this coin has been climbing up smoothly from the very bottom but if we see from the longer time frame its still so far from all time high. just like any other coin basically so I think i agree that this coin might just grow from here on even better when bullish market settles in.
the only thing that holding me back from investing in cardano though, it seems overshadowed by some other altcoin, even newer ones, right now i've never heard anyone investing in cardano that often anymore.
more and more people just prefer newly emerging coin and just stick with that, the old smart contract coins might be having hard time this bullrun around in increasing its own value.

thats why I guess i would still try to invest where the money flows in, basically all these new emerging blockchains that propose newer technology.

There are several points that make NFT have value.
1. Art value (this usually applies to NFTs backed by physical art, photography).
2. Utility value (this is usually found in special NFTs such as NFT Pass (hold the NFT to join the service)).
3. Artist, this is still related to point 1, who made the NFT, and its value will increase because the NFT was created by someone who is an expert in making digital and physical art.
4. Earning, I don't think this needs to be explained. You definitely understand this point.

Even though NFT memes seem to have no value, most of these memes are used as NFT Passes or earn a tokens. However, not all NFTs have value like this, a lot of NFTs are generally the same as meme tokens or sh*t token/coins, which have no utility and are then simply abandoned, so the holder doesn't get anything.

NFA/DYOR/DWYOR

But nevertheless it is so. And I think that most traders earned their capital by trading altcoins, which even now in a few days brought them a profit equal to the amount they invested. And having received a profit from altcoin trading, they can invest it in Bitcoin or spend it to meet their needs.

well sometime with limited capital there's no option to get the chance of truly becoming rich other than investing in low market capitalization coin, lets be frank here, imagine if you only have $1k to invest, meanwhile the current price of bitcoin is around $35k, that means if you invest all your capital to bitcoin, and everytime bitcoin made an increase, you only get 1/35 supposed profit which isn't really much, moreover double the value of bitcoin requires long time and massive capital considering how large the overall market capital of bitcoin is, different with altcoin which are starting from the very bottom making the price doubling even tripling not uncommon.
i'd argue that the main motivation that makes many people so eager to invest in altcoin.

it looks like nfts has tumbled a bit but according to data from this article (https://fintechmagazine.com/articles/in-depth-do-nfts-have-a-future#) nfts might stay here for quite awhile

nfts have a lot of purposes and a lot of different kinds of people have access to nfts there are traders and the artists so it might look like nfts are not of great value right now but i believe it will stick in the long run

So all the altcoins investors are also waiting for the bitcoin ATH to sell their Altcoins.

And it is not only those two that the op mentioned are the altcoins that one can invest or have the highest profit. Litecoin is also there.

you’ve read that bitcoin has good future prospects and then decide to ask for altcoins? i suggest sticking to bitcoin right now especially because of the reasons you mentioned
altcoins movement might be too hard to predict you really won’t know which values’ will rise if you really want to invest in altcoins then learn how to study the market and possible indicators of value increase/decrease

I think OP is just shilling PI network and compare Bitcoin with it. I had a bit of a laugh as well when I heard about this comparison

since based on my knowledge about crypto Altcoins will remain what it is and nothing can replace Bitcoin network I mean, PI is Pi and BTC is BTC two different networks on two different coins. PI has nothing to prove yet compared to the pioneering Bitcoin.

For some reason, no one thinks about the fact that bitcoin is already rising in 2023.

But halving will be next year, so we should expect a real bull market in about a year. So it might not be a bad idea to sell bitcoin now, because a fall is very likely. But if we talk about altcoins, I wouldn't sell at the bottom.

Being aware is already an advantage and is a good thing to start with. Planning would be easier if one knows his boundaries and limitations rather than to just engage with things his financial capacity won’t be able to cover. It’ll depend on this factor. Next is knowing where to engage yourself with in order to increase your daily or monthly income.Start with the things you can offer to a company or other people to earn money from them. You’d only lose once you chose to give up and stop; remember that. Think of how you started and how you made it to your ‘peak’ and for sure you’d recover as well. Acceptance of what happened will also help than to be burried with regrets. Move forward people.

Most of the time, you don't need a budgeting app, however, if the OP thinks that it will assist him into this goal,
then by all means, he should try using one of this apps. There are so many free anyway these days.
But to start, he needs to itemize his basic expenses maybe for a day, then for a month (bills).
When he sees the list, that's when he can tell where he can cut off some of his expenses.
Then, if he wants to buy something, think twice at least. And ask himself why he is buying such item, it is want or a must?

Same here, the bank is just where I go to get my fiat. I don't store or save too much amount in my bank account nowadays, because I've heard instances where people's money just disappear without any explanation, sometimes huge amount for that matter.

So what I just do is to keep few amount for my daily use if the need arises for me to get cash at hand.

I would DCA what you can afford to lose every week or month and don't watch crypto-based youtube. Bear in mind you won't be getting any dividends/interest and see where we are next halving. Remember there will only ever be 21 million BTC yet the human population is constantly rising so more people will come in.

Since you said you're looking for coin that is profitable like BTC in the market, I will assure you that there is no coin that is stable like BTC but I can refer you to some coins you can invest in the market you will earn a good profits when the price of BTC increase higher because, whenever the price of BTC hit higher in the market, it gives other cryptocurrencies opportunity to increase too. I will advise you to try this two coins Solana and BNB, but try to do your own research to verify what am referring you to before investing in this bear run because all those two coins always move close to BTC price whenever there is a bull run in the market.

Long term hodling is more profitable than short term hodling which you need to take note of that when making your choice on coins that are potential like BTC in the market.

Anyways, it is beautiful that you want to improve your financial management and plan for a more stable and responsible future. One suggestion would be to consider developing a budget that aligns with your current income and expenses. To create a clear picture of your financial situation and allocate your resources more effectively, start by tracking your expenses and identifying areas where you can cut or make adjustments. Also, you should set some financial goals for yourself, it could be saving a certain percentage of your income each month, which can provide a sense of purpose and direction.