Well arrange @OP, but where some people get it wrong most times is when they have a reckless spending habits, an act of uncontrollable spending habit, and with such habits it becomes difficult to keep emergency funds or even accumulate Bitcoin, such people continue to give themselves false hope that they will have to settle all their needs first before they can start saving or investing but they don't realize that time doesn't wait for anyone.

So what I will like to add is that, anyone that discover that they have the reckless spending habit should fix it first and start making a budget spending because if they don't, they will find it difficult to follow all this steps you have put together and they will continue to procrastinate investing while time is going. Let them fix their spending habit and start to accumulate with any small amount, the money must not be big first before you can invest.