Therefore, I believe delaying investing in Bitcoin until we have discretionary funds is a bad idea. Time is ticking and can't be undone.
Don't you think you are getting it wrong here? That we should invest in bitcoin even when we have not figured out if we have a discretionary income to invest so i believe it's still ok to wait if there is no discretionary income to get started with.
The reason you should invest with your discretionary income is that things might not go as have plan it might go dip so if you invest with discretionary and such thing happens to occur you won't get your self up set because you invested with what you are afford to loss .
Investing with a non discretionary income is a risk that even old and experienced bitcoin Investors are not to make not to talk of newbies who can't control their financial crisis rightly. Everyone is entitled to his opinion but what happens after the opinion is also personal. Discretionary income is the ultimate beginning in bitcoin investment as long as bitcoin is concerned. Bitcoin volatility is not easy to understand not bear when it dips beyond our expectations. So investing with funds meant for other purposes or borrowing money to invest could destabilise a person's economy and cause financial stress which could lead to selling at loss.
After learning about bitcoin, the next thing is to strategy on how to raise a discretionary income for your investment. You may not wait for a huge amount, you can start as little as you can afford as far as it's a discretionary income. Don't let anyone push you into the financial mistake of investing with money meant for other responsibilities or borrowing to invest, your personal attitude to bitcoin would determine if you will have a successful bitcoin accumulation process.