Struggling with "Don't Buy at ATH" vs. Fiat's Decreasing Purchasing Power for BTC

I'm stuck in a dilemma and could use some thoughts from the community. I keep hearing "don't buy Bitcoin at all-time highs" because of the risk of a price correction, and historically, BTC has had big dips after peaking (like 2021's drop from ~$69K to $17K). I get the logic, buying at a peak could mean less BTC if prices tank. But here's my issue: if I wait, the purchasing power of my fiat is shrinking due to inflation (like 3-5% a year). So, even if I hold onto my cash, by the time I buy later, that same amount will get me less BTC because my dollars are worth less and BTC might keep climbing (like if it hits $150K from $100K). It feels like I'm screwed either way, buy now at ATH and risk a dip, or wait and lose purchasing power. For example, $1,000 today buys way less BTC at $100K than it would’ve at $60K, and inflation just makes that worse over time. I’m leaning toward dollar-cost averaging to split the difference, but I’m curious: how do you guys balance the "don’t buy at ATH" advice with the fact that sitting on fiat means losing value every day? Anyone else feeling this? Should I just bite the bullet and buy now, DCA, or wait for a dip that might never come? Appreciate any insights or strategies you’ve used to navigate this! submitted by /u/zeeshiscanning [link] [comments]

Jun 25, 2025 - 16:37

I'm stuck in a dilemma and could use some thoughts from the community. I keep hearing "don't buy Bitcoin at all-time highs" because of the risk of a price correction, and historically, BTC has had big dips after peaking (like 2021's drop from ~$69K to $17K). I get the logic, buying at a peak could mean less BTC if prices tank.

But here's my issue: if I wait, the purchasing power of my fiat is shrinking due to inflation (like 3-5% a year). So, even if I hold onto my cash, by the time I buy later, that same amount will get me less BTC because my dollars are worth less and BTC might keep climbing (like if it hits $150K from $100K). It feels like I'm screwed either way, buy now at ATH and risk a dip, or wait and lose purchasing power. For example, $1,000 today buys way less BTC at $100K than it would’ve at $60K, and inflation just makes that worse over time.

I’m leaning toward dollar-cost averaging to split the difference, but I’m curious: how do you guys balance the "don’t buy at ATH" advice with the fact that sitting on fiat means losing value every day? Anyone else feeling this? Should I just bite the bullet and buy now, DCA, or wait for a dip that might never come?

Appreciate any insights or strategies you’ve used to navigate this!

submitted by /u/zeeshiscanning
[link] [comments]