Oh absolutely. Buying Steem is out of the question for me now, that time was at 10 cents / Steem to be worth it. Now you'll spend $1000 and get 500 Steem and I can't justify that for my pockets. It's pretty hard to accumulate already.
IMO the best way to accumulate is by earning which is time converted into profit, and not money converted. Spend money on experiences and document those experiences :D