Balancing your financial security is a good thing while investing in Bitcoin because investing in any business whether in crypto or any other business without giving much attention to saving is no a good practice as it will affect your financial stability and emergency fund should be as a matter of fact be compulsory for any individual who is ready to investing in Bitcoin because there are other things that will also need finance so putting all your money inyo Bitcoin accumulation will be harmful because Bitcoin investment is focused on a long term basis
If you focus on one thing, then your other side may suffer. You have to balance all the aspects. For example, along with investing, you can create an emergency fund. If you want to invest $5 and if you don't have an emergency fund, then you can keep $2 for the emergency fund and invest with $3. When your emergency fund is fully formed, you can invest the entire amount that you have allocated for investment. In this way, you have to maintain all your aspects properly. If you stop investing and start creating an emergency fund, then it will not be the right decision at all, you have to keep all the aspects in order.
I think you're misunderstanding the theme (balancing financial security and bitcoin accumulation.) you should know that some person's may not be able to balance all this at same time so for this reason they would have to do it one after the other until they finally gain thier balance, so you don't have to say that if you focus on one thing that is going to affect others,
rather it can only delay us from getting started, since they would want to start from building thier emergency funds and thier discretionary funds to enable them get start with their bitcoin accumulation then reserve funds can come later
. Because if you try to balance all this at a time you may likely get affected in one way or the other, so I feel that balancing financial security and bitcoin accumulation should be done gradually.
You don't need to build up your emergency funds before you can invest in bitcoin, neither do you need to build your discretionary income to enable you invest in bitcoin. Discretionary income is the extra money after you have taken care of your basic needs and monthly expense. That's the money that is your discretionary income and should be used to invest into bitcoin right away even if you don't have an emergency funds available.
There is no need of waiting and wasting the precious time that you should use to start your bitcoin investment and grow it over time with your regular weekly ongoing DCA overtime. You can share your discretionary income into two part, one your your weekly DCA whenever it's available for 4-10 years and above. The second part should be use to build your emergency funds for at least three months of your income. It will put you in a better place compared to when you are a no coiner and piling up too much of fiat that depreciates overtime. Starting your bitcoin investment should be your priority no matter how little the amount is. Your emergency funds should be your second priority because it serves as backup to your bitcoin investment.
Bitcoin investment is a long-term for the future and the price increases overtime, which makes it very dangerous for you to be waiting as a no coiner. The price does not wait for anyone take for example the price of bitcoin last week and look at it this week. If you wait, you will miss out the opportunity in the market. There is no fun staying poor.