Unless you buy bitcoin with your paycheck first, you can always find another purpose for your excess income. I’ve been an advocate of “paying myself first” my entire life, I started investing in my early 20s using auto asset building via no-load mutual funds, and in my 40s, I continue to do the same, although I have altered my asset allocation to predominantly bitcoin.
Routine dollar-cost averaging (DCA) makes HODLing for the long term easier to accomplish for me. Rather than focusing on the value of what I have (which I’m not going to spend as long as I have fiat cash flow), I focus on adding to my satoshi stack. Time is your greatest asset and if you’ve been routinely stacking for the last few years, you have a receipt and equity in your future.