I understand that emergency funds are very important in Bitcoin investment, but that should not shift our focus away from starting well with our Bitcoin investment. We should give our Bitcoin investment more power than our emergency funds. So, I don't think it's a good idea when we have $100 left over after our basic needs are solved, to just invest $20 and put the remaining $80 into emergency funds. I think we should first start our Bitcoin investment with $60 or $70 and put like $30 or $40 into emergency funds. For me, it makes more sense to focus on building our Bitcoin investment first, rather than focusing solely on building emergency funds. If someone can't invest more of their discretionary funds into Bitcoin, then they should split it 50% each for emergency funds and Bitcoin investment. But I am not in support of investing very little in Bitcoin and pushing more funds into emergency savings.
Of course, our emergency funds should not go over our investing budget. I agree with you on this. because, at the same time, I believe that both must grow together, since Bitcoin will give us a good return, but it is also unpredictable, and without an emergency fund, we can end up selling our investment at a loss only to cover our emergency needs.
I believe we can set a 50% balance, as you said, by not putting too much into emergencies to the point where our Bitcoin investment is affected, but also not investing too much into Bitcoin that we have nothing to rely on as a backup. It's about finding a balance place where our investments can rise, at the same time, we still save for unexpected problems.