If you are accumulating Bitcoins and want to hold them for long term then best approach is to accumulate them through discretionary income. While your job salary or business income can be used to meet daily requirements.
I think you failed to understand that your discretionary income comes from your salary or from the money you make from your business. And I found this your comment above confusing, because I don't see any reason why you said that our discretionary income should be use to accumulate bitcoin, while our salary and money coming from our business should be used for settling our basic needs and expenses, and you forgot that our discretionary income from those two source.