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.
I don’t think he’s suggesting investing in bitcoin with your reserve funds but rather in some cases that an investor might feel there’s an opportunity to buy he can use money from the reserve fund to buy and later he can try to balance his funds when he receives his income. Reserve funds can be used for such things cause they’re backup funds, which keeps you from going into debt, they’re not restricted as emergency funds which are designed for specific kind of unexpected expenses like job loss, medical bills etc.
There are situations one can find himself in and you’ll see that taking money from reserve to invest isn’t such a bad idea so long as there’s a plan to replace it. Assuming there’s a dip and you have no discretionary available but you have some reserves and emergency funds available, one can decide that instead of waiting for when the income comes to be able to get discretionary he can use his reserve and replace it after, in order not to miss that buy opportunity.
Disclaimer!: The best way of investing is using your Discretionary money, but if you’re willing and able making use of reserve fund occasionally to increase your accumulation not such a bad idea.