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. Why discretionary income is important is because it allows to dormant your Bitcoin for longer duration. Without discretionary income or if you are accumulating bitcoins with your salary then you might cash out your bitcoin in the long run, which completely destroys your plan of long term investment.
Seems you don't really know were discretionary income come from or how it is gotten. You are missing something here. It is from your salary or profit from your business that you get your discretionary income from. Discretionary income is the money that remains after you have removed money for your day to day expenditures From your salary or from the profits from your business. In nutshell it's from your salary or profit from your business that you can get your discretionary income from. So discretionary income is not another money gotten outside your salary or profit from business.
Hahaha so funny of him with his narration and I saw that jayjuanGee has already given him an sMerit for such post, infact what he was saying was completely out of the line and it kept me wondering how a discretionary income generation stands on it's own if not gotten from either your job salary or business after the basic needs expenses has been taken care of, I can't stop laughing on reading that post, some time I wonder how members grow up to a certain extend and still be making some kind of statement, to me it shows that he doesn't even know what he was actually saying and what it stands for but is fine we learn every day.
Discretionary income must not come from your job salary directly, there may be more income sources apart from your direct job. I have friends that work a full-time job while being an agent in other people's businesses and it's possible they use what they get from their salary as expenses and their referral bonuses as discretionary income and if they're into Bitcoin, they could still use the referral bonuses to invest.
Again my youngest sister still insists I send some money for her at the end of the month for her upkeep despite working herself and making money on her own which I still do and it's possible that the money I send to her forms a large party of her discretionary income.
Discretionary income is basically any income that you've left after catering for your expenses and it doesn't matter the source, what matters is that you recorded it as an inflow and you've handled your expenses independent of it and such extra funds can be used to invest into Bitcoin.