You need a discretionary income to reach your goal. If you set a budget to reach your investment goal, then maybe, you can step away from your investment. For example, if you set a budget that you will buy using the DCA method for the next 10 years, how will you cope if you face a financial disaster?
Investment You can continue to invest on top of your discretionary income and if you do not have an emergency fund, you can create an emergency fund along with investments. First, you need to determine how many BTC you can save in your portfolio or how many BTC you are willing to save. Along with this, determine the time frame of your investment. It would not be right to sell your investment until your time frame is over.
we can also put emergency funds together while buying btc with the dca system and of course that way we will have peace of mind because emergency funds have been owned. but it would be better if we prioritize emergency funds first when we are going to accumulate btc, but of course rather than not buying btc at all while collecting emergency funds, of course it is better to collect btc while simultaneously collecting emergency funds. .
It's true that emergency can happen anytime, and it can happen a day after you just start you Bitcoin investment, but that doesn't mean that you must have it before starting, if you can't put your emergency funds in place while simultaneously accumulating Bitcoin just as you have rightfully said, their is no point waiting, just start, along the line you can start fixing that lapses that may come back to hunt your investment on the longer run, so in essence of what am trying to say is that is very good if you can be accumulating Bitcoin and be putting your emergency funds in place at the same time, but if you can't do that simultaneously, then it's best to start accumulating with the little you can afford, in a few weeks time you can start putting your emergency and reserve funds in place for safety purpose.