How much price do you want bitcoin to be before you know that you can afford it? The justification you wish to use for not being able to invest in bitcoin due to its high price is the same one that a lot of investors used when bitcoin was only worth $20k at the Q1 of the year. They missed out on buying bitcoin at that price as a result.

Since bitcoin is currently trading at a price above $40k, a lot of people are experiencing FOMO, which causes them to invest money they can't afford to lose to avoid missing out on the chance to buy bitcoin.

That is the kind of dilemma people who consider bitcoin price first before making an investment end up in. Do you wish to find yourself in a dilemma like that? No, should be your answer. So if you have the money you can spare, invest in bitcoin now.