It's unwise to invest in Bitcoin with our savings because that's not the right way to go about Bitcoin investment and any investor who indulge in such practice won't last long in Bitcoin investment since there's a big possibility we will use the money meant for our expenses to invest in Bitcoin, and when it's time for us to solve our expenses, we won't have enough money to take care of our expenses and we will completely depend on our Bitcoin investment to sort ourselves out. It's always wise we invest in Bitcoin with our discretionary income so that we will always be fit to solve our expenses, and it will help us to remain in the game for a very long time.
I agree with you but Investing with discretionary income won't help us to be fit to solve our problem and if I may ask what problem are you talking about? Do you mean financial problem? If you are referring to financial problem then our discretionary won't or can not help us to solve it because our discretionary is only meant for buying or accumulating Bitcoin in order to grow our portfolio. What will help us as an investor to be fit to solve problems is our emergency funds, because after discretionary funds comes emergency funds because that is what we need to offset any problem that will rise or come up and so it is very necessary for an Investor to always have an emergency funds and not just an emergency funds but a good one.
You seem to think that discretionary income and emergency funds are widely different, you emergency funds comes from your discretionary income the same way your investment comes from it as well, discretionary income isn't necessarily meant only for investment, the amount of discretionary income you decide to use to invest depends on how aggressively you want to buy bitcoin and after investing you can always put what's left from your discretionary income into your emergency funds, this is because an emergency fund isn't a part of your daily, weekly or monthly necessity, so you can only save for emergencies after you have taken care of what's necessary and once you have taken care of what's necessary you are left with your discretionary income which you then split between investing in bitcoin and saving up for emergency. Also, you don't save up for emergency indefinitely, after saving up for a few months worth of emergency funds you can decide to put the rest of your discretionary income into building up your portfolio and you can rise from investing on a medium level to becoming an aggressive investor, you should know that buying aggressively doesn't necessarily depend on how big your investment is compared to what others are investing but how big your investment is compared to your total discretionary income so the more of your discretionary income you invest in bitcoin the more aggressively you are buying bitcoin.