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Invest based on your financial strength and don't borrow money to own more Bitcoin because when the market corrects and you invested more than your Hodling limit, you'll be panicking and probably miss out of gains you were suppose to get as you sold under pressure so it is advised as a newbie to use the DCA strategy for your accumulation journey and also try to have an emergency, reserve and float funds in other to secure your investment.
Although it is not recommended to borrow to invest in bitcoin, if you have a source of income to pay the loan and a lending platform with affordable interest, it is not a problem. Because there are cases where investors who see the opportunity to invest in bitcoin then mortgage their cars to the bank or borrow with their savings as collateral with an interest of only a few percent, and then invest the money in bitcoin, and after a while he finally gets the profit as he expected first.
The point is how you can use the debt as you expect, have the ability to pay the debt, and consider the very low interest rate, and most importantly not from loan sharks. If you can utilize debt well and have good financial management, borrowing to invest in bitcoin should not be a problem.