I think that you are coming to the wrong conclusion Bluedrem, and that the better course of action is to get the fuck stared rather than studying the matter, and surely, one of the problems of poor people is that they fail/refuse to create and to maintain emergency funds, and so rich people have the advantage of having all kinds of resources and emergency funds to fall back upon if they fuck up, yet poor people get shaken out of their BTC investment when the fail/refuse to make sure that they are more organized than the rich person in order to protect themselves.
You do not need to study the bitcoin matter and/or the cashflow management matter in order to get started investing into bitcoin sooner rather than later (as long as you have a discretionary income) and stop procrastinating whether you are a rich person, poor person or some other category of person who happens to not have enough BTC yet has a discretionary income, which is about 99% of the world's population does not have enough or any bitcoin, currently.
You're absolutely correct, overthinking can indeed potentially lead to paralysis. The best way to get started is to take the first step, even if those steps are very small, at least it's better than waiting for a perfect time that may likely not even come. Bitcoin accumulation and building an emergency fund can actually be done simultaneously,
I actually created a topic on how this could be achieved. Having a solid financial backup or safety net can indeed provide peace of mind and also reduce stress too, it allows you to think straight and take more calculated decisions and risks with your investment.
I couldn't agree more with you point about not having to first study extensively before getting started in Bitcoin investment, and this is in fact one of the biggest misconceptions that majority (who plan to get started) often have about Bitcoin investment. It is very possible and even advisable for people to invest in Bitcoin with their discretionary income, regardless of their financial status. Most of the times, the most important step in everyone's journey is that first step of getting started first, and every other thing can actually fall in place later on. By taking action and commit themselves to consistent accumulation, investors as they proceed and advance, can learn and also adapt to the situation.
It's important to note that many people who are successful Bitcoin investors today didn't wait till they gain all the knowledge about investment first before getting started, financial literacy and experience can actually be developed overtime. Starting small and staying consistent can really help in building one's knowledge and confidence as they advance further.