Post
Topic
Board Speculation
Re: Discretionary Income vs Emergency Funds: Why It Matters for Bitcoin Investing
by
Webetcoins
on 22/07/2025, 09:25:22 UTC
‎‎I get your point, and yes going all in, can amplify gains during a bull run, but it also exposes you to unnecessary risk. Holding emergency cash isn't about being negative, it's about being prepared. Imagine losing your job or facing a health issue during a bear market if all your money is in Bitcoin, you might be forced to sell at a loss. That’s not strategy,that’s desperation.

‎Smart investing isn’t just about chasing profits, it is  about staying in the game long enough to realize them. Keeping some cash on the side actually protects your Bitcoin stack, because it gives you the freedom to hold through dips instead of panic selling.

‎So yes bet on Bitcoin’s future, but bet wisely. Risk management is part of the strategy.
Why always assume the worst and lose gains because of it. You are saying two negative things needs to happen all at the same time.

First, the price of everything should fall, so we are in a bear market, AND then we are going to lose our job at the same time. Isn't that really weird that you want to lose possible gains for a back to back possible bad things?

I do not agree that it's being "prepared", it is being paranoid after a point. If you really want to, 10% of your portfolio could be USDT, and that way you could have some emergency fund.

But, I believe AT LEAST 10x of your emergency fund should be in BTCitcoin.

I am not saying go buy some shitcoin or memecoin, I am saying bitcoin itself, the big coin, the top dog, it is not going to crash and then you lose your job, that is way too low chance.