It's better to have a great card later, than a shitty card right now.
I'm gonna buy an RTX 3060 Ti this summer, but I have been saving money for like 2 years for that. (I'm 17, I was doing summer job, and tried not to spend the money I got from my parents)
I could have buy a weaker card years ago, but i finally made enough money for it.
Be patient bro, I know the struggle