A wise person must think that when an emergency fund you collect is 20% it is used as it should your initial goal, because an emergency can not be predicted. Not only that, if invested then it is profitable when the state of crypto value rises, but how the emergency, the value of crypto decreased, this at the same time disappointing you and behind disappointed you must be confused to add the loss of crypto value. and most likely you will panic because of an emergency. 

then I suggest to allocate 10% per month to invest and 20% stay in sleep and you will be more calm in response to emergency though.