having too set of funds to buy the DIP and to settle real issues when they arise is also a good idea, for those rich investors who have steady flow of income coming in, but for investors who are still new to bitcoin investment, who don't have steady flow of income but are earning weekly or monthly from their works shouldn't buy that Idea of have two separate funds one for buying the DIP the other one for real issues.

The best way is to accumulate bitcoin with your discretionary income using the DCA method with consistency of buying bitcoin weekly or monthly, and stay commitmented to your accumulating strategy, for you we still accumulate a good portion of bitcoin without buying the DIP.

Buying the DIP should not be a problem to a newbie who is just starting his or her bitcoin accumulating journey, buy with DCA and leave the DIP, when you have accumulated good portion of bitcoin you can buy the DIP if you want to.