Quote from: Regardme on Today at 04:27:54 PM

Quote from: Sim_card on Today at 03:34:53 PM

Quote from: yixichloro2xx on Today at 01:20:47 PM

Your point is valid, maximizing Bitcoin allocation early can accelerate long term gains, but it is also a higher risk approach. The challenge is that without a decent emergency fund, unexpected expenses could force you to sell Bitcoin at an unfavourable price, effectively turning a temporary dip into a real loss.

It's impossible for you to have a decent emergency funds in the beginning of your bitcoin accumulation phase because you need up to a year or two to be able to build up an emergency funds of three months of your income. This is the main reason why it's important to build your emergency funds with the same amount that you are using to DCA for a start til you have built up your emergency funds.

Emergency may come or not, therefore allocating more money to your emergency funds and allow your bitcoin investmet to be two times smaller than your bitcoin investment is wrong because of debasement of fiat currency overtime.

Prioritizing emergency funds is very important for financial stability, especially when you want to start your investment journey using DCA. Also allocating some money to emergency fund while start DCAing is a very solid advice because that would ensure that one isn’t left vulnerable while chasing a long term goal.

Again, your statement of it being impossible for someone having a decent emergency funds at the beginning of Bitcoin accumulation doesn’t seem to be so correct. Because there are so persons who have build up an emergency funds even before going into investing in Bitcoin. Most people build emergency funds through regular income and budgeting, thereby prioritizing and strengthening their financial security. They might have been working for years now, probably have been building up their emergency funds all these years, then now decides to start investing in bitcoin this year using DCA method

What I personally think is that if you invest with discretionary income following DCA, you need to have both an emergency fund and a reserve fund. So that if you face any financial problem in the future, you don't have to sell Bitcoin. However, before starting investing, someone thinks in two ways: first create an emergency fund and then start investing or start investing while creating an emergency fund. However, what I think is more beneficial is to create an emergency fund along with investing in BTC. Let's say someone's income is $1000 per month, here his discretionary income is $250, which is about 25% of his income. So if he wants to create an emergency fund for 3 months first, then he has to wait at least 1 year if he wants to deposit his entire discretionary income. If he does not invest in Bitcoin in this one year, then he will miss out on this one year opportunity. So the most correct way i think is that if he wants to invest monthly, then he will invest some part of his discretionary income in Bitcoin and along with he will also continue to form an emergency fund with other part . In this way, he will not lose the opportunity of investing in Bitcoin. And the emergency fund will also be formed.