Emergencies doesn't come knocking at the door,it's takes us unaware,it's not because Emergencies are rare we shouldn't keeping stacking but we are stacking to keep us prepared for it when it strikes. We don't know how large and tough it could be because financial Emergencies varies in figures,some might come smaller or larger,it's all depends on how prepared and how big your emergency funds can fit in to solve the situation on ground and that's why it's most considerate to keep growing your emergency funds for as long as your Investment is still running.  I understand an investor main goal is to keeping stashing enough Bitcoin to grow his portfolio but that shouldn't be it's only interest as other important factors like building  an emergency funds helps keeps his investment running smoothly without him tampering with his portfolio in any way in the long run.