Post
Topic
Board Speculation
Re: Discretionary Income vs Emergency Funds: Why It Matters for Bitcoin Investing
by
kanftka
on 15/08/2025, 16:52:03 UTC
once you have kids, even the most perfect budget can turn into a moving target. . You might set aside what you think is enough, but then a random thing comes up and suddenly you are adjusting, That is just part of the parenting game…
The reality is simple if you really want to get a greater return of your "investment" when you have a kid, is to pour that into the kid itself. Sure leaving some money to them is great feeling if you can do that, or leaving real estate, or whatever networth really, like leave something behind. But when you have a kid, the real aim is to make sure that you equip them with everything you may need, and that's the most important part.

If you can do that, then you are going to be feeling absolutely no zero doubt that you tried your best. My parents are like that, they do not feel fear, sure they will not leave me with anything but their town house, which won't be worth much honestly, but they know that they gave me a great education, which is all they wanted.

Yeah, I get what you’re saying, and it is a good point… a lot of people focus so much on leaving something behind in terms of money or assets, but giving your kids the right mindset and education can sometimes pay off really well...

But just so we’re on the same page, what we are really focusing on in this discussion is not so much about kids or parenting, it is about how to balance those two things in the context of Bitcoin investing. That means where you are building your Bitcoin accumulation or stack using discretionary income, while still keeping your emergency funds untouched… Because once those two are in balance, you are not just investing, you are protecting yourself from having to panic sell or dip into your stack when life throws surprises…. We just chip in the kids talk bcus as a parent, inproper planning could slow you down in Bitcoin stacking…

And also, if years later that Bitcoin becomes something your kids inherit, then cool, that’s a nice extra win. But for now, the main focus should be staying steady and stacking smart, and not putting yourself in a position where you regret touching your stack….