You both are absolutely right because Bitcoin investment is always necessary to setup a good plan for yourself so that Incase if any emergency comes out you can be able to settle it without touching your Bitcoin. At least before thinking of investing in Bitcoin would should always be aware that Bitcoin is not a get rich quick scheme, it required a enough time for you to get a good profits from your Bitcoin investment.
Bitcoin is truly not a scheme or a magic wand - and only the funds that are okay to invest should be put to good use - otherwise, your Bitcoin will need to be turned back into the fiat in the emergency we talked about.
Little by little, a person can accumulate Bitcoin and learn more about it.