Yeah you are right having an emergency funds is very important when you are an investor because it helps you during emergency time, it makes things more easier for you the reason why I'm saying this is because I remember when I had an accident years back and I was saving some money I used that money I was saving to take care of the hospital bill a friend of mine that was also involved in the accident with me borrowed money in other to settle his own hospital bill, now if he had a Bitcoin he would have sold it in other to take care of his hospital bill instead of borrowing but if I had a Bitcoin then I wouldn't have sold mine because I already have a backup funds that will settle the medical bill for me, so having an emergency funds as an investor is part of the things that will help you keep hold to your Bitcoin investment and should be taken seriously by everyone especially long term Bitcoin investors.