Of a truth waiting to get all our budget figured out before getting started will make us not to start our accumulating journey on time, but I feel that this is supposed to be a personal decision if we are to get started or to wait until we get all this figured out. so you can't possibly say that is not necessary to wait until we get all this matters sorted out before getting started, as you can't speak for others, If you feel that getting started is your best step to take maybe with time you will be looking for a way to get all this matters figured out, is also a nice idea. So I feel that this is just a personal decision.
It is a wrong idea for someone to wait for a certain amount of money before starting to invest in Bitcoin. It is totally a waste of time, as you said. It is even very possible for that kind of person to divert the money to something else that may not be a good investment, like Bitcoin. No amount of money is too small to start investing in Bitcoin. If it's $100, it's better to start from that amount and build up gradually for the long term. In fact, it is even possible for someone to make the money grow to the amount they wanted to budget for Bitcoin investment. But what if inflation occurs? It will definitely affect the currency, which means the money will lose value, while Bitcoin’s price will continue to rise. So, the better way for anyone is to start investing in Bitcoin as early as possible, even with a small amount they have. I believe that is the best way.