Before an investor begins to accumulate Bitcoin for the long term, it's important to establish a savings fund and an emergency fund. These funds will help maintain a stable investment portfolio and prevent the need to sell investments prematurely, especially when they are still in the early stages. Having reserve and emergency funds is crucial for Bitcoin investments, as they will allow you to address your needs and any unforeseen circumstances. This way, you can continue to accumulate Bitcoin over time using the DCA strategy, which is popular among investors.
Don't overcomplicate the process of investing in Bitcoin because it should be easy for everyone including new investors. Telling someone to establish savings funds and emergency funds is somewhat confusing because it might send the message that someone have to save in fiat first before buying Bitcoin. This is totally wrong; the money you are saving in fiat can simply be used to buy Bitcoin instead of saving in fiat. Going by your suggestion, someone may decide to save fiat for 3 to 6 months with the intention of using same to purchase Bitcoin... this I consider not effective instead that amount could have been used to buy Bitcoin for that 3 to 6 months using the DCA method or any other method as the case may be.
The right thing to do is to set up emergency fund after funds for basic needs have been set aside and investment made with discretionary income. In other words, whatever inflow you receive, just set aside the mount to cover your basic needs then you can invest part of the remaining then keep some one place as emergency fund. It should be as simple as this to produce effective result and also easy to follow.