In my opinion it's still good to buy now. You can still afford it now. I still believe that BTC will still go up to $50,000. So if you will buy now you will still have big profit in the future. Don't worry about the bubble they are talking about. Just focus on what it can bring you today. The bubble they are talking about is far from today. We don't really know maybe BTC will still hit $100,000. If it will go down I know it's not next year. Maybe more years to wait before it will happen. Anyway investments is like gambling just be careful any moves you make. If you found it will be going down, then just withdraw it and enjoy what you earn.