This condition actually teaches us that saving emergency money is also very necessary. for example, we put 30% of our salary or the income we have for investment, while another 30% for emergency funds, and the rest for savings and living necessities. although it is an easy strategy to understand, very many people find it difficult to do, especially people who are saving money, or investing. other than that, it would be very good if we are committed to investing until our goals are achieved, and look for other alternatives to cover our urgent needs.
Well, emergency money does not make sense to fund it indefinitely at 30%. The most that is usually recommended is about 6 months' salary. More than that is being too conservative because you will lose money to inflation. So, if you already have 6 months of salary saved like the OP, the rest is better invested somehow. The problem is that sometimes you may have a more serious emergency than those 6 months' salary and be forced to sell, but it's far from the most common. In the last 15 years, the maximum unforeseen event that I have had was 2 months' salary, everything else I was able to foresee and save in advance to meet the expense.
It should be noted that if you already have the 6 months and you foresee that you have to make a repair to the roof of your house because you have seen a leak, you have to save that money separately.
So, it hasn't happened to me like the OP, but in the extreme case of an unforeseen event that forced me to sell part of my bitcoin, I don't think I would regret it, because I would be forced by circumstances and money is there for those occasions, not just for parties and trips.
