Hopefully many of us are figuring out ways to manage our cashflows so that we never have to use our emergency funds.. they are just there in case we have some extreme unexpected shortfall in our income and/or some unexpected increase in our expenses.
Well, surely it is not easy to do multiple tasks at the same time, daily or monthly spending, emergency fund, and investment capital, but when our finance is not good enouth while emergency can suddenly appear anytime, we have to assign part of our income to emergency fund. It's risky to optimistically think that accidents won't appear in next several months so we are safe enough to use all our income for regular necessary spendings and investment. This approach is very dangerous and we might unexpectedly face with an emergency and have to sale off out bitcoins. It's oppositely with what we want and eventually we get loss instead of profit as we initially imagined.
With time, when our emergency fund is bigger, we can reduce its monthly percent of new fund allocation and are able to spend bigger percent of our monthly income to investment fund.