You're right, we don't use our emergency funds to invest or accumulate Bitcoin but we use our discretionary income to accumulate Bitcoin,our emergency funds are set aside for emergency purpose,such as fire explosion, health issues and something we didn't plan for. That just happened suddenly, However when you use the emergency funds to invest on Bitcoin and suddenly you're in need of money or an emergency occurs you won't have any other option than to trade the Bitcoin when it's not yet time.
I understand you are a newbie that's why I'm taking my time to talk to you about pyramid quoting. Making pyramids quoting doesn't make sense. It makes you look like a shit poster even if what you are saying makes sense. When making posts and you noticed that many people has been quoted already, you can edit out some users and pick the person you want to respond to.
Quoting 2-3 persons looks a bit decent and makes our post appear neat. Next time when you see posts as the one you just quoted try editting out some users. Quoting 4 or more users together can be considered as pyramid quoting. Let's help making this thread appear neat and professional. This is not just peculiar to you alone, I believe I am also speaking to others who are guilty of pyramid quoting in this thread.