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Reserve funds is meant to be used for future cost and other unexpected things especially if you don't want to messed up everything especially with your investment started. That's why we should come well prepared so that we will not fall down easily when there's sudden shift of the market knowing how volatile the market is.

Also people should not afraid to use it if this this will give them more good result. But make sure they are not taking everything excessively so that they won't messed up and make sure they follow their plans and so that there's no possible problem will occur to them. For any future issues coming I guess our emergency funds will cover that condition, that's why we need to have proper budgeting and came prepared so that we can make our chance to succeed higher for our Long term investment plan.

We just need to have good discipline and good cashflow to make everything works according to what we like to happen.

Reserve funds is not the same thing as emergency funds and both served different purposes.an investors that has $90 as his dissertation can decide to be using $10 for his weekly or monthly DCA and the remaining $80 in his reserve funds.so when ever a dip occurs he can use money from his reserve funds to buy the dip.He can decide to use 80% , 20% or 5% of his reserve funds to buy the dips depending on the level of the dip and the choice of the investor as to the percentage of his reserve funds he is to use to buy the dips.

Any new investor or low coiner that has a $90 discretionary income, and decided to invest only $10 every week on bitcoin as the amount that he is using to DCA, and keeps $80 in his reserve funds for the dip is not a serious investor and is not ready to build his bitcoin investment in ac fast pace. It's bad to keep too much fiat currency with you all in the name of waiting for the dip that you don't know when it will come.

You will also miss out the good chance of investing aggressively with DCA a neb increase your portfolio faster. The funny thing is that the dip may come or not and before you know it other investors portfolio have grown to a certain height and yours is still very small because the dip does not come all the time, which is why regular DCA is good to keep your accumulation journey ongoing with persistent, consistent and aggressively.

If I was in your shoes, and want to set up my reserve funds, I will use $50 for every week DCA, and keep $25 to build my reserve funds to a certain height, and after that, I will use all the $80 to invest aggressively based on my financial scenario playing out at that moment. It's wrong is you can invest aggressively and you invest in a whimpy way. Your focus when investing on a long term should be how you can keep buying bitcoin continuously, persistently and aggressively or frontload overtime by looking for other means of income to increase your discretionary income and not to be keeping our discretionary income to accumulate bitcoin in a slow pace.

I agree with you here. $90 and $10 man such investor will be seen to be an unserious investor or a greedy one. Only an investor who is not ready to invest properly into Bitcoin will invest only $10 out of the $90 discretionary income. Unless he has other places he is investing into it. Maybe he is diversifying his portfolio so he only choose to invest 9% of his discretionary income in Bitcoin but that is not an ideal way to invest.

For newbies that just started its either they should focus on Bitcoin on the early stage rather than diversifying into several asset with the same frequency they are using to DCA in Bitcoin. After they must have had a good amount of Bitcoin in their portfolio they can choose to diversify. Diversification should come only when they are properly settled with the first Bitcoin investment goal if not they will only end up having little amount of Bitcoin in their portfolio. Meanwhile on the contrary they are jeopardizing their investment gradually thinking they are investing the right way.

I disagree with you, if someone is earning $90 a week or a month and then the person decide to use $10 to be accumulating it is not wrong reason because you don't know what the person is taking care of and before he decided to use $10 it is possible that it is the only money he or she can spare or let go as a matter of fact the $10 is even more than 10% of $90 so it is not wrong rather Bitcoin investment most times is based on capacity how much you can handle your investment so that you don't run into problem.

When it comes to bitcoin investment it is advised we use only our Discretionary income to accumulate so it is not about the amount of money you are earning weekly or monthly it is about how much discretionary income that is lift for you, so if you are earning $100 or $300 weekly or monthly and the only money lift as your discretionary income for that week or month is just $10 or more then that is the only money you should use for your accumulation if you use more than that then you may face financial issues later in the future that may lead you to dip hands into your Bitcoin investment so it is better to stick only to your discretionary income to avoid delay in your Bitcoin accumulation journey, it is better to invest in the right way than investing in the wrong way.
Some set of people has messed up there Bitcoin investment because they wanted to catch up, Bitcoin is still growing so no need to rush accumulate with just your Discretionary income no matter how little it is, it will save you from messing up your investment.

You’re right to some certain point, yeah if you go into investing in bitcoin with money you can’t stay without using for long you may end up regretting , in situation like this recent dip in market if you use such money like your house rent , school fee etc to invest the chances of you selling in loss is pretty high so avoid such .

When investing in bitcoin there are sometimes you need to be aggressive because if you continue to use only little percentage of your money , you will only slow things down like using $10 while you know you can increase it without it affecting you financially, like times like this with the market recent dips some folks tend to be more aggressive in their accumulation trying to make better use of any opportunity they got but without over doing it though which will speed up the pace and same time be in a safer side .

Of course being aggressive sometimes make it very faster and easier for us to meet up our target so quickly than when we are accumulating using a smaller amount of money, though I think the money we have in our discretionary fund is what matters.

Because most people are so unfortunate which is why they don't invest aggressively, because they wouldn't want to be affected financially. This is why they choose to go with the little amount they have in thier discretionary fund of which is not also a bad ideal. Rather, is going to take a lot of time before they could meet up thier target that's depending on how consistant they're in the accumulating process.