Is this an right time to buy hifi?

Wait until 2023 to purchase stuff.

MC Yammer just regurgitates what he sees and hears on right wing media outlets. He'll never change. He treats this audio site like it's farcebook. If he just stuck to audio, he wouldn't be half bad, but he has to troll every chance he gets.

All the best,
Nonoise

  Someone gets it!

There is a vaccine for this

Buy now,for tomorrow is guaranteed to no man. 

IT's not a good thing to be in debt.   If you are don't make it worse by spending a ton more.   That's the problem.   Sometimes its inevitable but many times its people who put themselves into debt seeking things they really can't afford.   Good news is its not expensive to get good sound these days but "high end audio" is by its very definition expensive.  Walk before you run....you might be surprised how easy it is to get good sound these days for not much.