You do not have to use emergency funds for investing, no matter how difficult it is when you are short on cash. Emergency funds are meant to be available for you when you need them in unexpected situations like a medical emergency or any other situation that you need quick cash, which is why it is called an emergency fund. If you use that money to invest just because you don't have enough money to continue your investment, you're putting yourself at huge risk. What if something serious happens and you no longer have a backup? Investments are not guaranteed, and anything can happen; you might lose both your investment and your emergency savings.

It’s better to stop investing for some time and concentrate on improving your financial situation. There is nothing wrong with taking a break from investing. Once you've rebuilt your financial situation, you can start accumulating or investing with confidence. Investments should always be made with money you can afford to lose, not money planned to protect you or save you in difficult times. This way, you won't feel any pressure or regret later. Building an emergency fund is important to me, and I will not encourage anyone to use it for investing purposes.