Therefore, as a little guy on steemit instead of competing in hot or trending position, the best possible way to earn some dollar is doing more comment, comment, comment. And while you are still a small fish, instead of cashing out those earn money, its a good advice to invest it first to the system and strengthen your SP to gain more reward in the future. Because the reward system is depend on your SP, the higher the SP you have, the more reward you made through self vote or curation.
And the right time to invest is now, while steem is as worth as 1 usd. Learn to embrace and ignore FUD's.