If I’m being totally honest, this current price downtrend doesn’t make me panic. It makes me want to buy more. Every red candle feels like the market whispering, “Stack while you still can.”
The problem? I’m almost out of gun powder.
That’s the frustrating part. I’m expecting some extra money in December, but in my head I’ve already built this scenario where crypto starts rallying before that cash arrives. Classic timing mismatch: the market doesn’t care about my payday schedule.
In moments like this, my eyes always drift toward my emergency fund. It’s just sitting there, stable and boring, while prices look “cheap.” And yeah, I’ve been tempted to dip into it “just a little” and tell myself I’ll top it back up later.
But there’s this other voice in me that’s louder:
Only invest money you can afford to lose.
My emergency fund is not that money. That’s the buffer between me and real-life disasters: job loss, medical stuff, family emergencies. If I gamble that away chasing a dip and the market keeps going down (which it absolutely can), I’m not just wrecking a trade — I’m wrecking my safety net.
So for me, this whole situation is a discipline test.
Yes, I want to stack more. Yes, I feel like I might be “late” if the rally starts before my December cash comes in. But missing an entry is always better than blowing up my risk rules. There will always be another setup, another dip, another cycle. There won’t always be another emergency fund if I drain this one.
Lesson learned (again):
- Be disciplined when it’s hardest.
- Accept that you won’t catch every move.
- Prepare better next time so you do have dry powder ready for these moments.
For now, I’ll let the FOMO burn a little… and keep my emergency fund exactly where it is.