[acme_]

Do not put your emergency fund into btc.

Emergency fund should be approx 6 months salary, both easily accessible AND reliable. With the amount of apps refusing to serve customers money and crypto nutjobs manipulating the market, BTC is neither.

I'm in the UK, so I have a 50/50 split between a regular bank account and premium bonds. Once I hit that 6 month salary between the two, it's a split (80/20 as I'm younger and more risk tolerant) of whatever I have leftover every month between a global index fund, and UK GILTs.

Simple, no worries, and basically everything I've seen reccomended since the 1950's.