This is why it is not good to be waiting and piling up your funds in fiat when you already have an additional income which you can use to invest in bitcoin without a problem and hodli for long. It is never risky because you started earlier than waiting, and you are on a long term bitcoin journey using DCA strategy which will reduce the risk in bitcoin investment due to its volatile nature. You should also note that the price that you are buying today, might not be the price you will next next year because bitcoin price increases overtime, and this is why the investors who bought early are in great profit. The cheaper the price the easier for you to accumulate more bitcoin, and the higher the price of bitcoin the harder it becomes to accumulate more bitcoin. Don't wait in poverty instead of fighting your way out of poverty with investing in bitcoin immediately you have the money
Waiting and piling up the cash in fiat before you buy is totally the wrong approach if you ask me because Bitcoin isn't a stable coins and you can't expect the price to sit around and wait for you to gather all the money first before you now use when you are satisfied with the money for investment. The right thing to do is simply to keep striving to accumulate just like you have stated with the little earning so that you can meet up with atleast the lower price because you can't tell when the price might go up or even down.
Even though bitcoin is not a stable coin that shouldn't discourage who wants to save up money to invest from investing in a wrong time, note, as the price isn't stable it makes it easier for any investor to save and invest whenever he wants to as no time is late to invest and to take profit. I think it is right to have have a stable income before investing in bitcoin since it will reduce the panic and fear of the investor but anyone who is investing with a little earning will only be hoping to get a quick profit which may never happen easily unless the price increased tremendously after investing so I think saving enough money and having a good and stable income should be considered by anyone before holding bitcoin.
There is no room to fear as you said all one need is to
planned well and save before engaging on the investment, this can help investor to accumulate even more as the attention to quickly withdraw won't be there is a result of not planing properly that make most people that engage on BTC begin to consider withdraw so fast because they are choke with other responsibilities that that can't deal without venturing or touching tje investment,you can only see the value more when there some set outside strategy of handling some daily impressing needs outside one investment.
In as much as we emphasizing much on Bitcoin in terms of investment (long term), Bitcoin also serves as a store of value, a save heaven offering protection against inflation hence attenting to save up before you invest might not be a good approach considering the fact that Bitcoin price can not be be waiting for anyone to save up before investing. However, since you might not necessarily be buying a whole Bitcoin, a fraction of it can be bought with as little as you have through the dca strategy either weekly or monthly on different intervals according to your financial situation irrespective of the
price point, as it can take fewer and fewer of Bitcoin to have a reasonable size, it will only take a longer period of time which is better than waiting to save up before investing, what is most important is understanding how much or the level of your spare or leftover cash (discretional or disposable income) after taken care of your personal needs and provisional emergency funds inclusive, if only you can be consistence with your dca strategy with as little as you have, it is better than saving up before investing.