I see a lot of people complaining that the reason they’re yet to get started with their accumulation is because their discretionary income is limited and so they’re waiting for it to pile up first before they can start. But they fail to realize that Bitcoin investment isn’t a sprint but a relay, it’s not about how fast you go, but how much or how long you can endure and keep going. Bitcoin investment is long term, which means you’ve got all the time to fail and get back on track until you finally get it right, so we should really stop being scared to get start, as long as there’s an actual disposable income, quit every other excuses and just get started.
Not having enough discretionary income is a substantial reason for not buying Bitcoin, there are other experience or pleasures aside investing in Bitcoin, not alone pleasure's but other investment that could be demanding funds, based on your illustration about Bitcoin investment as a relay not a sprint, you don't need to hurry yourself into investing, it should always be a calculated move, both emotionally and financially.
In any case, investors should commit 100% to their investment strategy, even if it takes pilling up discretionary income for months to buy during dips, or lump sum at once, it's all part of the strategy.