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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.
But why borrowing to invest in Bitcoin when you are working why not use the DCA strategy and accumulate as much as you can, from your explanation you talk like someone that trade Bitcoin and that's not a good option for me and my follow newbies, anyone coming into Bitcoin should have the mindset of long term investment, it is always advised for anyone going into Bitcoin investment to have a source of income and also have emergency, reserve and float funds in other to secure your investment when this is in place there's no need to put your self in debt all you need to do is to use the DCA strategy and start accumulating and hodling too for a long term.
Borrowing to invest in Bitcoin is a wrong idea when is only advised to borrow is when you have a very big emergency or issue and you have exhausted your emergency, reserve and float funds then you can borrow instead of dipping hands into your Bitcoin investment since you already have a steady source of income and will pay back once you receive your salary.
DCA is not the only best strategy for newbies, you can do lump sum if needed. And it seems you are a little confused about what I am saying. I am not saying that someone who has no income can take a loan and invest in bitcoin, see what I said
you need to see what I am emphasizing there. I am talking about how someone can use debt for their bitcoin investment purposes and that is not a bad idea at all, it just depends on the skill of the person in managing their debt and see the potential of bitcoin investment in the future. If they are not sure about it, they can do accumulation or DCA and invest in the long term.