I don't know why the both of you are complicating things for yourselves. But let me try and explain this as simple as I can so you guys can get something right. When an investor get his salary and he removes all the money for family necessities, what he have left is called discretionary income. From that discretionary income he can remove a portion of it to build his emergency funds and his reserved funds. Then he can invest the rest in bitcoin. As times goes on, if the investor sees an opportunity in the market and his salary hasn't come and he doesn't want to miss such an opportunity, he can take money from his reserved funds account to invest in bitcoin and build it back gradually. So yes an investor can buy bitcoin with money from his reserved funds account.
Yes, regarding this, I think your assumption could be right or wrong, especially regarding using reserve funds to invest in Bitcoin. In my opinion, using reserve funds to invest in Bitcoin is certainly possible. Basically, reserve funds are allocated for planned expenses, such as home renovations and other planned expenses. So, essentially, reserve funds are somewhat flexible. So, perhaps that's why you said you could use reserve funds to invest in Bitcoin. However, I'm still not very confident about using reserve funds to invest in Bitcoin. While it's true that reserve funds are quite flexible and aren't used for emergencies, I personally feel more comfortable investing using only discretionary funds. Because discretionary funds are funds that will not be used for any other purpose.