It is very good for someone that is into bitcoin investment to use only his discretionary income to invest in Bitcoin just like you said, it's saves you from emotional stress because if you invest with money you are supposed to use to pay bills when time comes for you to settle those bills and you don't have the money to do that you will start thinking and even dipping hands into your bitcoin investment will make you also think and from there you will become very stressed out emotionally it is better to prevent it by using only your Discretionary income to invest in Bitcoin.
Some people that were investing in Bitcoin that later stop investing was because of emotional stress that comes with bitcoin investment and they had this emotional stress because they don't use only their discretionary income they use money that Is meant for important things to invest and later they start complaining.