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In all I pray we don't meet issues or problem that is bigger than our emergency, reserves and float funds.
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.
Indeed, it's very important to have discretionary income to invest and also build up one's finances and resources too as this could provide one some sort of leverage against unexpected and unforeseen circumstances that may possibly arise in the future, as it'll allow individuals to tackle the situations without having to dip into their investment for financial support.
Having a solid emergency fund as well as other resources such as your personal savings, reserve or float funds and even insurance can come in handy to cover unplanned expenses or financial shocks like medical bills, car repairs or possibly loss of one's job. All these sort of emergencies could be easily taken care of, while your investment is still left to grow uninterrupted, except of course you intentionally wish to withdraw or sell your holdings.
Your example of unexpected events which you mentioned, like getting hit by a bus and others, points out just how important it is to have a comprehensive and solid financial plan, such as.
1. Emergency funds
2. A sustainable stream of income
3. Insurances e.t.c.The availability of a comprehensive and solid financial plan/foundation helps individuals to be able to navigate unforseen circumstances and make informed decisions when it has to do with their investment, without necessarily having to dip into their investments for financial support to sort out such emergencies.