[edited out]
In all I pray we don't meet issues or problem that is bigger than our emergency, reserves and float funds.
An overwhelming majority of folks should never get to a point of either completely exhausting their emergency funds or having to dip into their investments absent some kind of actual emergency or unless perhaps they have purposefully put themselves into such a situation based on a knowledge that they are near the end of their life.
In other words, as long as we actually have discretionary income to invest, the overwhelming majority of us should be able to build up our finances and our other resources so that we do not have to dip into our bitcoin investment at a time that is anything other than our own choosing... Sure if we end up getting hit by a bus or have some other really major situation that might both add to our expenses and remove some or all of our ability to earn an income, then surely those could end up playing out as situations in which we end up both depleting our emergency funds and/or also having to dip into some or all of our bitcoin investment.
One thing about me is that if I'm determined to meet up a target, no matter the intensity of an event or real life challenges that may occur i dont result to terminating my savings just to attend to that need except if it involves a life threatening conditions. However, apart from something that tends to take a life if it is not attended to immediately, people should learn how to manage their income and not create room for situations that will lead them to either end their investments or tamper with it. That is why it is good to make proper plans and provision for any uncertainty or emergency that will erupt in the future so that on no account will you tamper with your holdings.
There is one thing that people don't get to understand, Bitcoin is a high volatile asset with a lot of value in it therefore it should not be touched to solve real life issues especially when you are still in the accumulating stage whereby you still need to invest more in order to grow your portfolio so that stage requires consistency and no distractions because as soon as you result to touching part of your holdings, you are likely to continue when such situations arise again in the future and by so doing one can end up with nothing left again and if it happens within a period of a dip then a lot of losses will be incurred which is not a good practice for someone who is just a beginner.
Over all, having an emergency and reserved funds should be of high priority to anyone investing in high volatile asset like Bitcoin since it requires a lot of commitment for a long interval before good profits will be recorded and a huge portfolio will also be achieved so an investor will be more focused on making accumulations during those periods and it will be a setback if one's investment is been withdrawn just because they want to attend to an emergency need which they would have made provision for while making their investments.