Owing debts doesn't stop Bitcoin investment as long as you have discretionary income left and your expenses are taken care of.
The only time you don't get to invest is when you don't have discretionary income left after taking care of your expenses or your income is barely enough to settle your necessary expenses. But if otherwise then there's no reason to delay your investment just because you're owing debts.
That is very true, owing debt doesn’t stop an investor from investing in Bitcoin, considering that you have a discretionary income, in as much as you have a discretionary income leftover money after paying for your bills and expenses then you have serviced your loans or whatever money that you’re owing, and you have a discretionary income then you can invest and buy bitcoin as soon as possible.
But if after paying for your expenses and bills and you don’t have a leftover money discretionary income then I after servicing your loans then it would be impossible to investing in bitcoin.
The best thing to do is take care of your expenses and bills then after that you can service your loans, and keep buying bitcoin, when you are done with paying for your loans then you can be buying bitcoin on a more consistent and regular basis.