Do you think it's better to save in stable coin like usdt or I should just keep the money in the bank?
If you have set aside some of your money to start investing, then do it. You don't have to wait for the right time, because the right time to invest is when you have funds.
if you are waiting for your money to accumulate in a certain amount you want. My advice is still to save your fiat money. do convert it to a stable asset, but keeping it on exchange is also not a good option.
once your money is collected, make an asset purchase and withdraw it to your personal wallet. Hold on until your target plan is met.