The problem with the whole sell when im broke or need cash thing. There is very little chance you get sick or broke when prices are high. You may find your forced to sell in a dip or at a loss. Always stack cash as well for that reason. Selling opportunities arent always there when you need it, usually they are small windows. Just keep that in mind, using speculative investments as your main savings base or security against sickness, old age or brokeness is More than a little risky. The best protection against emergencies is having actual savings to begin with.