Yes, I agree with you. As a new investor, it is not a must that an investor has to start building their emergency fund before investing in Bitcoin, or that they must start saving for an emergency fund at the same time as buying Bitcoin. However, if the investor has the money to start funding their emergency account while also starting to invest in Bitcoin, that is also a good idea.So, it is better to focus on Bitcoin investment rather than waiting to save up enough money to build an emergency fund first. People should also understand that their emergency fund does not need to be equal to or even half of their investment. An emergency fund is just a certain amount of money set aside for unexpected situations. As you said, three months of someone income should be sufficient for an emergency fund.