Your asset base should be much higher than your investments if you intend to accumulate bitcoins until you have a decent stash. You can be overly aggressive in accumulating bitcoins but realistically not at the expense of all your wealth. That's why pricing each asset level separately is to ensure maximum utilization during the period of its need. The portion of your wealth that can go into investing in Bitcoin is a fraction of your income and it may take a long time for you to reach a decent size by following the normal process but consistently running it.
Agree with what you just said, when we invest, what we have to think about is how we manage our finances so that we don't get too high, we invest as much as possible, that's fine, but we have to remember, our remaining savings must be more than that we invest, because no matter how much investment is not necessarily profitable in an instant, it will definitely take a long time and be a long process, don't let all the savings we have be invested, wherever we want to take our daily needs, in the end we will end up going into debt first, so We have to balance it with our savings, don't let it exceed the limits of our own capabilities.
Leaving a little money for needs that we don't expect is of course very important because if we don't have these funds and choose to invest all the savings we have, of course this will make us unable to carry out investments well, because we cannot know the need for these funds. with certainty and if we don't have it when we need it, of course this will make us have to pay back what we have invested, both in terms of losses and profits. If it is in favorable conditions, of course this is certainly not a problem, but if the investment conditions we are in If you don't run it in good condition, of course you have to take it in a situation that is detrimental to you.
Yea, it is good to have an emergency funds and reserve funds down, including floats to enable you take care of any financial issues that arises during your bitcoin accumulation journey. After you have taken care of your monthly expenses and needs, the left over is your discretionary income and that should be shared into two parts and invest with one part on bitcoin buying regularly weekly or monthly using DCA for 4-10yrs. The other part can be used to build your emergency funds for at least 3-6 months, after that you can switch over to building your reserve funds. It is a long time journey and any investor that plans it properly will be able to achieve a good result after 10 years and will also be able to reach his bitcoin target.
If you don't have an emergency funds to take care of emergencies that might arise, you will not survive in your bitcoin journey, because you will sell when you don't want to sell because of some unforseen challenges. Reserve funds are for backing up our emergency fund so that we only touch our emergency funds when a real emergency occurs.