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Having a stable income every month isn't compulsory before you can invest in bitcoin. There are some people who are contractors that get their contracts for twice or once in a year. They can also invest in bitcoin by taking out their discretionary income and spread it across various weeks overtime. He can also front load his bitcoin investment. You can hit a jackpot and use the money to invest in bitcoin and hodli for long.
Emergency funds should be set up when you have started your bitcoin investment and it should be at least three months of your salary. You don't need to touch your emergency funds when there's no real emergency, so that you don't exhaust it for unnecessary purposes. Your income should be used to take care of your basic needs and monthly expenses. It is only when a real emergency arises that you should use your emergency funds to take care of it. After using part of your emergency funds, you should refill it back.
Of course, anyone who is ONLY paid once or twice a year is going to have troubles in regards to managing cashflows, and so they will likely need to hold larger amounts of cash for their various expenses, and then also there may be some discretionary amounts that are used for making investments. so surely, the less frequent a person is paid, then the more cash that they likely need to hold in reserves in the event that they might mistakenly calculate their various expenses through the year.
If they front load a portion of their available funds into bitcoin, then that money would be locked away for 4-10 years or longer, so if they run out of funds and/or back up funds and/or emergency funds during the time between getting paid, then they would ONLY have access to their bitcoin in terms of funds that would be liquid, so for sure, the less frequent a person is paid, the more otganized that they are going to need to be in regards to their cashflow management and/or back up funds.
This is why one have to focus also on their back up funds as they are accumulating more bitcoin, so that they will have enough funds to sustain themselves before they will reach their accumulation goal.
That’s why is advisable not to go overboard when accumulating, so that you won’t exhaust all your funds in buying bitcoin (in terms of investing in it ), because if you do so you won’t be able to secure a smooth investment rather you will end up depending on that same bitcoin stash you are trying to build when it comes to taken care of expenses .
So better to be aggressive without over doing by also having some back up funds and some emergency funds so that you won’t end up depending on your bitcoin holding when you haven’t gotten anywhere in your accumulation process .