It's always time to buy bitcoin if you have fiat to spare. Fiat price irrelevant. The important thing is to hodl for long periods. Don't buy with fiat you need to use for expenses next week.

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But fiat is important because that’s how it’s useful in the real world

Right. Like I said, you keep your required immediate fiat expenses in fiat. Hopefully you don't live paycheck to paycheck. Clock your savings into bitcoin and hodl. Otherwise hfsp

I do for now. Lol