If you're a relative newcomer or you have blown your stash thinking you have years to faff around and accumulate my advice is do whatever you can to accumulate 1 Bitcoin before it reaches 100k. Once that's reached and its on it's way to 200k it's going to become very difficult to accumulate for regular folks.
I don't think it will be difficult to accumulate Bitcoin if it does reach 200k or more because you could still purchase satoshi though, it doesn't necessary for your to accumulate 1 Bitcoin because even satoshi could make you a millionaire as the price of Bitcoin increases.
If you can jumpstart your entry by borrowing 10k, 20k or 30k from the banksters do it - Have no fear! Buy $20 chunks as often as you can, pay no heed to the price.
Though Bitcoin can bring back your borrowed money still it is not recommended to use someone's money to invest or the money you cannot afford to lose as Crypto Market is still risky after all. Besides, Bitcoin will not always on a bull trend there will be times bear will come, and by the time you are probably pressured enough to sell your invested money on Bitcoin.
Ditch your daily $5 Coffee - that's $150 of Bitcoin per month, stop the pizza delivery, buy $15 of BTC instead. A few small changes in lifestyle and you will be surprised how much you're accumulating.
You don't even need to ditch those things like your coffee because your health is still the most important, you could save though like avoid spending your money on unnecessary things, that would be better I think.
During the journey you may want to punt a portion of your BTC on an Alt you believe will rise greatly - be careful though and do not panic if your alt crashes because 99% of the time they will recover to the price you bought in at.
Well it depends on the alts you are going to invest, if that is a promising coin then even if it crashes be assured that it will recover, just hold it when it happens.