My honest opinion is:

First of all buy Joby Gorillapod 1K/1K Kit (with/without head, for me it is a game changer) or any manfrotto and start to use it with your phone because i cant stand that shaking videos when you are holding your phone in your hand :) (i have realized that it is annoying as fuck when I've recorded my few videos using phone and then I was watching them :D) Not talking about gimbal. In my opinion gimbals are heavy, noisy and are not good for vlogging. More for cinematic or doing videoclips stuff like that. Record some videos outside with your gorilla and you will definitely see the difference, external mic with windmuff will definitely level this up when you will eliminate wind noise.

Second: I've got same problem before and I have realized that as long as you are waiting that long you don't have a better gear but camera is a first investment. You would need minimum 64gb memory card, 1-2 spare batteries, external mic or windmuff for internal mic and all that extra stuff so it will be even more than just a camera but it is a investment for another 2-3 years so you must ask yourself "do i want to wait until SBD/STEEM will go up?" that can take week, month, year, decade? you know... its all up to you :)

Last thing. I have bought used camera on eBay and safe almost 40% of brand new price. In my opinion it is not worth it to buy a new electronic because as long as you receive it, open the box and take it out it is a used one already :) i very rarely buying a new electronic devices, just accessories.

I hope that this will help you ;-)