That's exactly when FOMO hits hardest—when the crowd's already piling in and you're watching from the sidelines, afraid you'll be left behind. That's the moment to pump the brakes. Real talk: if everyone's already in, who's actually left to buy? Think about it. The herd mentality creates its own trap. When fear of missing out peaks, it usually means liquidity's drying up and entry points are getting worse. Instead of chasing the crowd into a saturated market, discipline beats emotion every single time. The ones who survive cycles aren't the FOMO chasers—they're the ones who had the guts to sit tight when it mattered most.