I disagree on the emergency funds piece but also agree too. Ahhh a conundrum what do I mean lol. It comes down to the maturity of your emergency fund.
I agree 100% with you based on early maturity of your emergency fund covering your life expenses for 3months(minimum) It should just cover your basic needs for that time period. It shouldn’t be used for bitcoin investments.
Where I disagree, again relates back to maturity. Over time you may increase your emergency fund for example extending it to 6,9,12,18 months of $ saved, at some points in the future. When you have maturity in your emergency fund you can start to figure out basic to comparative living $ needs. It happens naturally and you might account for other expenses above basic living coverage. So I absolutely disagree that you can’t use your emergency fund for buying bitcoin( like dca amount) in sense that if you account for it as something over basic living coverage and have that maturity in your funds. Personally I only started to think about extra over basic living things once my emergency fund reached 6 months.
As an example say you have 18 month coverage in your funds. Now you got a decision to make if say you lost your job. Do you do basic living for 24months or comparative living for 18months(with a btc dca).
Great write up by the way thanks for sharing, I enjoyed reading it!