To maintain investment consistency, I recommend a strategy that is very realistic for an investor to follow, such as if your discretionary income is 5% of your total income, then it can be considered very simple to allocate 4% of it to Bitcoin accumulation and the remaining 1% to an emergency fund. Therefore you can cycle for four years but even if it is not a decent holding for you, it will become a great habit to hold Bitcoin and will encourage you to cycle more.
I agree with you here, most people think they have to pour their entire discretionary funds into bitcoin investment, they forget that saving is a way to ensure that they don't get caught up in some kind of a financial crisis later in their investment journey, any smart investor should know to not invest with all their discretionary funds but to instead keep a certain percentage of it for a range of other purposes (emergency situation) this way they can relatively handle unexpected events that come up, sometimes our insurance aren't paid in time and we don't usually have the luxury of waiting for it, situations like this are remedied by our emergency or backup funds until insurance is cleared.
Investors need to understand that keeping some money aside from their discretionary funds is one way to safeguard their bitcoin investment.
Yes, some people make the same mistake with emergency funds, they are not committed to keeping it or they are lazy. For those investors, this element of long-term bitcoin investing should be known so that they can correct their mistakes. I think the problem of not having an emergency fund/floating cash to continue for the long term affects the investment negatively to a greater extent. If you want to verify your experience by conducting some simple surveys, you can review the experiences and opinions of some investors and see where the main obstacle was in their long-term investment. Most of them will express their opinion about their negligence regarding emergency funds and they will mostly say that the main purpose of withdrawing the investment is to urgently need money. They were forced to stop their valuable investments midway due to the low amount of floating cash to deal with unexpected events. Sometimes insurance payments, emergency health checkups and services require additional cash funds.
If they can divide their income into separate parts and determine their own strategy, they will be able to perform properly in every aspect, including accumulation Bitcoin and meeting the daily needs of their family. In fact, long-term investment is not a matter of applying pressure, it is about applying the right strategy and keeping yourself mentally prepared just like doing duty properly.