I don't!, no stash for trading all that just for BTC investment and HODLing so on, how to accumulate using DCA strategy.... 30% of monthly income for BTC investment and the rest for living and other needs.
For me trading is too complicated and there is more risk of greater loss than profit, here we have to understand all the patterns that are needed and the pressure of the mind because we have to choose the shitcoin that is traded, so I don't do any trading except BTC investment.
If you don’t want to go into trading, that is the best for you since you already know the risk involved in it. It is better you don’t lose any funds to trading than taking a risk that is unbearable for you. Shitcoins are even worst, whether you trade or invest in shitcoins, you’ll just have it at the back of your mind that you’re in for a very big gambling and will leave you regretting every of your actions when the market crashes not in your favor which will happen sooner than imagined. Leave shitcoin out of your investment, if you want a good savings for the future, only invest in bitcoin.
Most people have trouble saving any income and frequently, 10% of their income can be a reasonable and even a somewhat aggressive target for a lot of people (even though surely some people have more discretionary income than others and if they make a lot of money, sometimes they can live a kind of minimalist lifestyle and end up getting up to decently high savings/investing levels). Many of the normies can make quite a bit of progress just by going from near or at 0% to 10%, and surely if they can invest/save more than 10%, then the is o.k. as long as their other financial matters are in order.
30% is a big percentage of your total income to be invested in Bitcoin. But in some cases, it will be like a very good price to be invested also. You just have to check and balance on the advantage and disadvantage of what you’re going to face. If I earn $1000 per month and all of my total expenses for the month, including emergency funds does not worth more than $600 or less than $600, I will confidently put in the 30% ($300) of my income into bitcoin investment. If for another example, I earn $2000 per month and my total expenses including emergency funds is upto $1500, then investing 30% ($600) of my total income will just make me dependent on my investment again, which is not a good way to accumulate bitcoin. Rather if I put in 20% ($400) of my total earnings I will have a lot of bitcoin accumulated than the one that invests 30% monthly. 30% and 10% of monthly income invested depends on your income and monthly expenditures.