The best way to invest in bitcoin is to always invest with our discretionary income, weather at some point in time we were able to get some extra funds added to our income, we still have to be able to sort out our expenses and other primary financial obligations first before investing in bitcoin. Discretionary income is not the same as buying strategies, (lump summing) although nothing stops an investor to decide to lump sum at some time during his accumulation of bitcoin depending on the cash flow or with the money they already have and also if additional money comes in, even at that instance, one must still be able to sort out his major primary financial obligations first, and then use the remaining money or money left with you (discretionary income) for bitcoin investment. I said this contrary to your statement above where you said “instead of discretionary income, you can start investing in bitcoin”. For me, such statement sound misleading and contradictory when it comes to bitcoin investment because from experience gathered, it’s widely believed and accepted that any investment done without our discretionary income is no longer an investment but a gamble. Investment in bitcoin should be done with our discretionary income, if we don’t invest with our discretionary income then we are only gambling and at such sooner or later, it’s only but a matter of time before the investor starts getting the results and pay the price of not investing with a discretionary income. Or are you trying to say that one should use money meant to settle other major financial obligations for investment purposes, such statement looks contradictory and misleading especially to the newbies.