Will 50% of your money be enough to meet your daily needs? Or is 50% of your total income a prudent money? Are you sure that this calculation will be applicable to everyone?
50% of your money is different than 50% of another person's money as whether your social economical status is the poor, the average or the rich will decide that 50% of money is enough for daily needs or monthly bills or not.
It's not good to use any percentage like 50%, 25% or 75% of a personal finance for investment. It depends on each person's financial conditions as said, so the advice is investing with your spare money while you already reserve enough money for daily, monthly spendings and bills as well as have an emergency fund to use in accidental and unwanted time.
If you can manage your finance in general and your investment capital particularly like this, you are well to move onward with Bitcoin investment and Dollar Cost Averaging strategy for your bitcoin accumulation and holding.
I think many people may have difficulty understanding what discretionary funds are that can be used to invest in Bitcoin. That's why they make statements that may be a bit exaggerated. Basically, when investing in Bitcoin, I think what we must do and really understand is ask ourselves and calculate our income and basic needs. If, for example, after calculating everything, there's money left over that isn't being used for anything (discretionary funds), then that money can be invested in Bitcoin. I think the bottom line is that simple for a beginner looking to invest in Bitcoin.
So, if someone can cover all their living expenses with only 50% of their income, I think that might be a very good idea to invest in Bitcoin. The other 50% of their income is, of course, discretionary funds. So, you could invest all of that money in Bitcoin, or you could cut 15% and add it to your emergency fund. So, the bottom line is, don't get confused about this. Because, in essence, many people can only cover their living expenses with 50% of their income, and some even with less. Regarding this calculation, I formulated it for people who can cover their living expenses with 50% of their income, and those who can cover 70% or 80% are the same. The point of all this is to find the remaining (discretionary funds) after our needs have been met.