Emergency fund is needed only after starting investment, that is why emergency fund is needed where you can continue investing Bitcoin regularly on a weekly basis. Investing Bitcoin according to the DCA method will allow you to buy Bitcoin regularly and you will also be able to hold it for a long time.
If you spend time in illness, then you may refrain from investing because you may not have money saved, then you can invest Bitcoin from emergency fund. Regular DCA method will be followed to deal with danger and to sustain Bitcoin investment for a long time.
Whether you invest or not, you need to have an emergency fund. You never know when you will have a financial crisis. You never know when you will fall into the middle of a financial disaster, so it is necessary to have an emergency fund to deal with this financial disaster.
DCA method is an investment method through which you can buy Bitcoin at any time at any price. DCA method never helps you to hold your holdings long-term. Holding it long-term depends entirely on you.
It is never right to invest with emergency funds. If you get sick and do not have money to invest, then you can stop investing for a few days, but it is not right to invest with emergency funds. Emergency funds are not always right to take money, when you do not have any money other than emergency funds, you can use emergency funds if you want.
It is a solid point, especially when it comes to not using emergency funds to invest in Bitcoin. Many people don’t realize how quickly life can change unexpected medical bills, job loss, or family issues. If all the money is locked into Bitcoin with nothing set aside, it could lead to being forced to sell during a bad moment, which is never ideal.
You’re also right about DCA. it’s simply a method to keep buying Bitcoin consistently, regardless of the price. But holding it long term depends fully on you. The whole initiative is long term holding and accumulation, and that depends entirely on discipline, mindset, and belief in what is being held.
Even if Bitcoin buys are paused for a while due to financial difficulties, that’s completely fine. What matters most is protecting the foundation. Bitcoin will always present another opportunity, but if you lose your emergency fund, bouncing back from that is way harder.