There are so many folks who do not have any investing experience, so frequently, they have to figure out how to set boundaries, especially if many of us know that if we go into something like bitcoin, we should be investing an amount that we are not expecting to see or to access for 4-10 years or more into the future.

There are surely some folks who are already used to investing, so they already know how to put away a certain amount of money without going overboard and without going into money that they might need for their expenses, either in the short term or some further out point down the road, so if we trajectory out our income and our expenses, we can get ballpark ideas for how much money we need each month, and surely the money is more important to specifically have during the month that it is due, yet if there might be some expenses we know are going to be happening 2-3 months or even more into the future, we should be trying to make sure that our budget is going to cover those further out expenses, whether they are coming from actually then cash flows, or if for some of the expenses, we may well have to save up in advance to make sure that we have enough cash on-hand when the expenses come due at the later date down the road.

So, as you know, I am not against the idea of investing as aggressively as you can, even though you have to also account for your own boundaries, and if you are not sure if the money is available or is going to be needed in the future for expenses, it is likely better to error on the side of keeping your money available until your expenses are confirmed rather than investing it and then realizing that you made a mistake.. and sure we all make mistakes, which is another reason to build and maintain various kinds of back up funds.