If you want to invest in a long term profitable asset and you don't have a discretionary fund you can do the following. Cutdown on your basic expenses if you can, get a better paying job, get a side hustle, learn profitable skills, do what you can to earn more than your basic expenses.
You are doing good by awaring people about this, we must have money that we can spend freely whenever we can, so that is what discretionary funds are about. We can do anything without fearing the bills or food, that’s the point of having extra money aside. People nowadays are more mature than ever, they know how life is and how to manage funds.
There are experts in the field to guide them, there are more opportunities than before, but some people don’t even know about these fancy terms and they are still doing good, because the terms don’t matter. The idea behind is very clear and only the smart ones understand it. In crypto it’s a saying, never invest the money you need for your expenses, only use the money you can afford to lose, so that’s exactly what discretionary funds are.