Now, I have a clearer picture of what a "No Touch fund" is for you. It's definitely long-term and it's something that I can do using a tiny portion of my monthly income since I still have about 25 years til my planned retirement.

I don't plan to retire early unless crypto goes 100x (lol)

Based on your explanation, I think a No Touch Fund is something that everyone should consider in order to live a financially secure lifestyle in the future. The good thing about it is that it shouldn't take a big part of the income if funded on a regular basis and if was started early in life. I actually like this concept and to be honest I didn't know or thought of it until you brought it up in the comments. Starting today, I will set a small portion of my income to go to a dedicated No Touch savings account.

Thanks for all of the explanations, I learned something new today :)