I get the logic behind having an emergency fund before buying Bitcoin, but in reality, it is  not always practical,especially for someone with a small or irregular discretionary income. Waiting months to build a fund before getting any exposure can mean missing out entirely if the price moves significantly in the meantime..........imagine someone has $100 left after covering basic needs each month. If they spend five months saving $500 for emergencies before buying any Bitcoin, they risk sitting on the sidelines while the price rises 30 to 40%. Instead, they could put $20 into Bitcoin right away and use the remaining $80 to start building their emergency fund, adjusting the balance as they go. This way, they are in the market early but still working toward financial security.

An emergency fund is still essential because it stops you from panic selling Bitcoin when life throws you an unexpected bill. But it doesn’t need to be fully built before your first satoshi. A balanced approach is buy small amounts of Bitcoin early, build the fund in parallel, and never dip into it for investments... that keeps you both protected and invested.