I still disagree, people who can control their finances, do not need emergency fund as extra buffer zone. If you know what you are doing, then you should be able to save what you do not need. "Emergency" is just not calculating it very well. I believe we do not need another fund, just put it on bitcoin and if you ever need it then if it's under, then it should be in USDT, if it's over then you are profiting.

There is no need for it, so a good investor won't make a loss and you wouldn't need anything else. I understand people may not agree with me, I have seen them not agree with me, and it has been pages, but I just do not see the benefit of it. The only claim so far has been "what if something unexpected happens", well that is what investment is for.