It depends on individuals, If someone invest 30% of his salary on bitcoin, I think no matter the emergency involved the remaining 70% will be enough for any situation that may arise
What if the person is underemployed? You started your statement well that it depends on individual and by that individual I want to believe you are referring to individual needs, his income and other factors such as his confidence in Bitcoin. We must acknowledge the peculiarity of wealth distribution, which have some people living in surplus and others barely able to feed. So their investment decision will be determined by their circumstances. The percentage should not be a factor here before some persons will draw conclusion that a particular percentage is what should be invested in Bitcoin. It depends entirely on the situation of the individual.
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Personally, I think investing in bitcoin may not be as complicated as you think. Carrying out financial percentages is very necessary when investing in bitcoin. But don't forget, we may have experienced it, sometimes emergencies can come at any time and anywhere. As a result, the percentages sometimes change due to emergencies. Therefore, in my opinion, dedicating 30% of one's money to Bitcoin cannot be considered a fixed percentage. Because sometimes the remaining 70% of the salary/money earned is sometimes not enough for one month's needs. Especially for an ordinary worker or employee. So if that's the case, I think a better solution is to invest Bitcoin at the end of the month. So what I mean is, for example, in month 1 you receive a salary from the company where you work. So, don't invest that money directly into Bitcoin (30%). But first use the money (100%) for your needs for a month. Then, if at the end of the month you still have money left over after that month's needs are met and the next day you will be paid again in the second month by the company where you work, then you can invest the remaining money in Bitcoin. So by using this technique I am sure it will be better and safer. Because the point is, when you invest, all your needs are met and the next day you will receive another salary. So that invested money is good cold money to invest in Bitcoin.
You are right to some extent but what you've just explained here is an irregular investment since you ain't too sure if the percentage to you scrap out for handling other needs would be enough before you receive your next income, that's why it is advisable for an investor not to have one source of income so that you can make the whole analysis with your first income then a situation where by you may not be able to meet up your DCA due to some uncertainty then you can as well swap to your other income and continue your DCA .
This is the more reason why one needs thorough reasoning when trying to invest through DCA and most importantly having alternative source of income can actually help not to miss out the DCA because whatever that causes you not to meet up your DCA believe me your interest to continue would start diminishing and possibly push you to tamper with your holdings because it will actually look like a stress to you in the sense that it would look as if continuing your DCA would deprive you of some certain things though definitely anyone using DCA should just be prepared and be more disciplined about it if not there are times you would actually feel like not continuing due to one challenge or the other that's why an investor doesn't need emotions at all rather you go all hard in other to achieve your target(s)