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.
I feel that you don't get the point why an emergency funds is needed and to be seperated for unforeseen circumstances that can play out during your accumulation stage. Imagine that you don't have any emergency funds and you lose your job, how will you fend for yourself till you get another job. It means that you will use your bitcoin investment as your emergency funds and sell part of it till you get a job.
This is why proper planning and cash inflow management is very important, because you will be ready for the worst case scenarios by setting up an emergency funds of at least three months of you income to backup your bitcoin investment from premature selling.
Anyone that does not set up an emergency funds as he starts his bitcoin investment will only be gambling and not investing because when you are hit with a real life emergency, and bitcoin price is below your entry point, you will sell at loss. As a long-term investor selling part of your bitcoin investment
shouldn'tshould be
doneavoided till you reach a stage of over accumulation.