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I don't know though, I mean as average investor, the money that I invested could be my emergency fund as well.

It is a very bad practice to invest into bitcoin with your emergency income or fail to build one alongside your accumulation journey. It places your investment at risk of being tampered in the face of real emergencies. Emergency funds are built only to attend to real emergencies and no other purpose.

No matter how aggressive an investor want to be in accumulating bitcoin, he or she should never make the mistake of accumulating Bitcoin with his or her emergency fund, it will put his or her bitcoin investment in danger and he or she may end up selling off his or her investment in lost when emergency arise and there is no emergency fund to handle that emergency, emergency fund is supposed to be for only emergencies and not for accumulating bitcoin it is investing mistake.

I think we have been on this strategy of not using your emergency funds to accumulate bitcoin for a while, in added to what you have said using your emergency funds to accumulate bitcoin can lead to forced selling during the market downturn and it can lead an investor to financial Vulnerability what I meant be this is that depleting emergency funds can leave individuals vulnerable to financial shocks. As an newbies or experts in the accumulation system we should all learn to have an wise allocation funda especially for bitcoin investment, while it advisable to maintain a separate emergency funds for needs.

We have three strategy in Bitcoin investment which are: DCA method, buy Dip and lump sum so using emergency funds to buy or accumulate Bitcoin is not a strategy rather it is a wrong investment approach or idea because you will definitely sell pre mature and again the reason we shouldn't use our emergency funds to invest is not because of market downturn but rather it is because of unforseen circumstances that is challenges that will come up during our period of investment and so if one uses the money he or she would have used to solve this problems to invest in Bitcoin then they will have no other choice than to sell there investment so market downturn is not actually the reason why we shouldn't invest with our emergency funds so don't get it twisted.

And as for market downturn people who suffers it are mostly traders who sometimes buy with huge amount of money hoping to sell when the market pump and whenever the market is going in the opposite direction they will sell off immediately and that is loss.