You have elucidated your point obviously and I would commend you on that. But I also stand to say that the level of reserved funds you described here are almost impracticable to many investors and/or Newbies. A salary earner knows when he would see his salary and already knows the amount. This allows home to almost rotate their circle of expenditure and also place it hierarchically.
Emergency funds are all-important and a must have. Keeping enough reserve funds could save your life anyday. Before you invest, you save your reserves and you also need to save up fiats, cash at hand also.
Your comment is very misleading. There is no need to save reserves or save cash flow before investing. You do not have to wait for anything to invest. If you delay investing to save reserves or save cash flow before investing, then you may miss out on many buying opportunities during this time. What can you do with reserve reserves or save cash flow if you do not already have any investment funds?
Yes, you can strengthen your financial management by using these in real life. But you should not delay investing in any way to save reserve funds or save cash flow. This will not only make you lose buying opportunities but also delay achieving your goals. So make sure you have sufficient basic knowledge for investing and have a prudent source of income. I think you should not delay investing for anything else.
You can create these along with investing. By building on top of your stable income, you can build an emergency fund alongside investments.
As a newbie, no coiner or low coiner, you don't need to have reserve funds or remainder from your salary before starting your investment, all you need is your discretionary income to start investing in Bitcoin, your discretionary income happens to be that money remaining after putting in place all your important expenses, remember that your personal expenses is first and the remaining cash be shared, and if at the end of your expenses you don't have any money left for your emergency ,you can start building your emergency fund at the same time when you are start buying Bitcoin and that is why it is adviceable to start buying Bitcoin using the DCA strategy in other to help you start little by little before you upgrade when your income is ok by you to comfortably carryout all your backup funds.