How would I know if it will be the historical time to buy the coin? Is there some sort of a signal that it will continuously arise-maybe fall a litter but will surge again? It's very hard to predict and I have never ever succeeded in a holding for even more a than 3 months, I directly sold them all.
Recently these "Bitcon Historians" have been popping up on social media and telegram channels who seem to make such predictions. I would not trust anyone except my own decisions on crypto holdings. These very may be shills/sockpuppets of FUDstars. Also holding takes patience and not having patience is a bad quality - you should try to improve it and also do some research before investing in an altcoin. For bitcoin its price will rise and fall but net rise will be there.
Of course, I absolutely encourage people to always have some money aside away from crypto because you don't want to be forced to sell at an inconvenient time because all the efforts will be worth nothing.
I dont think the discussion here is pointing to that. Keeping money in saving and outside cypto should be there for everyone. Otherwise how are they going to pay their bills?