Put 3 times your stable income in the emergency fund and reserve fund.
Do you really know what you are saying? had it been you said 3/4 of your discretionary income it could have sounded better than saying x3 of your stable income. Let me make it clear to you because i can see that you think emergency and reserved funds should be a fixed amount but if that's what you are trying to spell then you are wrong because it's from your discretionary income that you will scrap out emergency and reserved funds which means that each time you DCA, you will have to cut out some money and add it up to your existing emergency and reserved funds. They are not fixed as they vary based on how much you can be able to make available
after your DCA amount have been taken care of, any amount that is left can stand for emergency needs and as reserve funds.I would say that after our basic needs money has been allocated, the next inline should be our emergency funds before the DCA money and the rest of it like the reserve funds and float cash, where it only becomes problematic is when you decide to wait until you have an emergency funds prior to getting started but on the occasion of already starting accumulating Bitcoin, in the scale of preference for me I would prefer allocating to my emergency funds first before considering my DCA amount based on the available discretionary income.
What if you already have an untouched emergency funds that you have stacked up in the previous months, do you still go ahead to allocate more funds to the unspent emergency funds? Personally, I would say no, when I already have unspent emergency funds that was saved from the previous month wages, I would then allocate more fund to buy more Bitcoin, the money that would have been kept as emergency fund for that month would then go into my DCA money because there's no need to add more emergency funds when I already have enough there.
Tho, some people can have endless emergency depending on how they are living their life or they know how much they intended to keep as emergency fund, that's why they might keep allocating for it every month even if the ones of the previous month are yet to be spent.