Many guys have already suggested that if a guys is a low coiner or no coiner, then there is no reason to even have an emergency fund prior to having some BTC, yet I personally like the idea of building emergency funds and bitcoin stash size at a similar rate... until the emergency fund gets up to at least 3 months of expenses.
Building up your emergency fund is important because life is unpredictable and you might be in urgent situation anytime. Emergency fund is more vital for people who are living in third world, developing countries where social wealthfare is shit and nearly does not exist.
Are you presuming that building an emergency fund is more important that getting started investing into bitcoin?
Are you presuming that guys do not have any extra cash at the time that they first hear about bitcoin that would permit them to get started investing into bitcoin right away?
Having small or big emergency fund depends on your priority and your personal finance but ignoring this emergency fund building is very dangerous for everyone.
I am suggesting working your way up to three months of emergency fund, but get started investing into bitcoin first and to build your emergency fund simultaneously as building your bitcoin investment.
Generally speaking, when a person builds up an emergency fund to something like 3 months, there is no need to continue to add to it, unless the person is wanting to increase the emergency fund to a higher amount based on their own circumstances, such as if they have some known issues with uncertainties regarding income and/or expenses.
If your emergency fund is big enough to cover your urgent need when it comes, it's enough and no need to add more money to it, I agree with you. When you reach to this cap of your personal emergency fund, you can reserve most of your income for spendings for necessary bills, things and investment.
You don't build your emergency fund prior to paying for your necessary bills, so emergency fund building comes from discretionary income, just like bitcoin investment comes from the same category of discretionary funds.. which means that it is money left after already paying for (or allocating towards) expenses, which include bills.
When your finance reaches to this point, you will feel investment journey more comfortable and practicing DCA will become more easily and effortlessly.
It sounds like you are proclaiming a need to build emergency funds first, and sure you can do whatever you like, but I think that is a dumb way to go about it. From my point of view it is best to get started investing into bitcoin as soon as possible, and one of the only prerequisites before investing into bitcoin is to make sure that you have discretionary income, whether it is $10 or some other higher amount..and then work on investing every week and figure out your other various bitcoin-related and cashflow management skills along the way while you are already investing into bitcoin within your discretionary income.. with hopefully a goal of investing into bitcoin for 4-10 years or longer. If you cannot invest into bitcoin for 4-10 years or longer, then you might not have enough discretionary income in order to establish that and surely there should be efforts to figure out those matters, yet you might not even have to commit to investing into bitcoin for 4-10 years or longer to get started investing into bitcoin, yet it is still important to consider that 4-10 years or longer is likely the investment timeline for bitcoin.