You can use discretionary income to accumulate Bitcoin and floating cash to invest during bearish periods.
Floating cash is not meant to buy bitcoin during the dip. If you have a reserve funds available, that is what you use to buy bitcoin when the price dips while you keep your DCA ongoing.
Float is the money kept aside for unexpected expenses during the week that you didn't budget for and not to accumulate bitcoin during the bearish period. Your discretionary income is that you are to continue using to accumulate bitcoin during the bear and in the bull market for 4-10 years and above.
Although investment and accumulation are used in the same sense, there is a slight difference between them
Whether you have bitcoin of $ 100 or $10000 they are all called investment. Investment is an asset or anything that you put your money into that generates profits overtime. When you are accumulating bitcoin, you are increasing your investment size.