If you have a steady income and discretionary income, there is no need for you to delay your bitcoin investment or try to buy bitcoin later when you already have the money to invest in bitcoin now. Delaying your bitcoin investment when you already have the money that would have allowed you to invest in bitcoin comfortably will likely make you not to invest in bitcoin when you are ready. Because if the price of bitcoin is very high at the point when you want to invest in bitcoin, you will see it like you have missed out on bitcoin, and it will likely make you not to invest in bitcoin again. Since you cannot possibly buy the quantity of bitcoin you want to hold for the long term at once, it would be better for you to kick-start your bitcoin investment now so that you can start the journey of accumulating the quantity of bitcoin you want to hold for the long term.
The price of Bitcoin can never be too high to the point that it will make someone not to invest because if you check the value or price of Bitcoin some years back you will see there's so much difference between then and now and yet people are still investing it do you know why because as the price of Bitcoin is changing or increase so is some human being increasing and changing (financially and others) so there's no level Bitcoin will reach that people will not or can not invest in so long as the DCA method still exist and secondly the price of Bitcoin can never make someone not to invest unless the person is not serious about it or the person doesn't want to invest.
Mate, I would suggest you read the quote from @Mayor of ogba again. You are correct, but you may not have fully understood what @Mayor of ogba was trying to convey. You should try reading the quote again and understanding it better. He did not say that Bitcoin will become unaffordable to the point where no one will be able to invest. Rather, he said that, in the long term, you will not be able to buy all the Bitcoin you want at once. Without a doubt, this is completely true.
We all have big dreams or long-term goals when it comes to Bitcoin investment, which may not be achievable in a single day. For example, let’s say you’ve set a time frame of 3 cycles (12 years) for your investment, and your goal is to accumulate 100 Bitcoins in 12 years. Now, imagine from your position, is it possible to buy all 100 Bitcoins at once? Perhaps you are a wealthy person, and you could afford to buy 100 Bitcoins at once. But you need to keep in mind that the more wealth you have, the bigger your goal will be. This is similar to what we see with top Bitcoin investment firms like MicroStrategy. Since they own large amounts of money, they are capable of buying 10k+ Bitcoins at once, and they do so. In this case, their goal is also very large, and they cannot fulfill it all at once. So, they continue to invest consistently using Dollar-Cost Averaging (DCA).
The essence of @Mayor of ogba quote was: you will not reach your goal all at once. To reach your goal, you need to be consistent and make multiple investments in Bitcoin. Therefore, you should not delay your investment just because you can’t buy it all at once."