I think with bitcoin, one of the best things is to get started as soon as possible. You can work out the details as you go.
Don't get me wrong, there are a lot of good things that come from planning, but you can still get started buying bitcoin and plan at the same time.
When it comes to bitcoin I don't think we need to put everything in place before we can get started with bitcoin, because waiting to put everything in place less emergency fund, back funds and so on may delay your bitcoin investment journey. Remember what you need to invest in bitcoin is your discretionary income, If only you can map out your discretionary income from your main source of income after you must have settled your basic needs and expenses then you are good to go with bitcoin, and still plan ahead instead of waiting to plan first before you can get started with bitcoin. Remember bitcoin price wait for nobody the more you keep waiting the more bitcoin price keep increasing, so get started, because getting started with bitcoin is very important before any other plans.