I think you don’t have to wait till you get all the mental preparations or anything before getting started in bitcoin investment.
To start investing, you need to be mentally prepared so that you can start investing freely and have confidence in the investment. If you have not yet been able to establish enough confidence in the investment due to lack of knowledge or your mental state is not suitable for investment, then I think it is not wrong for you to delay the investment for a while. For example, if there is a disruption in your normal life due to some issue, if any incident around you disturbs you mentally or if there is a shadow of grief in your family or your personal life. In these situations, I think your mental state is not at all conducive to investment. Or you must be mentally prepared before making any long-term risky decision. This requires some time and good advice. However, it is not at all appropriate to delay the investment by making excuses, I do not see anything wrong in delaying it for any reason.
A strong mentality is essential when investing in Bitcoin, as it helps us maintain more stable decision-making. However, when starting to invest, I don't think we need to develop a strong mentality to begin with. This is because a strong mentality can't be cultivated without firsthand experience and experience. Essentially, this mentality is formed when we start investing in Bitcoin. Don't bother training it, as it will naturally develop over time.
THEREFORE, I BELIEVE DELAYING INVESTING IN BITCOIN UNTIL WE HAVE DISCRETIONARY FUNDS IS A BAD IDEA. Time is ticking and can't be undone. Rather than training our mentality first, it's better to just start investing. I emphasize again that this mentality will naturally develop once we start investing, and a naturally formed mentality is better. Because, the real test lies in real-world situations.
I totally disagree with you on those words i hiligted above because delaying in Bitcoin investments is never a bad idea of your waiting until you have a discretionary income, let me clarify why you need to wait until you have discretionary income before you can embark into Bitcoin investments, is because a process were by you used the income that is meant for another thing for an investment, once the time or hours comes for the money that you used to invest, you force to pull out your invest without waiting for long term, but assuming you waited for you to use your discretionary income to invest, on that process of building up your Bitcoin portfolio you don't have anything that can make you pull out your discretionary income in short term, because discretionary income is the income that is remaining after all payments of bills.