Questat I understand your point, investments need raise some good capitals which saving maybe part of the plans to achieve it. That's true but the real matter is; doing that savings and holding too long on the fiats before realizing the exact amount in need would be a double expenses (waste of values) since inflation is inevitable because the ability to achieve that dream will require more money after your savings in the long term had been devalued.
However, we can still invest in crypto with the least amount we can afford from our discretionary incomes. So instead of stacking fiat for that long all for investment, investing on the lows on crypto gives you against devaluation while you can diversify from your bitcoin investment profits overtime of your holdings.