As a newbie who has a little knowledge of cryptocurrency but much interest in purchasing bitcoin for a long time Hodl, since the purchasing capital is not included in my spendable budget and the price of bitcoin is not very high at the moment 16k, what should be my fear?
You don't need to get a big capital before you start buying Bitcoin. You can Bitcoin as low as the amount you can afford, buying Bitcoin in fraction is the easiest way to acquire bitcoin. If you wait to buy the exact big amount you want, you may keep wishing to buy and never buy at last.
Pls, advise me.
It is adviceable for you to get knowledge and understand bitcoin first before going ahead to invest, you need to understand bitcoin market and the risk so that you can invest in peace when the market goes down, by then you already understand the market and you don't have any panic to fear to sell at lose.