I have my reservation of people's attitude towards loans and its purpose in investments. There is what we call good debts, which is a debt you can get into in order to have an advantage and it is what you can pay back without much problems. Let me bring this home to investing into bitcoin.

We are currently in a dip, an investor who regularly invests $200 weekly and wants to take advantage of this dip can take a loan of lets say $5,000 with an interest rate of 5% in order to buy more quantity of bitcoin at this reduced price. Now, this $5,000 is equivalent to his 6 months and 1 week of his normal accumulation timeline if we go by 4weeks for a month calendar and possibly, if he spreads the repayment to about a 9 month timeline. The totality of what he is to pay is $5250 and spreading it across his 9 months timeline would see him repaying approximately $146 monthly while he still has $54 to continue his DCA.

He has won on two sides, the fact that he bought more quantity at a reduced price and the fact that he keeps adding $54 to his portfolio even why repaying the debt with his supposed accumulation budget. He might hit more money and pay off the debt before the 9 months timeline and return to his normal accumulation amount which is $200 weekly or increase his aggressiveness if he is able to. He definitely would have more amount of bitcoin than someone who is just accumulating $200 weekly for the said period of time peradventure the price of bitcoin surges upwards.

Good debts have a good advantage and can be helpful as far as it is what we can afford to pay effortlessly.