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The fact that one can actually have the freedom to allocate 100% of their discretionary income to accumulating Bitcoin (which is aggressive enough) doesn't mean that they should always do so. Some folks might actually consider setting aside some part of their discretionary income as a cushion to cover some upcoming short-term expenses and needs, while investing the rest regularly and the investment would still be growing.
Of course a cushion can be for anything to cover, extra expenses, needs or wants, and maybe a guy keeps one jar that has $500 for emergencies and then he has another jar that he keeps $200 so that he can spend it on whatever he likes, like a night out at the clubs or something like that, and maybe he only splurges once every few months, but it gives him a lot of pleasure to have that $200 to do whatever he likes as a way of treating himself once every 2-3 months.
Now, the longer that he is in bitcoin, and the more solid his bitcoin stash, he might slowly increase each of the jars.. especially the "one for fun," and yeah, maybe he would have had been better off to have had bought bitcoin with that extra money, but he also wants to feel good about his life. So part of the aspects of "discretionary" funds is that guys can do whatever they want with that money, even dumb shit and even smart shit. So, their actions have consequences, yet their path might not even be close to perfect, even though each of us likely try to get within a path that is acceptable for us and within consideration of our
9 individual factors.
I believe you've just hit on one of the most overlooked areas, as it concerns financial planning and attaining financial freedom.
Indeed, it is theoretically true that the main idea is putting one's spare dollars into Bitcoin accumulation, especially when the person believes so much in its long term potentials. But the truth is that, life isn't something that's lived on a spreadsheet. Having or building wealth isn't just about maximizing future wealth, it's also about maximizing the quality of life now, while building for tomorrow, it's important not to neglect that you have a life now.
And I believe that's the reason why the jar system works pretty well. Having a jar for emergencies and another for fun simply proves that you've expressly given yourself the go ahead and also creating the opportunity for you to enjoy a part of your discretionary income without having any form of guilt. Some people might look at the $200 fun jar as a missed opportunity to buy more Bitcoin, but the truth is that, it is best to consider it as buying peace of mind, happiness and also sustainability. I like to take myself for instance, whenever I allow myself occasional indulgence, I am more likely to stick with my broader plans over the long run, rather than burning myself out or sabotaging myself later on.
And as one proceeds overtime, and with the growing of their Bitcoin position, their financial foundation equally grows stronger than it initially was too, and they can equally increase the size of each jar. Each and everyone has their own unique individual factors (income, goals, risk tolerance, expenses, family situation, values, etc) that contributes immensely to their journey, but the most important thing is to have some structure in place and also coming to the realisation that flexibility is built into the process. Sometimes, your discretionary income goes to something silly, and sometimes it goes to something wise, but the most important thing is that you learn how to strike a balance between the two, adjust your position respectfully and keep moving.