It makes no sense for any newbie to be holding excessive funds in dollars rather than investing into bitcoin, so why the fuck would they be holding 1-2 years worth of cash? It is already a struggle to get back up funds between 3-6 months, an there is no reason to build up back up funds prior to investing into bitcoin.
You are right JJG, because holding funds in dollars won't yield any good thing from it but I have come to realize that the reason why some people ( newbie and...) hold excess dollars is for the purpose of trading it with other fiat I have a friend who does that though some newbie tends to hold or store excess dollars before they start investing which is not the right thing to do because a lot of chance will be missed in the market, so it is always good while holding your dollars you are at same time investing in Bitcoin and that is even the best because you may not know when you will grow your portfolio so big.