If you're 99% certain that the price will go significantly down from now, in the next few months, why not sell some of your stash, and keep that fiat to buy more later ? The risk is minimal when the price is high like right now.
Who the fuck is going to be 99% confident about anything? If you are 70% confident in bitcoin, then that is pretty fucking strong, and frequently people who are greater than 70% confident are likely setting themselves up for disappointment, especially in the short term.
I know many here talk about buying BTC regularly, but personally I don't earn enough fiat to invest significantly in BTC. I must already invest more than 20% of my salary in my "401K" (because my employer doubles it, and it's a sound investment), so after that, not much is left.
Regarding 401ks and other traditional investments, it is likely going to remain prudent to invest at least as much as the employers matching amount, and sometimes it could be prudent to also invest in some kinds of funds that allow you tax deferral.
Yet, bitcoin is a bit of a different animal, and so there could be a considerable amount of dilemma if anyone is running out of money by "maxing" out their 401ks in terms of at least getting the matching funds, so then a question might be whether a person has additional funds that can be reasonably and prudently invested into bitcoin, which will vary from person to person, and one of the problems is that bitcoin might be creating some confusion about whether it could be even a better investment than getting matching funds - especially in terms of the benefits of being able to increase control over wealth. Tough choices that individuals have to make without any answers that are necessarily correct for all persons.
Part of the reason that building wealth can take a whole hell of a long time, is that the vast majority of young people won't necessarily have been able to build up their wealth or have received wealth from parents or even have been able to get into a decent job that has even a 401k plan with matching funds. Knowing about bitcoin and having that option should be good for a lot of young people whether they have other options or not, yet I am frequently concerned when anyone, wether young or not, attempt to rush their path to richness, even while there might be ways that even young people with no assets, might be able to hedge a little more into a risky asset and become rich a lot faster than traditional paths, and bitcoin is likely going to continue to serve as one of those possible vehicles that allows an amount of value appreciation that is greater than other traditional investment avenues.