Of course, none of it is guaranteed, so we have to figure out ways to do our best based on our own circumstances our knowledge about what we know and what we don't know and to stay focused to accumulate as much bitcoin as we are able to, yet without overdoing it or wrecking ourselves in the process, and if we screw up and we get our balances wrong (or we misjudge the information, whether related to bitcoin or something else), we are going to have to take responsibility for the consequences of our choices. There have been people who have wrecked themselves by being over-aggressive, and there have also been folks who have enjoyed quite mediocre performance of their BTC holdings because they were overly whimpy in their bitcoin accumulation, sometimes not accumulating enough and other times selling too much too early. It can take a long time to really build up a meaningful and solid bitcoin portfolio, even if we are able to mostly stay focused and to exercise amongst the best of cashflow management and/or bitcoin accumulation practices.
The price orice of Bitcoin is down again and I am seeing a good opportunity to buy some units because I know it might not fall to 90k before we are going to see bull continuation. Buying and accumulating Bitcoin should not be something that needed to be done using funds that are meant for family up keep or for physical businesses.
Since the price of Bitcoin keeps fluctuating, my advise to most people that do not really have that comprehensive experience about Bitcoin is to buy with funds that are not ready to use because this can make people to buy and hold and after a short while, sell their Bitcoin in losses because they'll need fund to take care of urgent needs.
I have been a victim of selling part of my Bitcoin holding so I can settle some emergency needs that requires setting. This was not a easy decision for me after scrupulous thinking of a better alternative, but when their was non, I have no option than to sell part and keep holding the rest. Everyone need to learn the habit of holding Bitcoin for a long term for maximum profitability.
Generally it is a good idea to figure out some kind of an investment pace into bitcoin that fits within your budget, so you should be taking ONLY from the extra money that you have, and not money that you need for expenses. Surely there are some kinds of expenses that you might not know that come up down the road, so many times it is preferable to keep both an emergency fund and various kinds of back up funds so that you never have to tap into your bitcoin investment at a time that is not completely of your own choosing.
I understand that no one wants to have a bunch of cash hanging around that is not "working" and maybe poor people who get into investing are even more anxious to make sure that they are making their cash work, yet the problem is that poor people have fewer resources to fall back upon as compared with more wealthy folks, so it becomes even more important that they maintain emergency funds and back up funds so that they don't have to dip into their bitcoin investment.
Frequently I suggest 3 months minimum of expenses for an emergency fund, which would only be tapped upon an actual emergency in which other back up funds are exhausted first, and so an emergency fund should not ever be needed to be tapped if you have other ways of making sure that all of your expenses are covered and back up funds, so if things get so bad that you are having to tap into your emergency funds, then there likely would be a need to figure out ways to increase income and to cut expenses. So then we would also not want emergencies to come from poor management of the other funds.
Another thing is that if someone is new to bitcoin and they might not have any emergency fund, then they could build their bitcoin investment and their emergency fund at the same pace, and likely they have to be less aggressive in their investment into bitcoin until they at least have three months of emergency funds in place.. and then they can also figure out how much of the other kinds of back up funds that they need. If their income and/or expenses are quite irregular and erratic, then there surely are justifications to keep more back up funds in place because if you already know that your income and expenses are irregular and erratic, then you already know that you have to keep greater level of back up funds so that you never have to touch your emergency funds for a situation that comes about that you know could come about, since an expected situation would not and should not be considered to be an emergency, unless you turn it into an emergency through lack of proper preparations.