It makes no sense for a bitcoin investor to invest only 5 - 10% of his discretionary income because it's definitely going to take him or her quite a lot of time or years to accumulate something tangible that can impact his financial status.
I know that most people will argue that 5-10% of some investors discretionary income is very huge, yes it might be very huge to some, but to that person, it's just too small because that's his level. The ideal figure we should be talking about is like 50-60% of your discretionary income or more, that way you can be able to acquire a lot of unit of Bitcoin faster than just 5-10% that is just too small to the investor in question base in his level.
5-10% of an investor's discretionary income is definitely too small for bitcoin investment no matter the level of the investor. When an investor earns large income, his investments per DCA or his DCA allocation should be proportional to his income. It would not be a good match to compare an investor who earns $1000 monthly with another investor who earns $200 per month because they are quite on a different broader income level. So also, it would be an unwise comparison if such investors with income of $1000 to stay too low to compare himself with another investor with $200 monthly.
Even though responsibilities may differ which could also make someone who earns large to live poorer than a lower income earner, 5% of a person's discretionary income is already even less than 1% of your total income and this is poor. For a person that earns $1000 monthly with a discretionary income of $300 after his basic responsibilities, if he invests only 5% of his discretionary income which is $15, it would be equivalent to investing just 1.5% of your income per month. This would take you about 67 months to invest your one month salary into bitcoin at least 5 years and 6 months to invest just one month salary in bitcoin.
If such person remains in active service for 20 years after joining the bitcoin investment, it would mean he has only invested less than his 4 months salary. This amount can not serve it's retirement purpose and is very negligible. It does not show good financial management system. So taking your investments to at least 50% of your Discretionary income would be much better for the future. In as much as everyone has right to do whatever pleases him with his money, it won't be out of place retracing your steps and being more strategic and intentional and your accumulation target and focusing on it within the shortest of time. However, also remember that it is wiser to plan for your retirement early enough in other not to retire into poverty.