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If you have a steady income and discretionary income, there is no need for you to delay your bitcoin investment or try to buy bitcoin later when you already have the money to invest in bitcoin now. Delaying your bitcoin investment when you already have the money that would have allowed you to invest in bitcoin comfortably will likely make you not to invest in bitcoin when you are ready.

This is true. But investment is by choice and willingness. Someone might be financially ready but not mentally he is not. It might be that he needs to know one or two things about Bitcoin investment before jumping into it. However, getting little knowledge does not take long one or two days is enough so that shouldn't be an excuse. I also notice that many persons due to other failed investments they have done in the past still have this fear in them on investing into another asset like Bitcoin. Well, such persons should guided and mentored so that they can overcome the fear and start their investment.

Investment requires both financial and human preparation, but the investor needs to understand whether he can benefit in any way by delaying here. He may need knowledge before investing. but holding does not require much knowledge. In some cases, it may be that the money you are providing for investment can be spent on other things. Therefore, delaying investment after the financial system is not beneficial, but can also hinder Bitcoin investment. If you have your own financial capacity and a certain income, it is better to implement the principle of holding Bitcoin regularly as soon as possible. A Bitcoin investor needs to understand that the longer your investment is delayed, the more you will loss.

There is a rationale for having an emergency fund for a longer period of time as it gives more importance to long-term investments. With the increasing need of people for money for their daily living and various needs, floating funds are needed to meet the investment needs. For example if you consider a part of your salary to deposit Bitcoin strategically for each month then naturally you will keep Bitcoin from your discretionary income excluding the part of your household expenses. After a few months you may face unexpected situations so you should keep another part of your salary as an emergency fund/floating cash.

Your idea may be considered correct that an emergency fund for 3-4 months may give the investor a simple backup that will prevent him from withdrawing his Bitcoin stash or in case his fund is not sufficient for the immediate needs he should prepare the ground for storing an emergency fund for more months so that he can feel comfortable to continuously accumulate Bitcoin for two or more cycles.

An emergency fund for a year or two or more years to sustain Bitcoin year after year, depending on financial capacity. For the beginning or intermediate stage it is recommended that investors gradually increase their emergency fund so that they feel more motivated to front-load and effectively hold Bitcoin later.

If you choose to delay your Bitcoin investment you are not losing anything at that moment, some people choose to delay there Bitcoin investment because they want to build a strong emergency, reserve and float funds first, yes you can start your Bitcoin accumulation and also be building your backup funds which is your emergency, reserve and float funds at same time, but one thing we most no is that is not every human that likes to rush things some set of people usually don't like doing two things at a time especially when it involve financial resources, it could be that his or her financial strength can't carry both Bitcoin accumulation and building a backup funds at same time, so if a person is delaying because he wants to take his time before going into Bitcoin accumulation is not a bad idea, it is better to start late and accumulate enough later, than to start quick and end up stopping and even selling of all your Bitcoin because of financial issues, if you know your financial strength can carry both building your Bitcoin and your backup funds then you can do it but if it can't then build your backup funds to an extend before starting your Bitcoin accumulation.

If you have finally build your emergency funds, you can channel the money that you are using to increase your DCA amount and invest aggressively to cover up all those times that you have been building your emergency funds. Setting up an emergency funds shouldn't be an excuse for anyone not to get started with his bitcoin investment immediately with his discretionary income.

The purpose of creating an emergency fund in depositing Bitcoin is so that for some reason he does not need to withdraw money from Bitcoin or there is no obstacle in investing in Bitcoin. But if an investor does not deposit Bitcoin but spends time on emergency money, it is useless. First, you must invest in Bitcoin and then gradually you can create that emergency fund from a small part of your income. In addition to regular investment in Bitcoin, if an investor can create a back up fund or emergency fund within 3-4 months, then he can be much safer in investing in Bitcoin. If someone is a little lazy or delays for investing, then he should understand that If Bitcoin becomes more bullish in a short time, those who are preparing to invest there may face more losses.

You are really making sense and at same time you are confusing me, having emergency funds is very good and necessary as a matter of fact after knowing how to manage your investment, discipline and patient, emergency funds is the key for every successful investment because if it is not there whether you know how to manage funds or not, whether you are patient or not, whether you are discipline or not, one can not be able to do anything because surely unforseen circumstances will arise because we are human so you saying that saving or having emergency funds for 3-4 months will make an investor to be safe is what I don't understand, do you mean that emergency funds for 3-4 months will sustain an investor for years or is that after 3-4 months an investor won't invest again? And what do you mean by if Bitcoin becomes more bullish in a short term, those who are preparing to invest may face losses how? And I wish to remind you that Bitcoin is not meme or shitcoin in case you have forgotten.