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One thing I learnt when I earlier joined this community is the ability to take corrections when you're wrong, so instead of arguing your points, I think I've taken note of some good point of yours concerning this discussion, and I've pondered on it to see that I might be wrong in some choice of words I used in my statement, however it's good you brought them to my notice so I'll take corrections and learn more.
I agree that one mustn't take risky decisions with the hope of tampering with back up funds that should've been used to fix up a real emergency situation and the fact that I fail to differentiate between reserve funds and emergency funds shows that I didn't quit understand his opinion until you made it clear.
I am really in support with what you are saying here, I think the primary purpose of being here, especially in this thread is to learn, and in my own opinion, if that is not achieved, then their is no need being here in the first place, so it's a very good thing that as newbies that we are, we should be open to learning, so that we can be able to navigate our way safely in our Bitcoin investment in the nearest future.
Another thing that I have observed about the whole idea of Bitcoin investment is that, if you invest in it, base on what you can afford, it would be very easy to hold, as long as you have a reliable source of income.