Newbies are ignorant and sometimes barely know the right things to do concerning Bitcoin investment, i said that because it's only ignorance that would make people who call themselves investors use funds outside their discretionary funds to invest on Bitcoin, they might think it's for a good course but on the long run they'll still have to temper with their portfolio since they'll still need to settle daily needs.
One don't have to be too greedy to the point that they'll use funds asides their discretionary for investment, so far you're doing the DCA you'll definitely meet your target as far as you're consistent, real investors would know the right funds to use for investment.
Newbies become ignorant the moment they stop learning more about Bitcoin. The majority of them make the mistake of using money outside their discretionary income to invest, and when they are facing some financial problems, they are forced to sell even at a lower price because they have no other choice at that moment. The lack of learning always leads to challenges and affects their investment journey.
The main problem with many newbies is that they fail to learn from successful investors. They don’t ask themselves how long-term holders manage to keep their Bitcoin untouched for years while they are still able to solve their daily needs. When newbies fail to learn, they miss out the plans and methods that lead to success.
Sure, using the DCA method with discretionary income allows an investor to meet their target. There is no point in using money meant for other needs to invest, if you run out of cash to continue accumulating, it’s perfectly fine to stop and then continue once you are more financially stable. That is one of the main benefits of the DCA method, it allows you to hold your investment for a long time.