I am not sure if you are saying anything, especially since I already mentioned that merely engaging in bad cashflow management can end up contributing to actual emergencies that could have had been prevented or better mitigated with better cashflow management, so maybe we might label some of those situations as emergencies, but they aren't, so if you engage in sloppy labeling of what you believe to be happening, then you can call it whatever you like, while at the same time, if you place specific percentage numbers on it, then surely, those kinds of representations could end up being misleading... or creating an impression that you had gotten the numbers from somewhere when you are just throwing out seemingly random numbers based on somewhat random labels.


Surely, I was not saying that.  I am suggesting not to overly generalize and including that there are guys who might have come to bitcoin early, but they are still building their BTC portfolios, so even if the BTC price goes into $100k and higher they still may well be accumulating BTC for years and years, even if they had already been in BTC for a couple of cycles.


You can make the plan as you go... One of the best plans is to get started, then get your financial shit in order while you had already started, and then tweak your plan along the way including potentially making sure that you are buying some amount of bitcoin every week for at least a whole cycle, and then maybe after you are through a whole cycle, you might start to be in a position that you can reassess with a bit more insight in regards to how much BTC you had accumulated in comparison to your various other personal factors, so yeah it could make a difference if you are brand new to investing at all or if you are just brand new to bitcoin and you already have other investing experience and perhaps other cashflow management experiences.


I surely am not saying that either, since one of the main things that I tend to say is get the fuck started investing into BTC as soon as possible.. You can figure out your various details as you go, and yeah, surely some people get started and they hardly put any effort into learning about the thing that they are investing into and that is likely their problem, but even though people might be looking for easy fixes, I surely am not backing off of my suggestions regarding getting started ASAP...and hopefully the fact that you are investing into something (like bitcoin) will motivate you to learn about it and to figure out your cash management so that you do not get overly reckt.  It is likely that an overwhelming majority of folks have at least enough skills to figure out if their income is greater than their expenses, so if they have figured out that they have disposable income, then they can start to invest into bitcoin.  If they don't have disposable income or they cannot figure it out, then maybe those ones need to at least figure out the basics.. do they have disposable income or not.. .if so, then you can get started investing into bitcoin, whether it is $100 per week, $10 per week or some other amount that seems reasonable based on their own assessment of their disposable income, and then spend some time learning about bitcoin and cashflow management towards the level of their investment and/or perhaps so that they might be able to invest more aggressively into bitcoin rather than probably if they had likely started out somewhat conservative in the event that they might not yet be very familiar with bitcoin beyond having some superficial knowledge that may or may not be correct.


Basic cashflow management.. most people (especially adults) should already know most of those things, and if they don't or if they are kid, then they better spend some time figuring it out, but I don't think that it is too much to expect that people should already know basic cashflow management if they expect to invest into anything, rather than gambling.. but yeah, sure we have a lot of gamblers and people who throw money around like they don't know what the fuck they are doing, and surely they need to figure that shit out for themselves, yet that is not going to stop me from both suggesting that people get started in bitcoin ASAP and presuming that people know how to manage their own cashflows, and if they don't they better figure that shit out if they plan to invest and don't come crying to me and say that I told them to start investing into bitcoin right away and they don't know shit about shit.. including cashflow management or how to do basic math or things like that.. .. that's on them..  I am going to presume some basic skills unless someone tells me otherwise or points to some specific basic area that they might have questions... and there is no problem with those kinds of questions, that's why we have forums (and threads) like this.


Many times investing takes 20-40 years or longer, but there could be some chances that a person might be able to invest on shorter-time horizons, especially with something like bitcoin, even though we cannot take it for granted that the timeline will be shorter than traditional investments, but there seem to be good chances that bitcoin will continue to serve as a good place to put value even if someone might have had figured that he ONLY has somewhere in the ballpark  of $10 per month that he is able to invest, and so in the end, there are advantages towards being able to invest such small amounts, even though it could take a while to build a decent investment if the amounts are so small, so people have to work within their means and figure out how aggressive that they can be based on their own financial and psychological circumstances.


Sure, there are probably a decent number of newbie investors who don't realize that they need to keep some kind of emergency fund, back up funds, reserves and/or float, especially when they are investing into something as volatile as bitcoin, and we might presume some of that is common sense, even though it is a somewhat basic mistake that newbies might end up making yet fairly easily they should be able to learn their way out of something that is somewhat basic like that.


Of course there are a lot of people who either hardly have any clue about bitcoin or they have failed/refused to act in terms of investing into bitcoin, so the fact that somewhere in the ballpark of 99% of the world's population does not own any bitcoin or they ONLY own some token amount of bitcoin, likely demonstrates that we are still early, whether folks want to believe that or not.. the more that we learn about bitcoin, the more likely we will realize that we are still pretty early in terms of both what bitcoin is and what it is likely to become based upon what it is and where it came from.