Does the DCA strategy inspire newbies to invest?

[Tongley]

If you don't have discretionary income at the initial stage of your investment then what are you exactly investing with? As long as you don't need to to pay for your essentials it is your discretionary income and that's what you invest with, that's also what you use to set up your backup funds in which your emergency is one of them, you discretionary spendings where you treat yourself to certain pleasures that aren't exactly necessary or can be considered extravagant comes from your discretionary income.

People do a lot of things in their early stages of investing in Bitcoin and that includes investing when there is even no clear discretionary income. For instance, someone can decide to cut down on meals, from three square meals to eating once so that they can have extra income to invest in Bitcoin. People can cut down on expenses in many ways just to invest in Bitcoin. This may not be the best thing to do but beginners do it and then learn the best way of doing it with time. My point is that a beginner can start investing in Bitcoin even when there is no clear discretionary income, but with time they will learn the importance of investing with discretionary income and even setting up emergency funds.

You cannot be "investing" in bitcoin if you don't have discretionary funds.  If you are buying bitcoin with money that you need for your expenses, then you are gambling with money that you need for your expenses, so how could that be considered investing?  With investing, you should expect to be using money that you can afford to lose, and also likely with a timeline that is 4-10 years or more into the future... but if you try to use non-discretionary funds then how is that going to work?

It probably is going to be better that you figure out some ways to increase your income and/or cut your expenses, which maybe is what you were trying to describe by buying ONLY 1 meal per day rather than 3 meals per day, and maybe that will work if you are still eating sufficiently enough to nourish yourself, yet it might be better to figure out ways to source your food with nutritious and inexpensive foods, since it could be problematic to overly skip meals.. even though you could cut down your portions and have small portions through the day, yet each of us still needs to assure that we are not contributing to our own health issues or loss of energy that could affect our abilities to earn income.  I am not opposed to creative ways to cut some expenses, yet we still have to make sure that we are not overly cutting some of our expenses and/or otherwise undermining aspects of our health.

It would not be reasonable to reduce our food expenses at all. However, there are some food expenses that we can reduce, such as eating extra restaurant meals. It is necessary to reduce this expense because. If we cook at home with the same amount of money as we eat at a restaurant, we can eat for three days, so to reduce the extra expense, we have to reduce our eating at a restaurant. There are many other expenses that we definitely need to reduce and hope for, such as smoking, drinking, showing off and increasing the amount of expenses with others, etc. All such expenses need to be reduced and hope for. We should not always look at high-income people or rich people, but we need to look at people with lower incomes than us.

A friend of mine works and he earns a good amount of money every month, he does not have to pay any money for his house or family expenses from the money he earns. He spends the entire amount of his income and even then he has some amount of debt at the end of the month. He always spends extra and hangs out with people with higher incomes than himself. His spending increases even more as he moves in parallel with them.

[sotelorene]

I find investors using the DCA strategy invest for the long term.
Special Considerations Should Beginners Follow the DCA Method for Bitcoin Investments? What Can Be the Outcome -Future

DCA is the most popular strategy among investment strategies. All types of people can invest in DCA strategy, DCA brings equal benefits to low-income people and high-income people. Even, DCA strategy plays the most role in staying active with Bitcoin regularly. DCA is the only strategy to prevent wasting time and avoid additional research. Since DCA strategy does not require much knowledge to start investing, beginners should follow DCA strategy in investment.

I am kinda surprise and at same time amazed how newbie like you got to know all these about the DCA method of investing in Bitcoin but to make one thing clear here, DCA method is not the only method of Bitcoin accumulation that doesn't require much knowledge to kick start but rather in Bitcoin investment generally, one don't need too much knowledge or one don't need to know everything before they start their Bitcoin investment. I got confused when you said "DCA strategy plays a role in staying active with Bitcoin regularly" I don't really understand that but the DCA is not only what makes an investor stay active but rather their choice and decision and also their discretionary income.

[Marvelockg]

Additionally, if our current income can't generate a discretionary income, the logical thing to do is to look for an additional source of discretionary income, so that you can start your Bitcoin accumulation right away, without wasting much time.

This is very important to talk about because most times, new investors are at a fix where they have to decide wether it's feasible for them to invest considering that they are likely not earning too well  or wait till what they are earning increase or till they are able to get additional source of income that helps them in Thier bitcoin accumulation journey.

The DCA strategy still helps in this regard because you can still get started with a little dca amount and when you've grown your income, you can then increase on your accumulated amount.

We've spoken about this over and over again that you don't wait for a perfect condition before you start investing. You start investing and work to create a better condition that helps your investment journey. If you're struggling to start investing with little, then the place if growing as an investor is far from you.

[Abelly]

I find investors using the DCA strategy invest for the long term.
Special Considerations Should Beginners Follow the DCA Method for Bitcoin Investments? What Can Be the Outcome -Future

DCA is the most popular strategy among investment strategies. All types of people can invest in DCA strategy, DCA brings equal benefits to low-income people and high-income people. Even, DCA strategy plays the most role in staying active with Bitcoin regularly. DCA is the only strategy to prevent wasting time and avoid additional research. Since DCA strategy does not require much knowledge to start investing, beginners should follow DCA strategy in investment.

DCA strategy is very good for beginners because there is no need to do market timing here, one can accumulate Bitcoin slowly even with small amounts weekly or monthly. In this, panic is less even if the market dumps, because the goal is long term accumulation. New investors invest money for emergency expenses due to excessive excitement and then cannot hold it when the market goes down. The real strength of DCA is consistency. If you accumulate small amounts regularly, it is possible to create a good portfolio over time. To be successful in Bitcoin, patience and discipline are more important than short term profit.

[Hardyrobust]

If that’s really the case where our income is still low then it’s hard to optimize our budget. I’ve been there myself, where I’ve already optimized my expenses to match my income, but it’s still a tough situation. The solution is to find another source of income even though it might seem difficult, that’s the only option.
I agree with you that shifting from saving to earning more money is necessary when cash flow is unstable, because it’s pointless if our income isn’t enough to meet our needs let alone save since even meeting those needs is already difficult.

I know income is very important in Bitcoin investment, but we need to be honest and ask ourselves a question. If eventually one's income increases, won't the needs still increase? Or the needs still remain the same? and one can comfortably invest in Bitcoin. But as the income increases and the needs increase, there is still the possibility that one may not end up investing in Bitcoin because you will still complain about your needs depriving you of investing in Bitcoin.

Most times, I feel it is not enough income that is depriving people of investing in Bitcoin; it is because they need to meet their needs, which is the most important thing. Funny enough, you don't need a lot of money to invest in Bitcoin; you don't need to invest much, but if you can afford to invest a little amount consistently, you have done enough for yourself. Having needs is not a reason not to invest in Bitcoin; even with needs, one can still plan to invest in Bitcoin.

There are people that are not able to figure out there discretionary income most of them don't have a good financial management. So it is not because they don't have enough income but because they don't have a good financial management and they end up buying things that they may not need. There are people that failed to rank there wants according it's important. People buy things that they will later realised that they really have need for it. However, with good financial management they can be able to know what they need and how to spend there money. It is not only because people don't have enough income but it is poor financial management that is the reason why most people don't have discretionary income.

[ruykeri]

It would not be reasonable to reduce our food expenses at all. However, there are some food expenses that we can reduce, such as eating extra restaurant meals. It is necessary to reduce this expense because. If we cook at home with the same amount of money as we eat at a restaurant, we can eat for three days, so to reduce the extra expense, we have to reduce our eating at a restaurant. There are many other expenses that we definitely need to reduce and hope for, such as smoking, drinking, showing off and increasing the amount of expenses with others, etc. All such expenses need to be reduced and hope for. We should not always look at high-income people or rich people, but we need to look at people with lower incomes than us.

A friend of mine works and he earns a good amount of money every month, he does not have to pay any money for his house or family expenses from the money he earns. He spends the entire amount of his income and even then he has some amount of debt at the end of the month. He always spends extra and hangs out with people with higher incomes than himself. His spending increases even more as he moves in parallel with them.

There is a need to do all kinds of entertainment and pleasant things in a person's life. It is true that eating food at home at a restaurant will reduce the cost, but if you can go out with your family once or twice a month or take them to a restaurant to eat, the good moments that will be created are worth much more in many . I never think it is right to save money by avoiding the pleasures and beautiful moments of life. But it is true that nothing in excess is good. And the one you mentioned about alcohol addiction must refrain from such things. Both economic and physical damage increase significantly in this.

 And the friend you mentioned is actually living an uncontrolled life. Let alone his investment in Bitcoin, if he continues like this, he may not be able to manage his own life properly in the future. Fund management and a controlled life are not only important for investing in Bitcoin, it works as a very important issue in the life of every common person.

[Promocodeudo]

DCA is the most popular strategy among investment strategies. All types of people can invest in DCA strategy, DCA brings equal benefits to low-income people and high-income people. Even, DCA strategy plays the most role in staying active with Bitcoin regularly. DCA is the only strategy to prevent wasting time and avoid additional research. Since DCA strategy does not require much knowledge to start investing, beginners should follow DCA strategy in investment.

Your statement is very much on point, the DCA method is the most effective method of accumulating Bitcoin, those that have been using it to accumulate Bitcoin can attest to that, those that thinks waiting is an option can now retrace if they aren't actually deceiving themselves with such excuses, one good thing about the DCA strategy in that it knows no boundary, whether you are poor average or rich, as long a you can fugure our your discreationary income, then you don't have any problem, the DCA method is the method that helps every invetsor to invest easily and steadily, it also allows you to buy at all season, while you the DCA method to accumulate Bitcoin, you lump sum and still buy the dip as long as you aren't waiting for any price drop before you start buying Bitcoin.

[Female King]

I find investors using the DCA strategy invest for the long term.
Special Considerations Should Beginners Follow the DCA Method for Bitcoin Investments? What Can Be the Outcome -Future

DCA is the most popular strategy among investment strategies. All types of people can invest in DCA strategy, DCA brings equal benefits to low-income people and high-income people. Even, DCA strategy plays the most role in staying active with Bitcoin regularly. DCA is the only strategy to prevent wasting time and avoid additional research. Since DCA strategy does not require much knowledge to start investing, beginners should follow DCA strategy in investment.

DCA strategy is very good for beginners because there is no need to do market timing here, one can accumulate Bitcoin slowly even with small amounts weekly or monthly. In this, panic is less even if the market dumps, because the goal is long term accumulation. New investors invest money for emergency expenses due to excessive excitement and then cannot hold it when the market goes down. The real strength of DCA is consistency. If you accumulate small amounts regularly, it is possible to create a good portfolio over time. To be successful in Bitcoin, patience and discipline are more important than short term profit.

The dca strategy is the most suitable strategy to use most expecially to newbis and also low income earners, if an investor buys consistently for a long time with their little discretionary income every weeks or months they can grow a good bitcoin portfolio just like this saying that little drop of water steadily can fill up a tank. The DCA strategy is good for all investor who wants to accumulate bitcoin and hodl it for long.

[Different patterns]

You cannot be "investing" in bitcoin if you don't have discretionary funds.  If you are buying bitcoin with money that you need for your expenses, then you are gambling with money that you need for your expenses, so how could that be considered investing?  With investing, you should expect to be using money that you can afford to lose, and also likely with a timeline that is 4-10 years or more into the future... but if you try to use non-discretionary funds then how is that going to work?

Discretionary income plays an important role for every serious investor in bitcoin, when you invest with money you can  leave unchurched for a 4 to 5 years or more than, you actually give yourself enough time to benefit from bitcoin long run without panicking over short term price. Moreover, most successful bitcoin investors, they understand that investing is not about get quick profit or getting rich quickly. but they believe consistent accumulation over time with patience, proper financial planning, by using discretionary funds allows investors to follow strategies comfortable without stress.

[Bright0515]

My point is that a beginner can start investing in Bitcoin even when there is no clear discretionary income, but with time they will learn the importance of investing with discretionary income and even setting up emergency funds.

This is the honest truth you shouldn't invest in BTC if you are yet to figure out your discretionary income if you are investing out your discretionary income it means that you are only gambling because the money you are using to invest is not your left over income but income you should use to settle your importants and basic needs.

The honest truth about what @Moreno233 said above is that it has both advantage and disadvantages too and based on my perspectives I think the disadvantage is more than the advantage.
But I will first start by providing few of the advantage before I talk about the disadvantage.
1, the advance of starting when you don't have a clear discretionary income is that with practical you can figure out your next move, you can figure out the necessary expenses and cutoff the unnecessary expenses.
2, starting early even when things are not yet in place might literally made the person to develop the habit of investment and from there he or she will know how to organize theirsevles for things to work out perfectly for them.
3, starting with small Bitcoin even when you have clear discretionary income can make someone to develop a long term mentality.
4, even for the fact that they don't have clear discretionary income before they get started, it might not stop them from experiencing the market.

The disadvantage of starting without a clear discretionary income is that:
1, for the fact that Bitcoin is volatile, you will understand that it's not appropriate to buy Bitcoin with your survival money because Bitcoin investment is not a get rich quick scheme.
2, you will understand that investing into Bitcoin from your discretionary income helps you avoid unnecessary financial pressures and probably market pressures too.
3, for the fact that you invest with your discretionary income, it will help you avoid debts when an emergency situation occurs.
4, you will also understand that success toward Bitcoin investment is not all about buying but how to build a solid financial structure when it comes to investment.

[Joeboy]

Discretionary income plays an important role for every serious investor in bitcoin, when you invest with money you can  leave unchurched for a 4 to 5 years or more than, you actually give yourself enough time to benefit from bitcoin long run without panicking over short term price. Moreover, most successful bitcoin investors, they understand that investing is not about get quick profit or getting rich quickly. but they believe consistent accumulation over time with patience, proper financial planning, by using discretionary funds allows investors to follow strategies comfortable without stress.

Investing with non- discretionary income is extremely risky... Bitcoin investment is a long term investment which is extremely volatile and so if one's intention is to invest for a long term duration, then already they should know of the risk that is associated with investing with non discretionary funds... Non discretionary funds can make folks sell out their investments at a worst possible time and also at a price which may even be way below their initial buying price... Investment done with Discretionary income makes it possible for that investor to hold on for longer-term duration...

[Silikiem]

I find investors using the DCA strategy invest for the long term.
Special Considerations Should Beginners Follow the DCA Method for Bitcoin Investments? What Can Be the Outcome -Future

DCA is the most popular strategy among investment strategies. All types of people can invest in DCA strategy, DCA brings equal benefits to low-income people and high-income people. Even, DCA strategy plays the most role in staying active with Bitcoin regularly. DCA is the only strategy to prevent wasting time and avoid additional research. Since DCA strategy does not require much knowledge to start investing, beginners should follow DCA strategy in investment.

I am kinda surprise and at same time amazed how newbie like you got to know all these about the DCA method of investing in Bitcoin but to make one thing clear here, DCA method is not the only method of Bitcoin accumulation that doesn't require much knowledge to kick start but rather in Bitcoin investment generally, one don't need too much knowledge or one don't need to know everything before they start their Bitcoin investment. I got confused when you said "DCA strategy plays a role in staying active with Bitcoin regularly" I don't really understand that but the DCA is not only what makes an investor stay active but rather their choice and decision and also their discretionary income.

You don’t have to be confused when you hear that the DCA strategy plays a role in staying active with bitcoin investment regularly, I think @palmyra is largely correct with his statement. All he’s trying to say is that the DCA strategy encourages/ enables the investor to regularly buy bitcoin and stay active by consistently or perhaps persistently buy bitcoin and hold either weekly or monthly basis or most of the times depending on when their discretionary income is ready. with just their discretionary income, they don’t have to wait until its dip before they can buy bitcoin, they don’t have to wait until a huge or additional money comes to them before they can buy bitcoin (Lump sum). In general the DCA is regarded as the most effective strategy of bitcoin investment.

In the aspect of DCA not requiring too much knowledge before getting started he’s obviously right because if you’re investing with the buying the dip strategy as your main strategy you will be needing knowledge of market evaluation, timing and monitoring before you can buy bitcoin. But with the DCA all you need is just a discretionary income to use and buy bitcoin at any market price and hold for long term goal no stress or knowledge of market analysis, evaluation or timing is required here.

[laspol65]

I find investors using the DCA strategy invest for the long term.
Special Considerations Should Beginners Follow the DCA Method for Bitcoin Investments? What Can Be the Outcome -Future

DCA is the most popular strategy among investment strategies. All types of people can invest in DCA strategy, DCA brings equal benefits to low-income people and high-income people. Even, DCA strategy plays the most role in staying active with Bitcoin regularly. DCA is the only strategy to prevent wasting time and avoid additional research. Since DCA strategy does not require much knowledge to start investing, beginners should follow DCA strategy in investment.

DCA strategy is very good for beginners because there is no need to do market timing here, one can accumulate Bitcoin slowly even with small amounts weekly or monthly. In this, panic is less even if the market dumps, because the goal is long term accumulation. New investors invest money for emergency expenses due to excessive excitement and then cannot hold it when the market goes down. The real strength of DCA is consistency. If you accumulate small amounts regularly, it is possible to create a good portfolio over time. To be successful in Bitcoin, patience and discipline are more important than short term profit.

Investing in Bitcoin according to the DCA method certainly increases the risk of success in the investment. However, patience is the most valuable thing with long-term Bitcoin investment. Only those who adopt more strategies in Bitcoin investment and are able to hold Bitcoin patiently can achieve more benefits. And those who invest in Bitcoin for the purpose of making money are basically not able to sustain their Bitcoin investment for a long time,
so they are forced to give up their Bitcoin investment in the middle. So of course, if you want to invest in Bitcoin, you have to be patient, only patient people can benefit the most.

[Alonso_]

You cannot be "investing" in bitcoin if you don't have discretionary funds.  If you are buying bitcoin with money that you need for your expenses, then you are gambling with money that you need for your expenses, so how could that be considered investing?  With investing, you should expect to be using money that you can afford to lose, and also likely with a timeline that is 4-10 years or more into the future... but if you try to use non-discretionary funds then how is that going to work?.

You’re absolutely correct, investing in bitcoin without a discretionary income is gambling and it’s also a disaster like a time bomb waiting happen, I don’t really understand how someone would be investing in bitcoin without a discretionary income, and apparently they will be using money meant for their expenses to accumulate bitcoin that would be a very dangerous idea, I’m not a fan of gambling when it comes to investing in bitcoin, and that will never be considered as investing, instead I will have to consider that scenario as gambling, investing with a non-discretionary income is a terrible way and gambling, investing in bitcoin with a timeline of a 4-10 years into the future is more appreciated.

[Yeesha]

You are right, setting aside a discretionary income is the smart and reasonable way to start our investment journey so we wouldn’t run back to our investment anytime we need to settle our expenses or any other necessities. So we can see how importantly the discretionary income lays a big foundation towards our investment journey.
Discretionary income are just funds left after settling our necessities and paying our bills.  Which is why it is smart to have it sort out before starting even if it takes us more time we should make room for our discretionary income before our investments journey so we wouldn’t fall into shifting our investments mindset to trading mindset or gambling Mindset.

Some people might disagree that it is not just about setting aside a discretionary income, because if an investor chooses to set a discretionary income aside before the expenses, it means that they are not well balanced or stable enough with the amount of money at hand. But from my perspective I think that's how responsible investing usually works. Because the best way to tackle financial problems is by planning an appropriate and a reliable budget before the money is being credited into your account. Investing in Bitcoin without discretionary income is more like providing room for financial difficulties. Some newbies wish to invest in bitcoin but they were unable to do so due to some financial reasons. Using DCA strategy can be useful and bring great achievement to some newbies who are well disciplined and well composed and competent, investment shouldn't be based on competition, so the best thing is to avoid being competitive and focus on making the right decisions rather than imitating someone or following their instincts.

[BluebloodCXVI]

I have not yet seen a newbie who is investing in Bitcoin by eating one meal instead of three meals a day.

I cannot support giving money for investment by ignoring the fundamental right of people to eat three meals a day. You may be able to give extra discretionary money for investment by banning luxury foods from the food list and giving money for investment by excluding all luxury expenses, but giving money for investment by taking away basic rights is not advisable.

Is there a guarantee that after starting investment without eating two meals, your source of income will increase later? "Investment should be done only with prudent money" Aren't you breaking this rule? I would suggest, first give importance to the present and achieve basic rights, then make sacrifices for investment in future plans.

I get what you’re saying, and I actually agree with the core idea. Investing shouldn’t come from a place where you’re hurting your basic quality of life. So if someone is cutting meals, struggling to eat properly, or sacrificing their health just to put money into Bitcoin, then i wouldn’t describe that as discipline anymore, that’s just you putting pressure on yourself, and pressure like that usually doesn’t end well in the long run.
The safer way you should look at it is simple, your essentials have to come first things like food, shelter, transport, and basic comfort shouldn’t be on the chopping block for investing. Whatever is left after you’ve taken care of those things is what you can reasonably put aside to invest.
And there’s no even any real guarantee that suffering now automatically leads to better financial outcomes later for you. In fact in many cases, it can even backfire because when your health or focus drops, your ability to earn and stay consistent also drops so at the end of the day, investing only really works when it doesn’t break your life in the process.

[Proty]

Discretionary income plays an important role for every serious investor in bitcoin, when you invest with money you can  leave unchurched for a 4 to 5 years or more than, you actually give yourself enough time to benefit from bitcoin long run without panicking over short term price. Moreover, most successful bitcoin investors, they understand that investing is not about get quick profit or getting rich quickly. but they believe consistent accumulation over time with patience, proper financial planning, by using discretionary funds allows investors to follow strategies comfortable without stress.

Investing with non- discretionary income is extremely risky... Bitcoin investment is a long term investment which is extremely volatile and so if one's intention is to invest for a long term duration, then already they should know of the risk that is associated with investing with non discretionary funds... Non discretionary funds can make folks sell out their investments at a worst possible time and also at a price which may even be way below their initial buying price... Investment done with Discretionary income makes it possible for that investor to hold on for longer-term duration...

It is wrong for anyone to put in bitcoin any amount they can't afford to lose. Using money that is meant for one expenses to invest in bitcoin is the same thing as trading because this money is  to be locked up for years. Therefore when its need arise the person will be left with no other options but to sell which is more like gambling because they can predict how the market moves it maybe against them which they will end up losing there income. To avoid such thing from playing out investors should always invest in bitcoin using there Discretionary income.

[MusaPk]

Investing with non- discretionary income is extremely risky... Bitcoin investment is a long term investment which is extremely volatile and so if one's intention is to invest for a long term duration, then already they should know of the risk that is associated with investing with non discretionary funds... Non discretionary funds can make folks sell out their investments at a worst possible time and also at a price which may even be way below their initial buying price... Investment done with Discretionary income makes it possible for that investor to hold on for longer-term duration...

There are few things we need to learn before we start investing in Bitcoin and foremost is that Bitcoin investment must be for long term. Long term investment is only possible if you have necessary funds available to meet daily and emergency requirements. Without such funds you won't be able to invest for long term rather you will be trading in that case. You need at least 4 years to see results of your investment in Bitcoin. This is why Discretionary income is must in case you want to invest for long term in Bitcoin.   

[ejikeme24]

I find investors using the DCA strategy invest for the long term.
Special Considerations Should Beginners Follow the DCA Method for Bitcoin Investments? What Can Be the Outcome -Future

DCA is the most popular strategy among investment strategies. All types of people can invest in DCA strategy, DCA brings equal benefits to low-income people and high-income people. Even, DCA strategy plays the most role in staying active with Bitcoin regularly. DCA is the only strategy to prevent wasting time and avoid additional research. Since DCA strategy does not require much knowledge to start investing, beginners should follow DCA strategy in investment.

I am kinda surprise and at same time amazed how newbie like you got to know all these about the DCA method of investing in Bitcoin

Of course some newbies must have learnt a lot off forum probably from this online tutorial, that is why newbies should not be underestimated here because some already had the necessary informations about bitcoin investment so their coming here is to Widen their knowledge.

I got confused when you said "DCA strategy plays a role in staying active with Bitcoin regularly" I don't really understand that but the DCA is not only what makes an investor stay active but rather their choice and decision and also their discretionary income.

Some folks seems to be overrating the DCA method, what he was actually trying to say is that the DCA method enable us to buy regularly he didn't arrange it properly. And of course the DCA can't make investors to stay active in their bitcoin accumulation, as am investor what you need to stay active in your accumulation journey is your discretionary income, emergency funds and you also need discipline to be able to overcome some temptations/ challenges that might come your way during the process of accumulating bitcoin.

[Zackz5000]

Discretionary income plays an important role for every serious investor in bitcoin, when you invest with money you can  leave unchurched for a 4 to 5 years or more than, you actually give yourself enough time to benefit from bitcoin long run without panicking over short term price. Moreover, most successful bitcoin investors, they understand that investing is not about get quick profit or getting rich quickly. but they believe consistent accumulation over time with patience, proper financial planning, by using discretionary funds allows investors to follow strategies comfortable without stress.

Investing with non- discretionary income is extremely risky... Bitcoin investment is a long term investment which is extremely volatile and so if one's intention is to invest for a long term duration, then already they should know of the risk that is associated with investing with non discretionary funds... Non discretionary funds can make folks sell out their investments at a worst possible time and also at a price which may even be way below their initial buying price... Investment done with Discretionary income makes it possible for that investor to hold on for longer-term duration...

Investing with a non discretionary income wouldn't work well because such person will sell in a short time frame because he uses money not for investment to invest and when an investor couldn't hodl for 4-10 and above that means he was just trading and gambling all this while you can't use money that you will be needing soon to invest in Bitcoin and call it investment that's trading and a wrong Bitcoin investment system so what should guarantee an investor to investing is his discretionary income, it should be no discretionary income no Bitcoin investment anything out side our discretionary income is gambling.