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Therefore, I believe
delaying investing in Bitcoin until we have discretionary funds is a bad idea.Time is ticking and can't be undone. Rather than training our mentality first, it's better to just start investing. I emphasize again that this mentality will naturally develop once we start investing, and a naturally formed mentality is better. Because, the real test lies in real-world situations.
You call it delaying, but I'll say it's fixing your cashflow until you're able to determine that you've discretionary income present before starting your investment into Bitcoin. Investing in Bitcoin without having discretionary income is starting out your Bitcoin accumulation journey with the wrong orientation.
Training your mindset to do the wrong thing is victimizing yourself. If you use money meant for your expenses to buy Bitcoin, of what benefit is the investment to you when you'll sell shortly to attend to an expense and you might be unlucky and sell in loss?
Bitcoin is an investment which you should go long-term in order to be profitable and the only way to go long-term in it is by using only your discretionary income to follow up your investment journey.