You seems to be missing the whole concept, remember we are advised to only Invest from our discretionary income and not from the money you're supposed to use for expenses. Investing from the money you're supposed to use in sorting out your expenses is a wrong approach, and this method will make you to become a trader at some point. Because I believe that some day you will be tempted to sell your holdings for short term investment since you decided to use the money that you're supposed to use in sorting out your bills to invest into bitcoin. We know that time is ticking but that doesn't mean that we should start rushing into bitcoin investment when we're yet to build our discretionary income no, you need to make a proper planning bitcoin investment is not a short term investment that is why we need to plan so that to enable us continue making the HODLin until we complete the circle.
Investing using discretionary income is crucial, as it's difficult for someone to invest with an income that's already barely enough to cover their living expenses. While time is ticking and Bitcoin's value is increasing, individuals should prioritize their own living needs before considering investing. If they force themselves to invest without first considering their personal needs, they run the risk of selling their assets when they need the money, potentially selling their assets at the wrong time.
So it's best to prepare your finances well first. Think about discretionary income, emergency funds, and savings, then consider investing. It doesn't need to be much, just $10 or $20 should be fine. The important thing is consistency and that the money won't interfere with daily living expenses or other important financial plans.