Talking about this your statement here, I don't necessarily think that you must be solid financially before you can start investing in Bitcoin, once you have a discretionary income that will enable you to invest in Bitcoin consistently, you are good to go, along the line you can be working on your finances to make it more stable and reliable, but waiting to build a solid foundation financially first before starting is another way to delay your Bitcoin investment journey.
If a person does not have a discretionary income, he will never be financially strong. A person is financially prosperous only when he has a discretionary income. Because then he can do anything to gain financial security in the future by using that income. He can become more financially independent by creating an emergency fund with the money from that discretionary income, creating different funds to meet his financial needs in retirement, and investing in different fields, etc.
If I talk about investing in Bitcoin separately, then this too will help him meet his future economic deficit, i.e. to eliminate the financial problems when he does not have an income. If he invests in Bitcoin now, then he will get the maximum advantage in eliminating financial problems later. As you meant, if someone is not financially stable, i.e. if someone does not have an emergency fund along with discretionary income, then he will not be able to prolong his investment. That is absolutely correct. To prolong investment, we need to invest with all the money that we could have managed our life even if we did not have it in our life. That is why investors are advised to invest in Bitcoin using the DCA method using discretionary income, because in this case, the investor is using money that he could have spent his life without.