Discretionary income is meant to solve your unexpected problems, so if you have exhausted your discretionary income while accumulating Bitcoin, you shouldn't attempt using your discretionary income to accumulate Bitcoin should incase you have any unexpected problem, you will always be in the right position to get it sorted out so that it will not have any negative influence in your Bitcoin process. If you accumulating Bitcoin and your discretionary income is exhausted, just be patient and wait until you receive your next salary that will enable buy Bitcoin with your discretionary income.
It looks like there is a little mix up here, because what you are describing about solving unexpected problems actually falls under emergency funds, not discretionary income. Discretionary income is the money left after you have already taken care of your living expenses and responsibilities, and that is the portion you can freely use for things like Bitcoin investment... If you start using that same portion to handle surprises in life, you will end up disrupting your whole investment plan without even knowing it. That is why it is always said that an emergency fund should come first, because that is the safety net that helps you deal with any unplanned issues without touching the money meant for stacking Bitcoin or any other asset..
Discretionary income is not for solving unexpected problems but rather emergency funds is what should be used for solving unexpected or unforeseen contingency. Our discretionary income is what we are supposed to invest with .using discretionary income for unexpected problems instead of emergency funds is a great misconception and a very misleading statement . So I believe you don't really know what you are saying or is clearly a mistake on your part.
Makes sense because if people confuse these two, they will feel stuck... An emergency fund is strictly to cover those sudden problems life throws at you, hospital bills, urgent repairs, unexpected needs, while discretionary income is what should go into Bitcoin stacking.. Once you understand this difference, the path becomes easier, first build up an emergency fund to secure yourself, then whatever extra remains after your needs are met can go directly into long term Bitcoin accumulation.. That way, you are not forced to sell when things get tough, and your investment journey stays smooth no matter what happens..