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.
I consider floating cash and reserve funds to be the same even though they are given different names. It should be logical to hold Bitcoin as a lump sum rather than holding excess reserves/floating. The size of this fund should be above your financial stability, such as for large purchases during bearish periods.
Some Investors get confused about emergency funds/floating cash/and reserve funds, but I think that each fund should be balanced for long-term Bitcoin holdings. The main point is that your fiat is constantly losing value due to inflation, so it is better to convert more into Bitcoin.
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.
You are burning dollars to buy Bitcoin, which is creating a potential asset and the size of the Bitcoin stack is increasing due to frequent accumulation. This frequent buying is called accumulating and the amount of Bitcoin you are accumulate is your valuable investment. If you stop/continue after managing your stack for the long term, the amount of Bitcoin you have in your portfolio is your investment. Buying Bitcoin through lump sum during the bearish period is more like an investment than accumulate because you are suddenly buying to grow your portfolio. Bitcoin accumulation/investment is a continuous effort to complete the cycles.