It’s quite alright accumulating bitcoin using a reserve funds to an extend. It’s not a must waiting for the dip meanwhile having the plans to replace back the reserve funds should be the top aim after buying the dip or using any strategy of your choice. Aggressive buying using a reserve funds is absolutely wrong instead I will urge every investor to accumulate using the little or big they have although the reserve fund is always useful so long as an investor can save back the funds to a higher amount they can consider using it most times it doesn’t necessarily involve bitcoin rather some other plans.
If you use your reserve funds to buy Bitcoin what then now happens to your discretionary, is it not your discretionary you are suppose to use while buying or accumulating Bitcoin. The discretionary is mainly for Bitcoin investment if one is an investor while the reserve and emergency funds are for unforseen circumstances that may likely come up because as long we are living there will always be a challenge or something to take care of with money so if an investor used his or her reserve funds for buying Bitcoin then when need arises he will have no other choice than fo use his discretionary which is not actually bad but it is wrong mentality, business people are always creative people, they try all their possible best to do things in a way to minimize stress and running up and down.
Using reserve funds to invest in bitcoin, whether aggressively or DCA, in my opinion, this action is very inappropriate to do. Because don't think when you use the reserve funds you have to invest in bitcoin, and you think your life will be fine, I think you need to think deeper. Because the logic is like this, if you invest aggressively in bitcoin and your discretionary money is gone, then after that you use reserve funds, I think if you look at the worst possibility you will experience a loss. Because it could be when the reserve funds and discretionary money you have have been invested in bitcoin. Then after that comes a problem that requires fast money, of course you will inevitably sell the bitcoin you have at any price to cover the urgent need. Maybe it's still better if when it's sold the price goes up, or it's still at the price when you made the purchase. But what if when you sell the bitcoin the price goes down, of course it will be very detrimental to yourself. That's why in my personal opinion, investing is enough to use discretionary money only, whether it's done aggressively or not. Because even though you invest in Bitcoin, you still shouldn't let your emotions get carried away.
Your post makes it look like reserve fund is the same thing as funds for basic needs or emergency fund, this actually got me confused initially thinking I don't know what reserve fund is again. From what I understand about the reserve fund, it can actually be invested aggressively into bitcoin using buying the dips or even the DCA method. I knew reserve fund to mean money set aside to be invested maybe under certain favorable market conditions, this being different form the funds for any ongoing investment, emergency or basic needs. Assuming my basic needs will take 20% of my monthly income, which I decide to invest 40% of my income into bitcoin using the DCA method and set aside 20% for emergency, I can decide to also set aside the remaining 20% as reserve funds to be invested sometime in the future. If the future finally arrives and I see a motivation to invest the funds through lump sum buy or any other method, I do no see anything bad with this approach.