I am also guilty of procrastinating alot and sometimes missing out on opportunities. I really am trying to change that habit and learn to make prompt decisions when necessary.
In the issue of buying btc, there is no point on procrastinating because it will be the best decision you made. History of btc can tell already what to expect and buying to hodl is never a wrong choice.
Bitcoin is still in its early stage therefore I think the best time to buy is when you have the money. Some people want to wait will the price of Bitcoin get to an all-time low before they buy. Some of them end up mismanaging the funds or even spending them on luxury. Others keep the money in the bank and the money will lose value due to inflation. Keeping money in fixed deposit until the price of Bitcoin goes low might not be helpful in some countries. The price might never go down to the extent one expects so buying now and holding is never a wrong choice regardless of the price.
Hint: If you are talking about bitcoin, then use the term bitcoin, but if you are talking about something else, then say what you are talking about rather than making some kind of vague reference that does not really have meaning... "I am invested in cryptocurrencies." That's a meaningless statement that does not tell us what the fuck you are invested into... specify.. what it is that you are talking about so that we have some kind of idea, instead of just spouting out some vague and meaningless reference.
The word "crypto" is misleading and ambiguous there should always be a clear distinction between Bitcoin and others. If we don't, we might end up misleading people that are not aware of the clear difference between Bitcoin and these shitcoins.