Maybe that depends on the understanding that you have now, because if you think that $35k is too expensive for you, I'm sure you won't be able to buy Bitcoin. But if your intention is to save only when you have something to buy, you will definitely be able to save regardless of the price.

This is what is often done by those who accumulate bitcoin little by little. There is a decision, rather than just a plan, but no steps are being taken for these plans.