I've been here roughly the same time, and only in the past several days have I had the chance to really start posting and commenting regularly.

That said, I invested in Steemit up front, and will continue to do so in small amounts.

And, as a former stockbroker, the current price is not a deterrent, as my focus in long term. I will continue to invest small amounts on a regular basis, regardless of what the market price is doing, and through dollar cost averaging, which is the average cost across all of my trades combined, I should come out well in the long run.

I agree that only discretionary income should be invested in any cryptocurrency at this point. Do NOT bet your mortgage money. But small amounts, over time, will add up much more quickly than you may realize.