Quote from: ruykeri on Today at 09:21:10 AM

Quote from: Shineup on September 24, 2025, 10:38:43 PM

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.

And if someone does not have discretionary income. If he saves money from his necessary expenses and invests regularly on a weekly or monthly basis, then if he needs a lot of money for any urgent need in the future, he will be forced to sell Bitcoin to raise that money. And since the price of Bitcoin fluctuates greatly in a short period of time. When he needs money for an urgent need, if the price of Bitcoin has fallen significantly, he will face a loss. Therefore, investing with non-discretionary income is difficult to sustain for a long time because people experience various financial problems from time to time in their lives.

To be honest Bitcoin should be viewed as a long term investment and it is essential to have a well structured financial foundation when doing so. If someone invests without a discretionary or emergency fund it is very much like gambling. This is because the price of Bitcoin is very volatile and there is a possibility of experiencing large losses in an instant. First investing without an emergency fund or reserve fund means that the money you are investing may have to be used at any time for necessary expenses. For example if a sudden medical expense arises and you have to sell your invested Bitcoin but then the market is down you will often face large losses. This not only causes financial losses but also creates emotional stress which can affect the decision to reinvest. Second the benefits of long term investment are only available when the investor is not affected by market fluctuations. If your income is not regular and sufficient you will be forced to sell investments to meet your necessary expenses. This contradicts the basic principle of the holding strategy. In such a situation will anyone be able to face the next financial challenge? They will probably try to raise funds in other ways but that takes time and planning which is not easy for everyone.

Take the 2017 Bitcoin boom and subsequent crash. Many new investors then entered Bitcoin with their savings and unknown income. When the price suddenly fell they were forced to sell Bitcoin quickly and many suffered losses. This shows that just having discretionary income is not enough; having a secure financial structure is essential.