Buy the DIP, and HODL!

[Dictator69]

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

Any type of investment is risky. You said that if you invest in another sector without keeping an emergency fund and in an emergency situation you will solve the problem by taking money from there, you will not have to sell Bitcoin.....

Personally, you should keep enough money that could pay your bills/monthly expenses, then the rest you invest and HODL in Bitcoin without stress.

But IF the price DIPs under or near the 200-Weekly SMA, and IF you don't have any responsibilities except to look out for yourself, THEN you probably should buy Bitcoin with 90% of what's in your savings account.

I think he should test the worst scenario on him, if bitcoin dumps 50% tomorrow and his car broke the same day and his mechanic sends him a 5 minute audio message on his WhatsApp, would he be able to cover those expenses without selling his bitcoins, if he can then I guess he have enough emergency funds and he don't have to worry about how much emergency funds I needed, because the importance of emergency funds is one thing and that we all agree on, but how much we need is what I have shared my ideas on.

Life is so unpredictable and full of wrong turns, but we should manage our bitcoin investments in better ways, if we are easily convinced by the market pumps then we should move our funds to cold wallets where we would think 10 times before moving them back to exchanges for booking 100$ of profit.

[Stormisover]

People form emergency funds when they see that a bad situation will arise. Because in the present time, people do not want to expose their investments to any danger, so they give the most importance to prudent income and emergency funds and follow the DCA method every week. As a result of regular Bitcoin purchases, they are ready to earn more financially so that they can make more money with Bitcoin investments. An investor never neglects his investment, because Bitcoin investment is long-term, so it is most important to form an emergency fund to manage it.

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

I get where you’re coming from about diversifying, but from my own experience in 2025 that still doesn’t replace a real emergency fund. Other ‘profitable’ assets can also drop or get locked up right when you need them most. I keep a small cash emergency fund separate so I’m never forced to sell my Bitcoin at a bad time. It’s boring, but it works.

Emergency funds are indeed better if they are in cash and not invested in any assets. Investing emergency funds in certain assets does have the potential to generate profits. However, doing so is still very risky. So, the bottom line is that emergency funds remain emergency funds and should not be used for any other assets or for anything else. Emergency funds are used when we are experiencing an emergency. So, the point is, don't play around with emergency funds, even if it's for positive purposes, such as investing. Let emergency funds settle, and if possible, we should continue to increase them little by little to cover the value eroded by inflation. It's undeniable that inflation will continue to eat away at our money. Therefore, we must continue to increase our emergency funds to prevent their value from decreasing.

Investing with your emergency fund is not a total bad idea at all because after you have might paid all your bills and the money remaining becomes your discretionary income and inside that your discretionary income you can still generate out your emergency fund and started investing in the last 6 months and think you to invest using your emergency fund so that it multiple more income since you are not using it at the main time, you can invest with the emergency fund and tage it emergency fund which means it can be pull out if incase of unforeseen circumstances that might happen, so the reason why we should invest emergency fund is to back your really investment incase of anything, so you can decide on what to do with your emergency fund as per dividual convenient or best know to you, if actually you needed your emergency to in cash but left with me, i will say that once you progress with your Bitcoin portfolio that there are always a need to invest to have emergency fund.

While am struggling to really understand your point the fact is that it is wrong to invest with your emergency funds and there is no smartness in doing this at all it is called an emergency funds for a reason which means it has to be ready for the real reason of it's purpose, you sound as if you know when emergency will happen, nobody knows when this will happen and the level to which it will happen investing it is risky and it is not a good thing to do and is a total bad idea and advice if you ask me.

[Silikiem]

So we moved up.

Still doing dca with my mining..

I did do dip at 108.8 109.3 109.5 and 110.1

So dip is resting but will kick in at 110.5
Dca mining is doing 0.0095
Spare cash is sitting.


Numbers look good today.

Fair enough sir, I think that’s good for you as you have every leverage currently to do the dip as you want based on the criteria you just listed for yourself, judging from your bitcoin forum registration date I think you’ve accumulated and invested a decently large portion of bitcoin and hold over time, and yes, you can decide to do your dip which you’ve equally prepared some spare  cash for. But as for we plebs and newbies who are still in our accumulation stage, we’ll stick with our Regular DCAing and remain consistent with our accumulation and hold for the long term and gradually build up our portfolio because we don’t want to wait for the dip to occur before we accumulate bitcoin, we don’t want to miss out on some investment opportunities while waiting for the dip which may or may not occur.

[BTC-blaad]

People form emergency funds when they see that a bad situation will arise. Because in the present time, people do not want to expose their investments to any danger, so they give the most importance to prudent income and emergency funds and follow the DCA method every week. As a result of regular Bitcoin purchases, they are ready to earn more financially so that they can make more money with Bitcoin investments. An investor never neglects his investment, because Bitcoin investment is long-term, so it is most important to form an emergency fund to manage it.

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

I get where you’re coming from about diversifying, but from my own experience in 2025 that still doesn’t replace a real emergency fund. Other ‘profitable’ assets can also drop or get locked up right when you need them most. I keep a small cash emergency fund separate so I’m never forced to sell my Bitcoin at a bad time. It’s boring, but it works.

Emergency funds are indeed better if they are in cash and not invested in any assets. Investing emergency funds in certain assets does have the potential to generate profits. However, doing so is still very risky. So, the bottom line is that emergency funds remain emergency funds and should not be used for any other assets or for anything else. Emergency funds are used when we are experiencing an emergency. So, the point is, don't play around with emergency funds, even if it's for positive purposes, such as investing. Let emergency funds settle, and if possible, we should continue to increase them little by little to cover the value eroded by inflation. It's undeniable that inflation will continue to eat away at our money. Therefore, we must continue to increase our emergency funds to prevent their value from decreasing.

Investing with your emergency fund is not a total bad idea at all because after you have might paid all your bills and the money remaining becomes your discretionary income and inside that your discretionary income you can still generate out your emergency fund and started investing in the last 6 months and think you to invest using your emergency fund so that it multiple more income since you are not using it at the main time, you can invest with the emergency fund and tage it emergency fund which means it can be pull out if incase of unforeseen circumstances that might happen, so the reason why we should invest emergency fund is to back your really investment incase of anything, so you can decide on what to do with your emergency fund as per dividual convenient or best know to you, if actually you needed your emergency to in cash but left with me, i will say that once you progress with your Bitcoin portfolio that there are always a need to invest to have emergency fund.

While am struggling to really understand your point the fact is that it is wrong to invest with your emergency funds and there is no smartness in doing this at all it is called an emergency funds for a reason which means it has to be ready for the real reason of it's purpose, you sound as if you know when emergency will happen, nobody knows when this will happen and the level to which it will happen investing it is risky and it is not a good thing to do and is a total bad idea and advice if you ask me.

I think that I agree with you for your statement because when I look at what Popoluv said in his first paragraph that investing with emergency fund is not a total bad idea I was getting confused because it was contradictory to what I've been reading from other comments here in this thread while I was trying to learn how to invest as a newbie. yes, you're right and I agree with you that emergency funds should not be used for investing because we will need it for an emergency situation which might be life threatening and by that time when its no longer accessible or available to us we will start to sell our Bitcoin investment to be able to raise money to settle our emergency problem which is not healthy for our growth in Bitcoin investment.

[ZeroVinsonN]

The best way to make sure you don't spend your Bitcoin investment which is selling premature is to have or create a strong emergency funds in case of emergency. Emergency funds plays a very vital role in our Bitcoin investment and it is very necessary after you might have started your Bitcoin investment.

When the market price drops, buy. Do not think about selling.

I don't think your point is correct, that you should buy when the market falls. Look, I'm trying to learn about new Bitcoin here. But I have understood this much that waiting for DIP means wasting your valuable time.

Being new to bitcoin investment one of the best things for you to know is that you shouldn't be waiting for DIPs before buying since waiting can lead to you ultimately losing very good buying opportunities so instead you should stick to using a strategy like the Dollar cost average (DCA) where you periodically invest a particular amount into bitcoin, this could be done on a weekly basis or even monthly especially for salary earner, your intervals can even be a number of days say between 5 and 10 depending on what works for you.

No one knows when DIP will actually come. Sometimes the price can drop and go even lower. Then the one who bought earlier may suffer a loss.

That's really not have suffering a loss works, if bitcoin lowers to $110k and a person buys at this dip after which the price goes as low as $108k, this doesn't mean that the person who bought at $110k has suffered a lose, there are different dipping points and people can buy at which ever one they want to and still say they bought the DIP, if we go by your point here then we'd be advising people to wait for bitcoin to lower more before they buy so as to not suffer a loss which is wrong, you can say you suffered a loss in bitcoin investment if you sold at a price lower than what you bought and sometimes when you don't buy at all because you are waiting for a DIP and then the price just keeps going up but not missing to buy at a lower DIP because you bought at a higher one.

Or you will lose the opportunity to enter the market quickly by waiting for DIP.

Waiting for a dip is a terrible idea, especially for a newbie who hasn't even seen a full cycle, the best thing to do is to keep buying with DCA, it helps keep your mind away from the volatility of the market and gives you a grounded buying approach since price changes don't really bother your purchasing power.

I shared a thing on our local board that, suppose I waited 6 months to buy DIP. Then the price increased to 175k. If it drops again to 125k and if it is considered DIP. Then the price has become higher than today, there is more loss. So as a newbie, I think DCA reduces the risk for us.

Situations like this one come up all the time when people wait for DIPs for too long and when the DIP eventually comes they end up buying at a price higher than when they started waiting because while they were waiting for a dip then price of bitcoin kept appreciating that what was considered a DIP 6 months later would have been an ATH if it had happened today.

However, buying DIP can be a kind of strategy.  If you keep the DCA method active and the time comes for DIP, you can buy more if you want. However, before buying when the market falls, you should consider your financial situation, long-term goals, and risk-taking ability. If you invest emergency funds or necessary money thinking of buying DIP, you may be forced to sell at a loss when necessary.

Fair points, we can always buy the DIP if somewhere along the way of our DCA accumulation a dip happens, as long as we did not waste precious investment time in waiting for a dip that we are not even sure whether or not it's even going to happen in the first place so the best thing to do is to keep accumulating with the DCA method using your discretionary income and to take advantage of opportunities to increase your bitcoin portfolio when they come in the future as long as you have the finance to do so

[Deegodstime]

The dude is not totally wrong neither is the dude totally correct, DCAing weekly will make an investor grow their portfolio faster than someone that is investing monthly but the things is that it depends on the amount these investors are using to invest so if someone is using DCA method for weekly and they are not consistent or they are not using a good amount to invest someone that is investing monthly will grow their portfolio more if they are using a good amount than someone who is investing weekly. But whether investing with good amount or not the most important is to just start.

DCA buying of Bitcoin can be done weekly or monthly, depends on the Cash flow of the investor. There are investors that received salaries pay every weekend while some investors will have to wait until month ending before receiving salary. The time duration here doesn't matter, rather the key thing is for them to be able to figure out a discretional income from their weekly or monthly salary to be able buy Bitcoin weekly or monthly. what you should also understand is that, an investor that is DCAng weekly and an Investor that DCA monthly doesn't have the same accumulation targets,their goals may be the same but their accumulation targets will always differs and cannot be the same. My points is ,an investor that's accumulating bitcoin consistent monthly may reached his Over-accumulation target faster than an investor that buys bitcoin weekly because of differences in accumulation targets. 

Yes I agree to that, an investor practicing DCA buying weekly with little capital because of financial instability may find it difficult to reach his or her accumulation  target while the monthly investor with high capital finds it easy to get to his target at last,  Both weekly and monthly investment program are very good programs depending on salary scale at the particular point in time the bottom line of all is knowing why this investment programs are practiced. The main reason for practicing the DCA buying program is to accumulate assets over time and can not be done having profit generation as its primary aim of practicing because we may buy when the price is still high.

[Shadiq]

Investing with your emergency fund is not a total bad idea at all because after you have might paid all your bills and the money remaining becomes your discretionary income and inside that your discretionary income you can still generate out your emergency fund and started investing in the last 6 months and think you to invest using your emergency fund so that it multiple more income since you are not using it at the main time, you can invest with the emergency fund and tage it emergency fund which means it can be pull out if incase of unforeseen circumstances that might happen, so the reason why we should invest emergency fund is to back your really investment incase of anything, so you can decide on what to do with your emergency fund as per dividual convenient or best know to you, if actually you needed your emergency to in cash but left with me, i will say that once you progress with your Bitcoin portfolio that there are always a need to invest to have emergency fund.

While am struggling to really understand your point the fact is that it is wrong to invest with your emergency funds and there is no smartness in doing this at all it is called an emergency funds for a reason which means it has to be ready for the real reason of it's purpose, you sound as if you know when emergency will happen, nobody knows when this will happen and the level to which it will happen investing it is risky and it is not a good thing to do and is a total bad idea and advice if you ask me.

When someone has very little knowledge about risk management, someone talks about investing with an emergency fund. From my point of view, there should be such a risk management where the emergency fund will not be needed even in an emergency, that is certainly in the initial stage of an emergency. Investment is not urgent in any way, so planning to invest with an emergency fund is undoubtedly foolish. Protecting the investment fund is more important than increasing the investment fund. If you are about to sell the fund while increasing your investment fund, then it will definitely not make sense.

So you should have such a risk management in which you can struggle with the emergency for about 1 year. For this, you should have sufficient cash flow and reserve fund in your backup fund which will help you struggle for 7-8 months. Then if the emergency is not resolved even in this long time, you can take help of the emergency fund. Although the main function of cash flow and reserve fund is not to resolve the emergency, there is no problem in doing so if necessary. However, you cannot use the emergency fund for any other purpose, this is wrong.

[Merit.s]

Investing with your emergency fund is not a total bad idea at all because after you have might paid all your bills and the money remaining becomes your discretionary income and inside that your discretionary income you can still generate out your emergency fund and started investing in the last 6 months and think you to invest using your emergency fund so that it multiple more income since you are not using it at the main time, you can invest with the emergency fund and tage it emergency fund which means it can be pull out if incase of unforeseen circumstances that might happen, so the reason why we should invest emergency fund is to back your really investment incase of anything, so you can decide on what to do with your emergency fund as per dividual convenient or best know to you, if actually you needed your emergency to in cash but left with me, i will say that once you progress with your Bitcoin portfolio that there are always a need to invest to have emergency fund.

I find it difficult to understand everything that you said in your post because you are mixing up your words and giving the wrong use of an emergency funds. Emergency funds should only be tampered with when there's a real life emergency and not to use to buy bitcoin. Your discretionary income is what you should use to invest into bitcoin continuously and persistently overtime.

What if you use your emergency funds to buy bitcoin and the next day, you are hit with real life emergency, you will have no option to sell your bitcoin at loss, if the price dips below your entry point. Any investor that uses his emergency funds to buy bitcoin and neglect the importance of emergency funds is only gambling and not investing because you will definitely sell your bitcoin when you are hit with real life emergency.

You cannot use your emergency funds for whatever thing that you like because it's not flexible. Your reserve funds is what you can threat like that because it's flexible. It's also wrong for you to believe that a real life emergency wouldn't occur because you don't know what will happen in the next minutes which is the reason why an emergency funds is very important to be on ground at all time provided that you are still accumulating bitcoin.

It takes up to a year and more to build an emergency funds of three months of your expenses, if you exhaust your emergency funds how will you cope with your bitcoin investment. Don't involve yourself in a practice that will make you start reducing the size of your bitcoin portfolio instead of increasing it because that's not the goal.

[Kelward]

...

DCA buying of Bitcoin can be done weekly or monthly, depends on the Cash flow of the investor. There are investors that received salaries pay every weekend while some investors will have to wait until month ending before receiving salary. The time duration here doesn't matter, rather the key thing is for them to be able to figure out a discretional income from their weekly or monthly salary to be able buy Bitcoin weekly or monthly. what you should also understand is that, an investor that is DCAng weekly and an Investor that DCA monthly doesn't have the same accumulation targets,their goals may be the same but their accumulation targets will always differs and cannot be the same. My points is ,an investor that's accumulating bitcoin consistent monthly may reached his Over-accumulation target faster than an investor that buys bitcoin weekly because of differences in accumulation targets. 

Just like everyone's goals in life differs, same implies to Bitcoin investment, every investor can't have same target cause the amount they can generate for discretionary can't be same, for instance the target of a middle class salary earner and big whales like Blackrock or Saylor can never be same cause the amount those whales generate for discretionary is far more greater than what the middle class investor would generate. With that being said, every investor should invest according the amount of discretionary they can generate, yes the time duration for generating discretionary doesn't matter be it weekly or monthly so far the investor can be consistent regardless of time frame the discretionary is generated, the investor is good to go.

I need to clarify that an investor that is doing monthly DCA doesn't mean that he's accumulating more Bitcoin than who is doing weekly DCA. Again an investor that is on weekly DCA can have the same accumulation target as another investor that is on monthly DCA method. It doesn't matter if your income is dropping every two weeks or two months what matters is the amount that any of them can afford to buy Bitcoin with.

Your income and basic expenses determines how much you will have in your discretionary funds. From there you will use your discretion to know how much you can remove for your periodic DCA accumulation. Every investors are at liberty to choose any amount that they want for their DCA accumulation irrespective of how much they earn and whether it's weekly or monthly.

[liasbaa]

The dude is not totally wrong neither is the dude totally correct, DCAing weekly will make an investor grow their portfolio faster than someone that is investing monthly but the things is that it depends on the amount these investors are using to invest so if someone is using DCA method for weekly and they are not consistent or they are not using a good amount to invest someone that is investing monthly will grow their portfolio more if they are using a good amount than someone who is investing weekly. But whether investing with good amount or not the most important is to just start.

DCA buying of Bitcoin can be done weekly or monthly, depends on the Cash flow of the investor. There are investors that received salaries pay every weekend while some investors will have to wait until month ending before receiving salary. The time duration here doesn't matter, rather the key thing is for them to be able to figure out a discretional income from their weekly or monthly salary to be able buy Bitcoin weekly or monthly. what you should also understand is that, an investor that is DCAng weekly and an Investor that DCA monthly doesn't have the same accumulation targets,their goals may be the same but their accumulation targets will always differs and cannot be the same. My points is ,an investor that's accumulating bitcoin consistent monthly may reached his Over-accumulation target faster than an investor that buys bitcoin weekly because of differences in accumulation targets. 

Yes I agree to that, an investor practicing DCA buying weekly with little capital because of financial instability may find it difficult to reach his or her accumulation  target while the monthly investor with high capital finds it easy to get to his target at last,  Both weekly and monthly investment program are very good programs depending on salary scale at the particular point in time the bottom line of all is knowing why this investment programs are practiced. The main reason for practicing the DCA buying program is to accumulate assets over time and can not be done having profit generation as its primary aim of practicing because we may buy when the price is still high.

If you get salary weekly, then do DCA every week. If you get monthly, then do it monthly. No one will force you to make any decision for Bitcoin investment. You will accumulation Bitcoin based on the amount you earn. Financial instability may be a problem for most investors and a huge network of Bitcoin holdings is formed by these retail investors. The price of Bitcoin increases due to the increase in demand. By making weekly buying the amount of Bitcoin buy is less but the number is increasing, so investors who buy frequently can reduce the average price of Bitcoin even if they cannot increase their holdings quickly. So if you buy every month your portfolio will be buying touch 12 times a year but if you buy every week it will hit 48 times in a year.

[Jostern]

Speaking of emergency funds, what's the best way to make sure I don't spend my Bitcoin prematurely?

​My idea is to diversify my savings. I shouldn't invest all my money into Bitcoin. I can put some funds into other profitable investments that aren't as strictly a "hold" as BTC. If I use this strategy, I might not need a dedicated emergency fund because I'll have other readily available assets. This means I can use these other funds instead of touching my Bitcoin.

Any type of investment is risky. You said that if you invest in another sector without keeping an emergency fund and in an emergency situation you will solve the problem by taking money from there, you will not have to sell Bitcoin. But I think that no matter what type of investment you make, you should always keep a back-up fund. Now you have decided to invest in Bitcoin for many years. But without keeping an emergency fund, you invested in another sector with that. But the problem will be if the sector you have invested in starts to lose for some reason and at the same time you need a lot of money for some urgent need, then you will not be able to take money from your alternative investment because it has already lost. And since you have no back-up fund, you will be forced to sell Bitcoin. And if at that time the price of Bitcoin has fallen and stopped, you will face a lot of losses. Therefore, it is very important to establish an emergency fund and reserve fund in Bitcoin investment.

Personally, you should keep enough money that could pay your bills/monthly expenses, then the rest you invest and HODL in Bitcoin without stress.

But IF the price DIPs under or near the 200-Weekly SMA, and IF you don't have any responsibilities except to look out for yourself, THEN you probably should buy Bitcoin with 90% of what's in your savings account.

For sure as a pleb we should always make plans to have discretionary income available for buying more bitcoin, and also plan for our emergency fund and reserved funds with that priority of sustaining our investment, the plans is always to buy more bitcoin and accumulate more stack up more bitcoin into our portfolio, but I would prefer a situation where I will have to buy more bitcoin regularly consistently on a weekly basis instead of having that mindset of setting some funds aside with the intention of buying the dip, and why would I want to save my discretionary funds all in the name of buying a dip in the near future, I think this would be best for people who have different cashflow and can have different options of buying bitcoin with more discretionary income, but like you always refers to plebes like us, I’m wondering if that is sustainable.

[Just Common]

I get where you’re coming from about diversifying, but from my own experience in 2025 that still doesn’t replace a real emergency fund. Other ‘profitable’ assets can also drop or get locked up right when you need them most. I keep a small cash emergency fund separate so I’m never forced to sell my Bitcoin at a bad time. It’s boring, but it works.

Emergency funds are indeed better if they are in cash and not invested in any assets. Investing emergency funds in certain assets does have the potential to generate profits. However, doing so is still very risky. So, the bottom line is that emergency funds remain emergency funds and should not be used for any other assets or for anything else. Emergency funds are used when we are experiencing an emergency. So, the point is, don't play around with emergency funds, even if it's for positive purposes, such as investing. Let emergency funds settle, and if possible, we should continue to increase them little by little to cover the value eroded by inflation. It's undeniable that inflation will continue to eat away at our money. Therefore, we must continue to increase our emergency funds to prevent their value from decreasing.

Investing with your emergency fund is not a total bad idea at all because after you have might paid all your bills and the money remaining becomes your discretionary income and inside that your discretionary income you can still generate out your emergency fund and started investing in the last 6 months and think you to invest using your emergency fund so that it multiple more income since you are not using it at the main time, you can invest with the emergency fund and tage it emergency fund which means it can be pull out if incase of unforeseen circumstances that might happen, so the reason why we should invest emergency fund is to back your really investment incase of anything, so you can decide on what to do with your emergency fund as per dividual convenient or best know to you, if actually you needed your emergency to in cash but left with me, i will say that once you progress with your Bitcoin portfolio that there are always a need to invest to have emergency fund.

While am struggling to really understand your point the fact is that it is wrong to invest with your emergency funds and there is no smartness in doing this at all it is called an emergency funds for a reason which means it has to be ready for the real reason of it's purpose, you sound as if you know when emergency will happen, nobody knows when this will happen and the level to which it will happen investing it is risky and it is not a good thing to do and is a total bad idea and advice if you ask me.

An emergency fund should only be used when faced with danger, whether it's for investment or to help Bitcoin investors through danger. If I can't help Bitcoin investors with an emergency fund, then why should I have a Bitcoin investment emergency fund?
Maybe that person is investing Bitcoin weekly, but if he is working and he gets a monthly salary then he will invest occasionally weekly and may not invest regularly every week. So if you want to follow regular investment weekly, you must use the emergency fund. Because you remember that the emergency fund is always kept to protect the investment from facing danger.

[Kagaru]

Investing with your emergency fund is not a total bad idea at all because after you have might paid all your bills and the money remaining becomes your discretionary income and inside that your discretionary income you can still generate out your emergency fund and started investing in the last 6 months and think you to invest using your emergency fund so that it multiple more income since you are not using it at the main time, you can invest with the emergency fund and tage it emergency fund which means it can be pull out if incase of unforeseen circumstances that might happen, so the reason why we should invest emergency fund is to back your really investment incase of anything, so you can decide on what to do with your emergency fund as per dividual convenient or best know to you, if actually you needed your emergency to in cash but left with me, i will say that once you progress with your Bitcoin portfolio that there are always a need to invest to have emergency fund.

I find it difficult to understand everything that you said in your post because you are mixing up your words and giving the wrong use of an emergency funds. Emergency funds should only be tampered with when there's a real life emergency and not to use to buy bitcoin. Your discretionary income is what you should use to invest into bitcoin continuously and persistently overtime.

What if you use your emergency funds to buy bitcoin and the next day, you are hit with real life emergency, you will have no option to sell your bitcoin at loss, if the price dips below your entry point. Any investor that uses his emergency funds to buy bitcoin and neglect the importance of emergency funds is only gambling and not investing because you will definitely sell your bitcoin when you are hit with real life emergency.

You cannot use your emergency funds for whatever thing that you like because it's not flexible. Your reserve funds is what you can threat like that because it's flexible. It's also wrong for you to believe that a real life emergency wouldn't occur because you don't know what will happen in the next minutes which is the reason why an emergency funds is very important to be on ground at all time provided that you are still accumulating bitcoin.

It takes up to a year and more to build an emergency funds of three months of your expenses, if you exhaust your emergency funds how will you cope with your bitcoin investment. Don't involve yourself in a practice that will make you start reducing the size of your bitcoin portfolio instead of increasing it because that's not the goal.

Setting aside an allocation for Bitcoin is the right risk management. Because if you don t have a way to survive before investing, you will have to struggle to cope with losses before you can make a profit. In my opinion, investing with an emergency fund is often called using extra cash , but in reality it often turns into a gamble. Because market movements are never under our control, but living expenses and urgent needs have to be dealt with immediately.

I would rather say that if you think your emergency fund is lying idle, you can put a small portion of it in liquid, low risk assets, such as a high yield savings account or short term bond fund. This at least keeps the capital intact and also generates some income.

[Baridomale]

The dude is not totally wrong neither is the dude totally correct, DCAing weekly will make an investor grow their portfolio faster than someone that is investing monthly but the things is that it depends on the amount these investors are using to invest so if someone is using DCA method for weekly and they are not consistent or they are not using a good amount to invest someone that is investing monthly will grow their portfolio more if they are using a good amount than someone who is investing weekly. But whether investing with good amount or not the most important is to just start.

DCA buying of Bitcoin can be done weekly or monthly, depends on the Cash flow of the investor. There are investors that received salaries pay every weekend while some investors will have to wait until month ending before receiving salary. The time duration here doesn't matter, rather the key thing is for them to be able to figure out a discretional income from their weekly or monthly salary to be able buy Bitcoin weekly or monthly. what you should also understand is that, an investor that is DCAng weekly and an Investor that DCA monthly doesn't have the same accumulation targets,their goals may be the same but their accumulation targets will always differs and cannot be the same. My points is ,an investor that's accumulating bitcoin consistent monthly may reached his Over-accumulation target faster than an investor that buys bitcoin weekly because of differences in accumulation targets.  

Yes I agree to that, an investor practicing DCA buying weekly with little capital because of financial instability may find it difficult to reach his or her accumulation  target while the monthly investor with high capital finds it easy to get to his target at last,  Both weekly and monthly investment program are very good programs depending on salary scale at the particular point in time the bottom line of all is knowing why this investment programs are practiced. The main reason for practicing the DCA buying program is to accumulate assets over time and can not be done having profit generation as its primary aim of practicing because we may buy when the price is still high.

I can't begin to express how grateful I am for this post. personally I found the concept of just trading bitcoin not
very pleasant, due to the degree of emotional instability it offers. I wasn't also pleased with the fact that investors had to wait for a certain period of time  to buy and also wait for a certain period of time to also sell. Practically I would say I am one of those persons that wanted a middle ground. couple of days ago, I had made a post about ''Investors are tired of HODLING'' https://bitcointalk.org/index.php?topic=5560733.msg65863823#msg65863823      
As I came across DCA, I knew that this was one of the answers to the questions I sought. I can get Bitcoin in bits without trading and without spending so much on buying during the dip.Although it requires tremendous consistency, however I think it offers a safe ground for some of us who can't handles the huddles of trading and also the financial strain of investing. The DCA method eliminates the pressure of trying to time the market while building the habit of saving and consistency which will be rewarded over time.  

[SmartCharpa]

The dude is not totally wrong neither is the dude totally correct, DCAing weekly will make an investor grow their portfolio faster than someone that is investing monthly but the things is that it depends on the amount these investors are using to invest so if someone is using DCA method for weekly and they are not consistent or they are not using a good amount to invest someone that is investing monthly will grow their portfolio more if they are using a good amount than someone who is investing weekly. But whether investing with good amount or not the most important is to just start.

The most important thing is to stick to your plan, whether you do weekly or monthly. The DCA is more about how constantly you accumulate and the amount you put in. It is true that a person who uses weekly and not consistent with the accumulation or use a small amount to invest, at the end, they may end up with a small Bitcoin holding than someone who invest big amount every month. The DCA methods does not guarantee success but it depends on how we use it.

But I also agree with your last statement, the best thing is to start. In the end, those who start and continue buying will see results, but many people are wasting too much time thinking about weekly or monthly, perhaps waiting for the dip to buy. Bitcoin history makes it clear that those with long term plans have a good return.

[Supreme Donvic]

Investing with your emergency fund is not a total bad idea at all because after you have might paid all your bills and the money remaining becomes your discretionary income and inside that your discretionary income you can still generate out your emergency fund and started investing in the last 6 months and think you to invest using your emergency fund so that it multiple more income since you are not using it at the main time, you can invest with the emergency fund and tage it emergency fund which means it can be pull out if incase of unforeseen circumstances that might happen, so the reason why we should invest emergency fund is to back your really investment incase of anything, so you can decide on what to do with your emergency fund as per dividual convenient or best know to you, if actually you needed your emergency to in cash but left with me, i will say that once you progress with your Bitcoin portfolio that there are always a need to invest to have emergency fund.

I find it difficult to understand everything that you said in your post because you are mixing up your words and giving the wrong use of an emergency funds. Emergency funds should only be tampered with when there's a real life emergency and not to use to buy bitcoin. Your discretionary income is what you should use to invest into bitcoin continuously and persistently overtime.

What if you use your emergency funds to buy bitcoin and the next day, you are hit with real life emergency, you will have no option to sell your bitcoin at loss, if the price dips below your entry point. Any investor that uses his emergency funds to buy bitcoin and neglect the importance of emergency funds is only gambling and not investing because you will definitely sell your bitcoin when you are hit with real life emergency.

You cannot use your emergency funds for whatever thing that you like because it's not flexible. Your reserve funds is what you can threat like that because it's flexible. It's also wrong for you to believe that a real life emergency wouldn't occur because you don't know what will happen in the next minutes which is the reason why an emergency funds is very important to be on ground at all time provided that you are still accumulating bitcoin.

It takes up to a year and more to build an emergency funds of three months of your expenses, if you exhaust your emergency funds how will you cope with your bitcoin investment. Don't involve yourself in a practice that will make you start reducing the size of your bitcoin portfolio instead of increasing it because that's not the goal.

Setting aside an allocation for Bitcoin is the right risk management. Because if you don t have a way to survive before investing, you will have to struggle to cope with losses before you can make a profit. In my opinion, investing with an emergency fund is often called using extra cash , but in reality it often turns into a gamble. Because market movements are never under our control, but living expenses and urgent needs have to be dealt with immediately.

I would rather say that if you think your emergency fund is lying idle, you can put a small portion of it in liquid, low risk assets, such as a high yield savings account or short term bond fund. This at least keeps the capital intact and also generates some income.

I think I agree with you on this, I have an emergency funds that has been on my account for some time now and I have not touched it and the bank is taking their changes from the emergency funds, I have already decided to start lending the emergency funds out and then when those that borrowed it are paying back they are paying with interest and in other to protect my money if I'm lending you the money you most drop a sellable property that is worth that money or even worth more of that money that I can sell and recover my money when the date of repayment expires.
Because keeping that my emergency funds in a bank that will be deducting my money or in the name of bank charges is something that those not make sense to me.
Some set of people will ask what if an emergency happens immediately I borrowed that my emergency funds out how will I solve it, well I will simply borrow and solve it then when get my money back I balance things up.

[ruykeri]

Yes I agree to that, an investor practicing DCA buying weekly with little capital because of financial instability may find it difficult to reach his or her accumulation  target while the monthly investor with high capital finds it easy to get to his target at last,  Both weekly and monthly investment program are very good programs depending on salary scale at the particular point in time the bottom line of all is knowing why this investment programs are practiced. The main reason for practicing the DCA buying program is to accumulate assets over time and can not be done having profit generation as its primary aim of practicing because we may buy when the price is still high.

Different people are engaged in different types of professions. Some get their income weekly, some monthly, or after three or six months. For example, there are many who work on short-term projects, and when their project work is completed after three or six months, they get a very large amount of money. The main thing is that the person who earns knows how much he  will have to spend on his own and family's expenses until the next income arrives. He will manage the funds based on that and he will see how much money remains as his discretionary  income a . A person who earns monthly or weekly income will continue to accumulate Bitcoin by following the DCA method on a regular basis, weekly or monthly, with his discretionary  income after all the expenses have been incurred. Now, a person who will receive income after three months or six months will definitely have a much higher income. In that case, his discretionary   income will be relatively higher. Then he will be able to invest according to his convenience whenever the money comes to him. However, it is better to invest somewhat aggressively in Bitcoin at the beginning, such as accumulating Bitcoin with 70% to 80% of your discretionary  income. This will allow you to hold more Bitcoin with less money in the beginning, and the time to move to the over-accumulation stage will come much faster.

[Albert David]

I’m constantly buying when I’m able to. In a few years the current price will seem like a joke. Anybody who isn’t buying now will majorly regret it.

If we think about 2018, the price of Bitcoin was not that high then, but now the price has become very high, but if we think about the future of Bitcoin for 10 years and put some money there, we will get a good profit!

[Derekfunds]

I get where you’re coming from about diversifying, but from my own experience in 2025 that still doesn’t replace a real emergency fund. Other ‘profitable’ assets can also drop or get locked up right when you need them most. I keep a small cash emergency fund separate so I’m never forced to sell my Bitcoin at a bad time. It’s boring, but it works.

Emergency funds are indeed better if they are in cash and not invested in any assets. Investing emergency funds in certain assets does have the potential to generate profits. However, doing so is still very risky. So, the bottom line is that emergency funds remain emergency funds and should not be used for any other assets or for anything else. Emergency funds are used when we are experiencing an emergency. So, the point is, don't play around with emergency funds, even if it's for positive purposes, such as investing. Let emergency funds settle, and if possible, we should continue to increase them little by little to cover the value eroded by inflation. It's undeniable that inflation will continue to eat away at our money. Therefore, we must continue to increase our emergency funds to prevent their value from decreasing.

Investing with your emergency fund is not a total bad idea at all because after you have might paid all your bills and the money remaining becomes your discretionary income and inside that your discretionary income you can still generate out your emergency fund and started investing in the last 6 months and think you to invest using your emergency fund so that it multiple more income since you are not using it at the main time, you can invest with the emergency fund and tage it emergency fund which means it can be pull out if incase of unforeseen circumstances that might happen, so the reason why we should invest emergency fund is to back your really investment incase of anything, so you can decide on what to do with your emergency fund as per dividual convenient or best know to you, if actually you needed your emergency to in cash but left with me, i will say that once you progress with your Bitcoin portfolio that there are always a need to invest to have emergency fund.

While am struggling to really understand your point the fact is that it is wrong to invest with your emergency funds and there is no smartness in doing this at all it is called an emergency funds for a reason which means it has to be ready for the real reason of it's purpose, you sound as if you know when emergency will happen, nobody knows when this will happen and the level to which it will happen investing it is risky and it is not a good thing to do and is a total bad idea and advice if you ask me.

An emergency fund should only be used when faced with danger, whether it's for investment or to help Bitcoin investors through danger. If I can't help Bitcoin investors with an emergency fund, then why should I have a Bitcoin investment emergency fund?
Maybe that person is investing Bitcoin weekly, but if he is working and he gets a monthly salary then he will invest occasionally weekly and may not invest regularly every week. So if you want to follow regular investment weekly, you must use the emergency fund. Because you remember that the emergency fund is always kept to protect the investment from facing danger.

You made a mistake somewhere in your post I believe the right word to be used there should be discretionary income and not emergency funds because we don't use emergency funds to invest or accumulate Bitcoin rather we use our discretionary income for safety and security reasons. When you said emergency funds should be use when we face danger to me the word danger doesn't really fit in here I think what we should use is emergency and not danger because not all danger you will need to use emergency funds to solve but you will surely use emergency funds to solve emergency problem because that's its task.

[Lembo69]

Even if a person were able to organize his income and expenses in such a way that he was able to invest 25% of his income for more than 4 years, he still might need 2-3 cycles before he is able to accumulate enough bitcoin.  It would not be easy to be able to invest 25% of a person's income on a regular basis.  If he is able to put 1 years of his income every 4 years, then after a couple of cycles he would have had put a couple of years of his income into bitcoin, and so at hat point, whether he had reached enough or more than enough might well partly depend upon bitcoin's performance in that time, or even after the time that he had mostly invested into it.

As you said sir, if a person invests 25% of his income then it will be a big challenge for him, and it will take time to invest this 25% of his income for 2-3 cycles (4-8-12) i.e. if each cycle is 4 years then it will take 3 cycles of 12 years.

This investment period will not be easy for him at all. Family pressure may come in his daily expenses or other pressures.
Although he puts 25% in investment after all his expenses

If a 20 year old boy earns $25000 per month and wants to invest 25% from there then he must bring negative changes in his account. Which will be a little difficult for him.

However if he is able to manage his investment through DCA strategy then it will be easy for him to cover investment expenses and create emergency fund. As per your comment I think this will be an easy way for an investor.