Can't decide if it is the right time to buy BTC or wait.

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Too high to buy inmho

Yeah, it will go down a lot soon like every other bull run

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.

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

I would wait until it’s 50k and then decide it’s too expensive.