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I get you Proty, and of course, I’m not denying that having an emergency fund in life is important.. Everyone needs something put aside for unexpected events. But this particular discussion is about Bitcoin, and that is why I don’t agree with putting the emergency fund before actually owning any Bitcoin at all. The truth is, the first real step is to start stacking, even if it is very little.. you should not delay by saying let me first save this, let me first prepare that and by the time they’re done planning, the market has already moved.. the people who gained the most from Bitcoin are those who actually started, not those who kept waiting for the perfect moment..
So in my view, the smarter move is to get into Bitcoin first, even if it is just $20 or $50 a week. Once you’ve started building your bag, you can then think about balancing it with other financial tools like an emergency fund. But delaying investment completely just because of that will only hold you back. Bitcoin does not wait for anyone you either start stacking now and grow with it, or you keep postponing until the opportunity passes you by…
For someone with discretionary income that doesn't have an emergency funds, they shouldn't be deter from buying bitcoin simply because they don't have an emergency funds. They can be buying bitcoin and at the same time while working on getting an emergency funds,this can be achieved by investing a certain percentage of our discretionary income into bitcoin and the remaining percentage to our emergency funds. However, emergency funds is essential for everyone both those that are investing in bitcoin and those that are not investing in bitcoin since since unexpected events can happen to anyone.