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.
Are you married and have children, and are you the breadwinner of the family who needs to take care of your parents or siblings?
I'm guessing you live alone and have nothing to worry about, or you still get financial support from your parents. Because I believe that any adult who has a family and children, even has to take care of old parents. They will always have a financial plan and an emergency fund will always be their top priority, not investing or trading. Because they know that the world is tough and bad things can happen at any time, and having an emergency fund is important. Only people who are single and have never experienced those challenges think that an emergency fund is unnecessary.
I don't totally agree with you sir because not everyone who is single or have not experienced bad things or tough... don't believe or think emergency funds is unnecessary. I can use myself as a case study here, I'm not married but single and I am Investing in Bitcoin with the knowledge and understanding that emergency funds is very vital through which I can keep my investment going without touching it. Investing in Bitcoin without emergency funds is negligence and it will surely back fire and when it does one's investment will be used to compensate and so whether someone has experienced these... Or not they should always know that emergency funds is very important and investing can not work for long without it.