As a newbie and a no coin, it's not good for you to take time to build up your emergency fund first before you start accumulating Bitcoin because by the time you will be busy building your emergency fund, you should have also been busy accumulating Bitcon with the DCA strategy so that you will have an existing Bitcoin investment that you are building up your emergency fund for rather than building up your emergency fund when you haven't yet started accumulating Bitcoin, which makes no sense to me because you can build up your emergency fund and end up not investing in Bitcoin. Instead of using all your discretionary income to build up your emergency fund when you haven't kick started your Bitcoin investment, why don't you start accumulating Bitcoin and build up your emergency fund together? And when your have built up your emergency fund up to 3 months, you can put building up your emergency fund on hold and focus on accumulating Bitcoin with your discretionary income. This will be helpful to you in starting you Bitcoin investment.