There is need for emergency fund but having your discretionary Income and getting started is most important, it is important to get started ASAP that is if you have your discretionary ready because it is from your discretionary that you can use in buying bitcoin and then work on your emergency fund and buy bitcoin from your discretionary Income using the dca to buy bitcoin weekly or monthly and hodl for 4-10 longer before then you might have also thought on how to increase your discretionary Income so it enable you to buy and for 4-10 from your discretionary Income.
We all earn more or less income to make ends meet. But if that income can be divided in accordance with the right rules, then life can always be enjoyed beautifully. There are many people who earn good income and live well, but at one point the lack of proper decisions can be seen that life becomes difficult. So we should all divide the income into a few steps. In addition to emergency funds, you need to have a consideration and prudence fund. Emergency funds are needed to meet the daily needs and to sustain it. Need to have a consideration of a consideration. Because if you have a consideration fund, you will be able to create prudence funds and protect your emergency fund that will play an effective role in your long -term Bitcoin investment and the DCA system plays a more effective role in sustaining Bitcoin investment.
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That's why everyone needs to be right with their decision making especially when it comes to management of funds, some people don't know how to manage their funds that's why they mostly have financial issues despite having a good income, when one learn to manage their funds properly, then they'll leave a beautiful and enjoyable life for a life time, it would also aid their investment journey cause they'll be able to separate emergency funds from that meant for investment.
Life can be tough atimes but easy when we make the right decisions, the fact that someone is earning a good income doesn't mean they should spend recklessly, the future matters and that's why investment is very important, having a good income alone is a hope that the future would be better therefore people should learn to spend according to their income, make budgets and set aside funds meant for investment for the future, the DCA have already made it easier for those with steady income to easily invest overtime for the future, but like you said, a person's decision making matters and if they make the wrong decision then they'll regret in future.