So that can be a bit tricky and ultimately, it depends on what you want to do. It could be a while before this bubble pops--people keep saying it's going to happen "soon", but these creeps keep finding invisible money from their billionaire buddies, so I would ere on the side of "it'll pop, but definitely not within the next year or two".
With that in mind, what do you want from a graphics card? Do you want to play the latest games? You can probably get away with the RTX 30 series for most games; you might not always be able to play it at the high end, but these cards should be relatively within reach with some modest saving.
If you want a RTX 50 series... I'd probably pass on it. Perhaps this makes me a bit of a luddite, but I've yet to see anything the RTX 50 series puts out that has really "wow'ed" me. Of course, that's personal taste. If you have the money to burn and you want one, I'd get it ASAP because those are gonna be the cards that start to skyrocket.
The RTX 40 series is kind of a middle ground. Afaik, the 4080? (I think it was this was) was performing pretty on par with one or two of the 50 series. If you don't mind saving a little longer, I'd probably go for that one. It'll last you a little longer than the 30 series, and you're not going to have to take out a mortgage just to afford it like the 50 series--and the AI tech bros are gonna focus on those 50 series cards for the "AI advantage" or whatever.
There is hope! It's just a matter of coming to terms that there's 1) lots of different RTX cards and 2) figuring out what you want from your RTX card. (: