Emergency funds! Aren't this fund coming out of surplus? Firstly, it's when someone has funds in surplus that he can think of having an emergency funds. Even though I understand where you're driving at, but in as much as one needs these Emergency funds just incase of an emergency as the name implies, we still need to consider that before this can be achieved, one can only keep this kind of funds out from his surplus.
A surplus is created when someone's expenses are less than their regular monthly income. This means that this is more about net income, part of which is used for living expenses, and the remainder can be used for an emergency fund and for Bitcoin investments. The amount of the emergency fund doesn't necessarily have to be larger than the investment amount, as large sums of money left idle for a long time won't generate more money. However, when the money is used as an investment tool to buy Bitcoin, the benefits become clearer, so the primary goal, such as continuing to buy Bitcoin, must remain consistent over the long term. However, if the primary goal is constantly being hampered by the emergency fund, I think the planning needs to be re-evaluated so that everything can run smoothly.