I have similar feelings, a "
one last dip" scenario in the coming months before bull-run starts next year (or the end of this year).
Ironically just found out I'm getting a decent fiat inheritance from an in-law (completely out the blue), but won't be distributed until early next year

It's nice news, but I want to be buying up 6.5-7.5K range as per usual, not some 10-14K range next year, it seems very likely the fiat will lose 20-40% of it's value by then
Solution: Currently on the hunt for an off-line low-interest loan to cover me until inheritance

There have been a couple occasions over the last several years where I have taken out credit cards with 0% interest for ~16 months. This has happened during major buying opportunities.