I do not think that people who of not have sufficient funds at the moment can afford to invest a lot, particularly at this time, as the one famous saying goes, invest only the capital you are ready to lose. So, invest little by little until the next bull run, sell high and hopefully buy low.
That's DCA.
But many of them will not do that and they'll be looking at the market's gain while them still not initiating their own style of accumulation. The market is quick and aggressive and I don't think that many of them will take chances and opportunities.
It's advice for everyone, rich and poor, and anyone who has enthusiasm in the market.