Where did you get this idea from? So if you think it's a bad idea to delay investing in bitcoin till you come up with discretionary income, what money do you now want to invest in bitcoin with? Is it the money ment for your family essentials? Or the money needed to run your day to day life? Well it's only advisable to invest in bitcoin with discretionary income. If you don't have discretionary income it's not advisable to use money for other essentials to invest in bitcoin. So delaying investing till you are are able to come up with discretionary income is not a bad idea.