It’s different for everyone but define your ratios.
What percentage of every check goes into bitcoin end what goes to expense wallet.
Marne inflation is so high this has to be quite flexible.

Rainy day to me is a years + worth of expenses in a country where cost of living is low.
I am an expat with family in a country if I lose my job I have to leave or find another job pretty soon  

 We calculate 3 months, but it's getting harder to maintain that and we keep getting wiped out by one-off outlays.