Very simple, investing with a non discretionary fund in Bitcoin should be tagged as gambling than investing, investment in Bitcoin is for long term and investing a non discretionary fund will lead to financial mistake and wrong investment approach, my question is that can it be possible for anyone to invest a non discretionary fund and still be able to handle any other situation that will come after? I guess maybe they will source for other means of getting funds to handle such situations, it can only be fine if they can handle such situations without hoping to pay back from their Bitcoin investment when they are supposed to be building their Bitcoin investment, it is risky to attempt buying Bitcoin with a non discretionary fund because you can end up suffocating meeting with up with your essential needs or end up selling your Bitcoin too soon.
It is not right for someone to invest in Bitcoin without discretionary income. To be successful in investing in Bitcoin, you have to continue investing for a long time. This is possible only if you have discretionary income. It is not enough to have discretionary income, but you also have to form an emergency fund and a reserve fund to continue investing for a long time.
Having discretionary income and even emergency funds on the side definitely makes Bitcoin investment less stressful. But honestly, not everybody will have their finances perfectly set up before they start. Some people just begin small, maybe with what they can spare at the moment, and then build from there. If you wait until everything is set, you might never actually get in because life will always bring one expense or another..
What really matters to me is balance. Don’t throw in money you can not afford to lose, but at the same time don’t keep holding back forever waiting for the perfect moment, it may never come. The idea is to build and also your Bitcoin side by side, not choose one and ignore the other…