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.