If you are accumulating Bitcoins and want to hold them for long term then best approach is to accumulate them through discretionary income. While your job salary or business income can be used to meet daily requirements. Why discretionary income is important is because it allows to dormant your Bitcoin for longer duration. Without discretionary income or if you are accumulating bitcoins with your salary then you might cash out your bitcoin in the long run, which completely destroys your plan of long term investment.
Your post is quite complicating and can be misleading to newbies too You re sounding as if your discretional income is derivated else where if not from your salary. Your discretional income is gotten from your salary after meeting your personal needs. When you start using your salary or your business income to accumulate bitcoin then your no longer investing but gambling with your bitcoin investment which will eventually ruined all your investments. Better ways,using our discretional income to accumulate bitcoin is the appropriate approach towards a long lasting Bitcoin
Discretionary income is what is left from your salary in the aftermath of all household necessary expenses covered. Discretionary income do have several other usage but investing it into assets is a security into the future.
It no external money outside the salary thus the name discretionary income. Using the whole salary in buying bitcoin on accumulation is a dangerous investment strategy and you can be forced by circumstance to sell prematurely in loss but when making use of what is simply left from your salary after sorting your those essential expenses.
Financial needs can arise at any time in people's daily lives, and this is why a long-term investment must use that money, that you will not need in any situation, that is, you can handle the situation without this money in any unexpected situation. So after meeting all your expenses from your income, invest the remaining amount, and even if it is very small in amount, there is no problem, because if this cycle continues continuously, this small amount of money will eventually become very large. But if you invest the necessary amount, and when you need that money, if you sell that investment before the goal is complete, then you will have to face a very big loss, which is why Bitcoin investment should be invested continuously through discretionary income, so that it can be held for the long term without any problem.