Absolutely i agree with you, Saving and investing little by little is really the key it's not about how much you start with, but the consistency over time that makes the difference. It’s seen how so many people overlook setting aside even a small portion of their income, especially when extra money comes in. Life can throw unexpected challenges at anyone, so having that financial cushion really helps ease the pressure. I think the mindset around money needs to shift from just earning to also growing and protecting it for the future.
Perhaps there is more to investing than just saving, it’s very important to note that unforeseen circumstances can come at anytime of one’s life which is a major reason by Emergency funds is quite not really over stated nor exaggerated but repeatedly mentioned in our daily discourses in this thread as it’s the one of the pillars of investment which holds an individual to hold his or her assets without tempering them or having any need to sell a portion or all of his or her investments when the unforeseen situation arises.
Hence, while making an investment using DCA it’s always advised to have at least an emergency funds that is able to cover up for guys 4 to 6 months, hence with such an emergency funds it’s likely that one will be able to consistently stay in the course and perhaps achieve a longer term of investment which can be 2 to 3 cycles accumulating until one reaches the over accumulation stage which guys might want to stop accumulation.