This is what is making some people in the community not to get it right in their life because, they don't want to get prepare by saving some money in their bank account waiting for the price of BTC to dump before they can buy and hodl for long period of time before they can sell to improve their wealth like the way some people in this local board has achieved their goal through preparedness. We can see that the price of BTC is heading to were some BTC investors will regret for not buy BTC when the price was low, but they know how to predict the price of BTC, when the price will reach before they will buy and when the price get to that particular prediction no money to invest because they didn't prepare for it.
Being prepared for investment is not about saving money in the bank to accumulate whatsoever but is about putting yourself and financial needs inorder. when you have a good cash flow you can separate them according to how pressing your needs are hence not to suffer for the cost of investment.
When you talk about saving to buy Bitcoin or any other investment in your bank account in my honest opinion, it is not a good idea because fiats depreciates as time goes on because they are printing more money every day that's the truth so the most advise I give people is do whatever that is necessary when you have it don't wait for time to come make your time come.
You are absolutely correct, as procrastination is a very bad habit, there is a popular quote that says that " tick says the clock, what you have to do, do quick" time don't actually wait for anyone.
We don't need to wait for anyone to keep reminding us to do this or that, when we know we will benefitting from it, just like you said, whatever thing we know it's okay and right to do, we should it and also do it at the right time.
Also for me I think the two can go, even if we can be sure of the market because the market fluctuates at times, so the two can work hand in hand.