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RE: Can't even buy 1 bitcoin for yourself? Way too expensive? Let's look at STEEM too for a second.
I own minus six figures of a bitcoin, mainly have only used it to exchange SBD and then try to make it fiat, well USD. So it does feel right now that I should've waited but.... yeah, nothing I should've waited needed the money and hoped to put it my country easily, was not easy.
A good rule of thumb is to spend 90% if you really need it. But try to always keep 10% savings, even if it is only a few pennies.