I don't really worry about Steem's price as well, haven't done so in a long while. At the end of the day, this is a compounding machine. The more Steem you make and power up, means you're going to earn even more. So as long the price isn't tanking hard, your account is actually gaining value.

Also, lately I haven't used my disposable income to buy Steem, I've used it to buy Steem Monsters packs. :P It's the easiest gateway between FIAT and Steem after all. Just use PayPal to buy the packs and your money is in the Steem ecosystem. No need to buy and trade between different cryptos and exchanges. And you can use that investment to compete for prizes which have additional monetary value. Can't get a better deal than that.