JJG Sir, I think,
Where should the money for the emergency fund come from? Money provided for basic needs or discretionary income? I think we should be a little clear on this.
From my point of view, since emergency funds are very important to make our investments sustainable, I think the money for the emergency fund should be included in the money provided for our basic needs. Because an emergency fund is very necessary to sustain our invested bitcoins and to deal with any emergency situation. So even if a person cannot afford to invest, I think it is necessary to form an emergency fund even if his basic needs expenses are reduced to a minimum.
Yes, when a healthy amount is accumulated in our emergency fund, we can bring it out of the basic needs, then we can put more money there if we want, or else we can use the money budgeted for the emergency fund to aggressively grow our bitcoin portfolio.
There are also many who want to aggressively buy Bitcoin in DIP at other times, they can create a separate fund with that money to buy Bitcoin in DIP.
Although I don't like to do this. I buy Bitcoin aggressively when I have discretionary income and when my discretionary income is low, I buy Bitcoin according to my ability.