What ppl shouldn't do is buying because of FOMO. It's spread by ppl who've already made their own bitcoin buys at lower price than you're going to pay. It's going to be helpful for them if ppl buy because of FOMO so don't.
I don't know ppl in real life who've got $38k to buy bitcoin. Investors did buy bitcoin at $60k they haven't seen a profit so they shouldn't spend their savings on crypto.
Currently the price of bitcoin is around $38k. I think that even though the price of bitcoin is a little more expensive than the price you bought it at that time, it seems that it is still worth buying bitcoin at this time because the market performance is good and the potential for price increases continues. Therefore, if you are sure to buy now and can hold it until at least when the halving occurs then this is the right time for you to buy so that when the price reaches at least above $50k you can make a big profit.