I don't say it's too late to buy fractions of a Bitcoin, but it's very difficult to accumulate a whole bitcoin these days. I really hope that Bitcoin will drop in the upcoming bear market in 2026 to roughly 50K. I'd then be able to buy 0.5 Bitcoin.
I understand that and that's why there's the strategy called 'dollar cost averaging' or DCA. You don't wait for any drop to buy it. As long as you've got money ready and you've got a long term plan, you can buy it at any rate as you wish. But I do understand as well the position like you guys are in, you'll have to wait for it to drop and I won't blame you for saying waiting it drop to $50k or even lower. But to wait for a year or so, you really need some patience with that.