I don't know what will happen in 2026, nobody knows. But I that if you care about the price, you are fucked anyway. Get the emotion away, just follow simple rules that are not dependent on external factor. If you don't plan any large purchase in the following 6 to 18 months, just chill, relax and stack regularly what you are willing to save.

If you plan a large purchase (relatively to your situation), just sell regularly until the date you need the money, to average out the cost.

In any cases, if you cannot afford to spend 2 to 4 times more BTC than today price, then you should not make that purchase, it means if you spend it now and price goes 4x up, you would feel like you lost 3/4 of your BTC for nothing, as you could have wait and spend only 1/4 of your BTC for the same thing. And same on the other direction, if you spend now and BTC price goes -75% down, you could have use that cash to buy back 4 times more BTC, but you cannot as you spend that money already.

Morality, just spend what you can really afford, whatever the price of BTC is, a BTC spend is a BTC lost, if you don't spend (as few as possible) you retain more value over time for getting free in the future.

Once you will spend sats whatever the price is without overthinking, you will reach the right Bitcoin mindset, pricing your life in BTC and ignoring the shitcoin fiat background noise.