As for in the end this is used or not it does not matter, the most important thing is that this must be calculated from the start so that we do not have to look for additional money later.
This is why an investor must have a discretionary income in which he can calculate on how much he would be using to invest in bitcoin regularly either weekly or monthly, and also channel the rest to build up his emergency funds so that he can be investing and building his emergency funds in order to him to have full confidence on his bitcoin journey and hodli for long. Emergency funds are used for very critical case scenario like lost of job or the roof of your house got pulled off by storm. These must be fixed immediately to avoid for damage.
If you have already build up your emergency funds to a decent size of 3-6 months, you can then channel that money that you are using to build your reserve funds, since reserve funds are back up to your emergency funds so that you don't touch it only when a real emergency occurs. Reserve funds are used for repair of car or buying a new car, buying bitcoin at the dip, buying of jewelry. If you have a good reserve funds, the next is your float, which you can use to buy gifts, go and eat in a good restaurant and many more.
So far when all these are put in place, your bitcoin journey will be smooth as long as you just keep on accumulating and increasing your bitcoin stash.