Buy the DIP, and HODL!

[Bigjoe33]

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.

If I get you right, what you are saying is that as we are building our emergency funds, we can also invest with it since we are not using it, so that it can build and increase our Bitcoin accumulation very fast?  Sincerely bro, this a wrong approach to the Bitcoin investment and it's a NO for me. Don't forget that the main reason for building up your emergency funds is to help you stay long and stronger in your accumulation period..your emergency funds helps you to be able to buy Bitcoin and Hodl for a long term because, surely life will throw it's weights and challenges on you, and when this happens, it is your emergency funds that you use to survive and settle all this unplanned situations..

So if for any reason you want to increase your Bitcoin holdings very fast, because you are not using your emergency funds, then you start buying aggressively with your emergency funds, the question is, what will you do when challenges come, like accident, you got layed off from work, sudden critical sickness etc, how do you survive? This will make you pull off that same Bitcoin you accumulated prematurely, and this could be in loss, which is never a proper investment strategy.

The best is that while investing, we should keep building up our emergency funds and also other back up funds alongside. An investor can also save some extra cash from his discretionary income which he could also use to buy the Dip if it comes specially. Using your emergency funds to buy Bitcoin when you are not using it is very wrong and can cause you to lose your Bitcoin holdings too quickly

[gracreavix]

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.

The best is that while investing, we should keep building up our emergency funds and also other back up funds alongside. An investor can also save some extra cash from his discretionary income which he could also use to buy the Dip if it comes specially. Using your emergency funds to buy Bitcoin when you are not using it is very wrong and can cause you to lose your Bitcoin holdings too quickly

Having that clear separation between your emergency fund and your investments is what keeps you steady in the long run. Once you start mixing them, you’ll always feel that pressure, either regretting when you have to sell your Bitcoin at a loss during an emergency, or feeling unsafe because you don’t have a real backup to fall on. Building both side by side is honestly the smartest play, because it gives you peace of mind to let your Bitcoin stack grow without fear of what if something happens tomorrow..

And that point you made about saving a little extra from discretionary income to catch dips is so on point. That’s actually how you turn volatility into an opportunity. A lot of people shout buy the dip but when the market really dips, they are broke and just watch from the sidelines. If you already set aside a dip fund, you don’t panic, you’re actually waiting for it. That kind of discipline changes everything, and like you said, it keeps the emergency stash intact for its real purpose..

[Lidger]

[=laspol65 link=topic=5132720.msg65867366#msg65867366 date=1759312581]
 
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.

it is wrong to invest in bitcoin using emergency funds. There are times some people may think that they can be able to replace there emergency funds before an emergent situation, however no one can tell when an emergency will occur I believe that's the reason behind the name emergency funds. Using it for other purposes other than the purpose it is meant for is a very big mistake and I do wonder while some people will make the mistake of using there emergency funds to invest instead of there discretionary income.

Investment is important for us, but creating an emergency fund is not important for us. If the matter is such that we try to create an emergency fund to make continuous investments or to ensure continuity of investment, but while creating this emergency fund, our investment is hindered, then that emergency fund works against our investment. Investing by creating an emergency fund is a much later matter, those who have a lot of income can think about this issue, but those who have a limited income and have a little money left to spend on their family do not actually have any opportunity to create an emergency fund and when they are motivated to invest and when emergency funds are discussed with them, they are confused that if they cannot create an emergency fund, they will not be able to hire consistently, which will have a bad effect on their investment. Those who are investors should focus only on investment, try to expand your income to make your investment continuous. When your income expands, your investment will already be continuous, so there will be no need to create an emergency fund.

[sotelorene]

-snip-

You are correct, and this is very important for beginners to know because some of them think that they have to gather enough money before they can start buying bitcoin.

"Have to gather enough money" I think it's very subjective and it will vary from person to person. Some people find $20 sufficient to buy bitcoin - while others find $100 insufficient. It all depends on they plans and what they want to achieve - but the market will always be open and welcoming to anyone who wants to buy at any price. I don't mind how they approach buying bitcoin - that's up to them and their plans, but if they want to be long-term holders then they should know that DCA is a good approach.

People who finds $20 sufficient and people who don't find $100 sufficient doesn't only depend on plan rather, sometimes it depends on strength of your source of income because what determines how big or small your discretionary income will be is your source of income and I doubt if someone who is interested in Bitcoin investment with strong or good source of income will see $20 as sufficient because it will affect their portfolio I mean there won't be much growth in their portfolio and every serious investors mind or plan is to have an amazing portfolio.

[SilverCryptoBullet]

Investment is important for us, but creating an emergency fund is not important for us. If the matter is such that we try to create an emergency fund to make continuous investments or to ensure continuity of investment, but while creating this emergency fund, our investment is hindered, then that emergency fund works against our investment.

If you don't manage your finance well, you can not manage your investment well because during investment and holding time, many things can affect your finance, and force you selling your coins even you don't want to to this.

Emergency fund is one of several important parts in everyone finance, from spending fund, emergency fund and saving fund that can be used all or partially for investment. Assume you don't have any money for emergency fund, you will have to sell your bitcoins with urgent need and with loss. It's barely happen but don't blindly think it will never happen with you.

Investments is for gaining profit, not for getting loss with whatever reason like emergencies and I am sure you can manage to have emergency fund for avoiding unwanted loss.

[ZeroVinsonN]

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.

So why have an emergency fund in the first place if you are just going to invest in at the end of the day, true enough the emergency fund is usually gotten from the discretionary income same as your investment but you need to understand that this is done for a reason, if the emergency was good to invest with the weather wouldn't be wasting time saving the money for emergencies when we can just throw everything into building up our bitcoin investment, at the end of the day if you have saved up for 4 months worth of emergency fund and then you decide to invest then wouldn't it have been better (profit making- wise) to just pour everything into investment right from the start rather than wasting all that time calling it an emergency fund only to start DCAing it now or even using it to buy the DIP.
Then about the bold part, you will pull out your emergency fund from your investment if you run into an unforeseen circumstance??? That again begs the question of why invest in the first place with your emergency fund? Let's think about your plan for moment, you put in you emergency fund into bitcoin investment, the price DIPs to about 20% and then comes up an unforeseen circumstance which then leads you to pull out your emergency fund which really means selling you bitcoin in order to get your emergency fund back, you would have sold at a loss of 20%, that's alot especially since the whole senerio could have been avoided if you had actually treated your emergency fund like an emergency fund.

Considering the way dollar 💰💰 rate is increasing, i think someone needs to monitor the market closely, today it's increasing tomorrow it's reducing.

First off, we are not discussing about the rise and fall of the dollar rate, this is a bitcoin thread so it would be better to stick to bitcoin and only reference the dollar when necessary the same way a shitcoin should only be referenced when necessary so as to avoid confusion on what's actually being talked about. If you are a trader then you have to monitor the market closely since your profit or loss depends on it, I think (because I'm not really sure how it works with trading) but for investing, monitoring the market is a bother that should be avoided because you probably only monitor to market to look for a good time to enter and as far as bitcoin investment is concerned every time is a good time to enter.

I think the best thing to do know is to buy with enough capital and also it's important to know the DCA before buying

Buy with enough capital like Lump sum purchase or??? I'm not sure I understand your point here, it's all too confusing and then knowing the DCA before buying still sounds like you are talking about knowing the market.

[Just Common]

[=laspol65 link=topic=5132720.msg65867366#msg65867366 date=1759312581]
 
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.

it is wrong to invest in bitcoin using emergency funds. There are times some people may think that they can be able to replace there emergency funds before an emergent situation, however no one can tell when an emergency will occur I believe that's the reason behind the name emergency funds. Using it for other purposes other than the purpose it is meant for is a very big mistake and I do wonder while some people will make the mistake of using there emergency funds to invest instead of there discretionary income.

Investment is important for us, but creating an emergency fund is not important for us. If the matter is such that we try to create an emergency fund to make continuous investments or to ensure continuity of investment, but while creating this emergency fund, our investment is hindered, then that emergency fund works against our investment. Investing by creating an emergency fund is a much later matter, those who have a lot of income can think about this issue, but those who have a limited income and have a little money left to spend on their family do not actually have any opportunity to create an emergency fund and when they are motivated to invest and when emergency funds are discussed with them, they are confused that if they cannot create an emergency fund, they will not be able to hire consistently, which will have a bad effect on their investment. Those who are investors should focus only on investment, try to expand your income to make your investment continuous. When your income expands, your investment will already be continuous, so there will be no need to create an emergency fund.

Lidger, I would say that investing in any place urgently is not the right decision. Whether it is investing in Bitcoin or investing in any business. In my opinion, I think that investing should be done with a long-term plan. And if someone invests in an urgent business, then the business cannot make much profit, but there is a possibility of loss. Then, if someone wants to invest urgently, I would tell them to follow DCA and invest with the advice of those who are experts in that subject and have previous experience. But maybe success can come.

[Umulala-alala]

Considering the way dollar 💰💰 rate is increasing, i think someone needs to monitor the market closely, today it's increasing tomorrow it's reducing. I think the best thing to do know is to buy with enough capital and also it's important to know the DCA before buying

You mean bitcoin or dollar? Why monitoring the market closely did you plan to sell when there is an increase in BTC price? There is nothing bad watching the market but it shouldn't be done constantly as long term investor you don't regularly need to be monitoring the market all the time since u never plan to sell premature and you should also know that bitcoin is volatile that's why you see it go up and down so your focus shouldn't be on the market but how to be buying more bitcoin.

You can buy bitcoin with enough capital if that is your discretionary income which is the lump sum strategy, you can also be buying consistently using the dca strategy weekly or monthly and hodl.

[Nheer]

Considering the way dollar 💰💰 rate is increasing, i think someone needs to monitor the market closely, today it's increasing tomorrow it's reducing. I think the best thing to do know is to buy with enough capital and also it's important to know the DCA before buying

You mean bitcoin or dollar? Why monitoring the market closely did you plan to sell when there is an increase in BTC price? There is nothing bad watching the market but it shouldn't be done constantly as long term investor you don't regularly need to be monitoring the market all the time since u never plan to sell premature and you should also know that bitcoin is volatile that's why you see it go up and down so your focus shouldn't be on the market but how to be buying more bitcoin.

He's probably confused. I think he has more learning to do rather than posting.

[Agbamoni]

If I get you right, what you are saying is that as we are building our emergency funds, we can also invest with it since we are not using it, so that it can build and increase our Bitcoin accumulation very fast?  Sincerely bro, this a wrong approach to the Bitcoin investment and it's a NO for me. Don't forget that the main reason for building up your emergency funds is to help you stay long and stronger in your accumulation period..your emergency funds helps you to be able to buy Bitcoin and Hodl for a long term because, surely life will throw it's weights and challenges on you, and when this happens, it is your emergency funds that you use to survive and settle all this unplanned situations..

Tampering an emergency funds for something that is not an emergency is wrong. Just as the name implies "EMERGENCY". It is meant to cover up expenses that may arise due to unexpectedly in the future. And yeah, as long as we we have an emergency fund it will save us from tampering our portfolio when those needs arises.

I understand most investors try to be aggressive. However, if they want to be aggressive more into accumulation, it is better if they go get another high paying job, or work extra time, in fact anything that can earn them extra income so that their discretionary income will he large. Using funds kept for emergencies shouldn't be an option IMO.

[Silikiem]

try to expand your income to make your investment continuous. When your income expands, your investment will already be continuous, so there will be no need to create an emergency fund.

I do not agree with your statement here because I don’t think that income expansion or growth automatically is a guarantee that your investment will survive or be continuous over time. You may have numerous sources of income but without the right financial management skills there’s every tendency that your investment will crumble over time. What you need as an investor to keep your investment going isn’t just income expansion but a right financial management skill which will enable you to make good financial investment decisions regarding the management of your finances and further protect your investment for the long term goal. I’ve seen investors with very little or low income being able to manage his finances very well and sustain his investment over time, and I’ve also seen investors with multiple income sources and expansion not being able to sustain their investment over time due to lack of good financial management skills, they end up having multiple financial crisis.

And in this context, as an investor I don’t think you can do without the emergency funds for your investment, the importance of the emergency funds cannot be over emphasized when it comes to protecting our bitcoin investment over time. For your investment to be able to stand the test of time then you surely need the emergency funds except you want to depend on your bitcoin holdings for your emergency situation which means you’ll be selling your bitcoin holdings whenever you’re in an emergency which needs financial aid to settle, and once you start selling your bitcoin investments prematurely then you’re no longer an investor but what you’re doing is gambling and trading. In a nutshell, all I’m trying to say is that weather you expand your income or not, you still need an emergency fund for your investment to be able to stand or continue for the long term goal.

[Barikui1]

Tampering an emergency funds for something that is not an emergency is wrong. Just as the name implies "EMERGENCY". It is meant to cover up expenses that may arise due to unexpectedly in the future.

You are right here and I also share the same sentiment with you bro, emergency funds should only be tempered with when their is a real life emergencies that threatens your Bitcoin investment, not used to accumulate or sort out some needs that doesn't threatens your Bitcoin holdings.

I understand most investors try to be aggressive. However, if they want to be aggressive more into accumulation, it is better if they go get another high paying job, or work extra time,

Being aggressive in your Bitcoin accumulation is not a bad thing if you ask me, it's a very good practice that will make your stash of Bitcoin grow faster especially if you are still lagging behind in your accumulation journey, but it should be done within the confinement of your discretionary income, so that you wouldn't have problems.

Lastly, their is a saying that excess of everything is bad, if you are accumulating Bitcoin aggressively and you are not over doing it or go all in on your investment, then you will be fine, because what's put Bitcoin Investors in difficult state is over doing it to the extent that it became a challenge in meeting up to some basic needs, so if it can be done within the confinement of your discretionary income, then you will be fine.

[Dictator69]

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.

That's great! Updates like these are motivating, even though I don't mine myself. I do have a strong urge to start mining Bitcoin, but I'm not sure how it would work out for me. As I used ChatGPT to calculate the reward just on the fee structure for the Antminer S19j Pro, I have not checked the cost of it yet.

ChatGPT calculated everything and said you will make a loss at the end of the year. I don't know how accurate is this, but if you want to open this up for me, that would be great. The electricity cost per kWh is 0,13$ without tax. With tax it can be double or triple, or maybe more as it depends on the kwh I uses, with more kwh the cost increases too with tax as well.

[Bluedrem]

People who finds $20 sufficient and people who don't find $100 sufficient doesn't only depend on plan rather, sometimes it depends on strength of your source of income because what determines how big or small your discretionary income will be is your source of income and I doubt if someone who is interested in Bitcoin investment with strong or good source of income will see $20 as sufficient because it will affect their portfolio I mean there won't be much growth in their portfolio and every serious investors mind or plan is to have an amazing portfolio.

Isn't it better to have a dollar in your pocket than to have nothing? Now if every person wants to invest in Bitcoin with discretionary income, then maybe he will delay it too much or he will never be able to invest in Bitcoin because not everyone has a lot of discretionary income. Everyone wants to invest in Bitcoin to protect their money from inflation and to earn good profits from savings. Since Bitcoin is a long-term investment process, now the question is how can a person make his Bitcoin investment sustainable? To make Bitcoin investment sustainable, he must invest from discretionary income.
For example, suppose a person's discretionary income is $100 per month, then he can invest $70 in Bitcoin from there.
Again, suppose a person's monthly discretionary income is $1000, then he can invest $600 in Bitcoin from there.
Maybe after 10 or 15 years, the Bitcoin portfolio of the person who invested $600 per month will be healthier than the one who invested $70 per month in Bitcoin, but both of them will be able to benefit from it.
Therefore, if there is a reasonable income at the beginning of investing in Bitcoin, without thinking too much, then no matter how small it is, you should start investing using the DCA method.

[BlackBoss_]

Being aggressive in your Bitcoin accumulation is not a bad thing if you ask me, it's a very good practice that will make your stash of Bitcoin grow faster especially if you are still lagging behind in your accumulation journey, but it should be done within the confinement of your discretionary income, so that you wouldn't have problems.

Investment in bitcoin is a good decision but how you do this will decide your investment result.

I really disagree with Aggressive Bitcoin Accumulation because this saying can trigger people to FOMO that is not good at all. Saying is just saying but with different words, we can stimulate people action differently so I would like to be carefully with our advice to newbies in this market. They must start with right mind about the market, risk and chance, how to accumulate bitcoin safely without FOMO.

[GIF-JOBS]

[=laspol65 link=topic=5132720.msg65867366#msg65867366 date=1759312581]
 
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.

it is wrong to invest in bitcoin using emergency funds. There are times some people may think that they can be able to replace there emergency funds before an emergent situation, however no one can tell when an emergency will occur I believe that's the reason behind the name emergency funds. Using it for other purposes other than the purpose it is meant for is a very big mistake and I do wonder while some people will make the mistake of using there emergency funds to invest instead of there discretionary income.

Investing with an emergency fund means throwing away the financial safety net for unexpected times and therefore when you do not have an emergency fund and you face an emergency, then your financial situation will be more very bad. No one knows when you will suddenly need money for medical treatment, accident or any other emergency, so using emergency fund for investment is a big risk, as a result, it will become very difficult to handle unexpected situations, due to which you may have to face more losses. So you have to be careful, do not have an unrealistic mindset towards investment, here you have to invest carefully considering the ability, so that you do not have to decide to sell your holdings in a bad situation.

[ODG001]

I'm constantly buying when I'm able to, Bitcoin has continued to improve in growth and influence over the years. You can't compare the price of Bitcoin 5 years ago to it's current price

It's a worldwide digital currency which has come to stay so I always advice new investors to BUY and HODL while old investors increase their portfolio according to their capacity.

[Hewlet]

Considering the way dollar 💰💰 rate is increasing, i think someone needs to monitor the market closely, today it's increasing tomorrow it's reducing. I think the best thing to do know is to buy with enough capital and also it's important to know the DCA before buying

You mean bitcoin or dollar? Why monitoring the market closely did you plan to sell when there is an increase in BTC price? There is nothing bad watching the market but it shouldn't be done constantly as long term investor you don't regularly need to be monitoring the market all the time since u never plan to sell premature and you should also know that bitcoin is volatile that's why you see it go up and down so your focus shouldn't be on the market but how to be buying more bitcoin.

you can point out dozens of flawed knowledge about bitcoin from his statements which are clear indicator that he is yet to understand how bitcoin works. in the first place, you can not talking about the importance of buying with the DCA method and at the same time talk about monitoring the market. DCA by itself means that you are not going to monito the market but rather that you are going to have an accumulation plan that you are bent on sticking to.

The fact that newbies tend to see monitoring the market as one smart move tells of why newbies investors find it hard to get started in their investment because they always feel that the next waiting point is going to present a better buying opportunity for them. if only they knew that every time you wait and procrastinate buying, you are doing yourself a disadvantage and might miss out on a good buying opportunity. those that were skeptical about buying when the price of bitcoin was below $115k would be regretting now seeing that in less than a month, we are currently witnessing bitcoin going really up the moon.

[Tonimez]

I'm beginning to read a lot of posts now trying to belittle the importance of emergency funds and most of those posters try to justify their personal reasons for encouraging investors to undermine the importance of emergency funds. I hope we all get to the level we wish to attain in bitcoin. In Bitcoin investment, I suppose that anyone engaging in it should understand that greed is not an attribute of a good investor and that the Idea of getting rich quick is a common enemy in bitcoin success journey.

I am beginning to think that it seems most people don't really practice what they preach or either others, for their own reasons, choose to lead other lower investors astray possibly based on competitive approach. Emergency funds is not to be tampered with foe any reason if we all believe that emergency situations don't give notice prior to its occurrence.

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

This can also be regarded as playing too smart on bitcoin and it's not a very good idea. Most time it does not end well. How do you know that no emergency situation would arise within the period after investing with you emergency funds and/or how sure are you that bitcoin volatility would not affect the invested funds negatively should you intend to sell off in the event of an emergency situation. More so, are you well prepared to incur every loss that may happen to your funds when you sell part in other to tackle an emergency situation that arises after investing your Emergency funds. That someone played smart and succeeded does not imply you would also succeed. So the best any investor can do is to follow a less risky approach in order not to get frustrated out of bitcoin investment.

[In_cu_bent]

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.

I find it difficult to comprehend everything you have said here but if i may get you correctly you are trying to say that one can invest his emergency fund which is a very wrong way to invest, if you use up your emergency funds to invest then when you have money matters that requires urgency how will you get money to attend to it, are you going to sell part of your holding to sort it out? it is totally a very wrong idea to invest your emergency funds because it must remain in fiat so that anything money issues that requires immediate attention like health issues, you will use that money that you have set aside in case of urgency to manage such situation. Never you go with the idea of investing your emergency funds along if not you will end up selling your bitcoins too soon when urgent needs arise.