For now you should buy until price reaches $50k. When it reach $50k in 2021 you just start spending money that you would use to buy BTC. Treat yourself. Then a year latter when price is around $100k you start buying again.
i have the feeling it will be more than 50 K $ in 2021 but i may be wrong .... or maybe it will be 50 k at the bottom of the next bear market 
I did not said that Bitcoin will not be higher then $50k in 2021. I said that you should buy until it is $50k.