Is this an right time to buy hifi?

If I listened to all the doom and gloom naysayers when I was young, I would be much worse off financially now.

ALways look on the bright side....

https://www.bing.com/videos/search?view=detail&mid=7AB999FC0D06630F5D677AB999FC0D06630F5D67&...

Anyone who does not want to play the game is free to take their ball and go home.  You will have to pay taxes on the ball first of course...

Money is worthless.  It’s the things it buys that is valuable.  

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.

People should make the best of everyday because you never know what tomorrow brings.