To be frank, in my opinion, now is the right time to buy coins. People are panicking and selling their coins. As you mentioned, it's advisable not to invest all your money in crypto, and I agree with you.
Do you think there will be no more dump?
If there is a chance of the next dump, why don't we wait for the next dump?
Some people still believe that there is a chance for Bitcoin price to drop again below $40k. Even there is a prediction the price to drop to $37k. If it really happens, I think are better to be patient to wait for the lower price. Now, the price of Bitcoin is above $41k, it is already increasing a bit. In the last few days, the price dropped to $38k but it can recover quite fast. I passed again $42k today, it is quite surprising.
Of course, we don't need to invest with all the money. Just invest with the amount of money that looks quite secure for us. Investing excessively is also not effective way. It may lead us to think about borrowing money from others.