My advice is to not focus on the price of STEEM in fiat, today, but how many STEEM one amasses. This lesson was learned watching BTC climb from $36CAD in my early crypto days to $1500CAD in 2015.

One great quote from a great post of @tarazkp :

Owned Communities and SMTs are the only way Steem scales for the masses and while for the stability of the future of the platform it is useful to get us much STEEM into the hands of as many holders as possible, eventually the STEEM will only go to holders. There is an alignment problem though because while people worry about the small accounts and creators, what needs to happen to really empower them is that eventually those creators have places to create and earn that do not draw on the STEEM pool.

Many worry about the smaller accounts growing on STEEM but this is an alignment problem as there will never be enough STEEM for many accounts. in 15 years from now and based on the current code which could change, there will only be double the STEEM in the supply and, there will only be around 6 million more added each year through inflation. That is not enough for a hundred million accounts as each account could only have a max of 6 STEEM.

Full post : https://steemit.com/steem/@tarazkp/social-steem-capital-and-transactions-of-relationship

This is not meant as financial advice but the opinion of a HODLer who mistakenly sold one BTC when caught in the unexpected spike of 2015. That has been my only crypto to fiat trade ever.