i have practicing having emergency fund with my investment and outside my Bitcoin journey i have been make sure that my emergency fund is always available to cover when the needs arisess, i really appreciate some of the forum topics because they really help me to build up the better me today.
Emergency funds is not to take care of our needs when they arises, rather emergency funds should be kept aside and should only be used to take care of real emergency(unforeseen circunstances) when they arises. Example of real emergencies are lost of job, critical accident, the roof of your house blown off by storm. You have to solve any of this problem when it arises, otherwise, it will lead to more damage.
Your income should be what is used to take care of your basic needs and that's why you must first sort your basic needs and monthly expenses first after you have recieved your income, so that, you can know how much is left as your discretionary income.