Pretty much any investment, be it stock, crypto, or precious metal, comes with its ups and downs. They can grow over time, but they can also dip when the markets are shaky. So if you suddenly need money and you're forced to sell during a downturn, you end up losing money or getting less than expected. It's always smart to have an emergency fund over and beyond what is needed so you're not stuck selling your long-term investment when life gives you a curveball! We are the same @bozz. I am very conservative. I've been lucky so far.
!BBH
!LADY
!PIZZA