even you said it is from discretionary income, your emotion can be uncertain and you will be easily panic if you lack of knowledge and experience in this market.
Newbies need to learn first before investing, then they need a lot of time for experience in the market in order to become non-affected by market volatility as well as FUD attacks in the market over time.