An emergency fund should be considered essential by anyone considering long-term Bitcoin investment and not wanting to disrupt their Bitcoin balance every time they need cash. However, I recommend everyone have a steady job with a regular income stream so they can manage it carefully, including allocating a portion of their income to an emergency fund and using the rest as capital to buy Bitcoin. Because this can provide two distinct benefits, some investors often increase their monthly income to increase their capital to buy Bitcoin, even though their emergency fund may remain the same. Therefore, such things must be planned and managed carefully so that when difficult times arise, we can still weather them with cash without sacrificing the Bitcoin balance we've accumulated over time.