We are still early.. and there is no way to turn back the clock to make up for any mistakes that you made by not getting started earlier or not being as aggressive as you should have had been earlier. So, each of us decides from today in regards to how aggressive that we are able to be in regards to our bitcoin accumulation without over doing it.
Even though it might seem like we are late into bitcoin investment yet starting is much more better way to cope without our regrets, yeah of course bitcoin was cheaper in the past when we didn't grasp the opportunity but then today is cheapest we can get it because bitcoin is still going to move much high in the long run even though it's not guaranteed yet there is a high chance for bitcoin compared to another investments.
Perhaps if one have much capital to start his investment then front loading or bitcoin investment is much encouraged but however not much of us here will be able to front load then having to examine our personal financial situation using the
9 principle individual factors will be a good step in order not over do it.
No one who wants to start his or her Bitcoin investment is late reasoning being that bitcoin investment is still growing there where people who started investing in Bitcoin when it was just 1$ and there where people who started when Bitcoin was $1k and also people who started when Bitcoin was $10k each of this people's success will be according to how patient and consistent they where when they started, starting now those not make you late because Bitcoin is still growing bigger and better your patience and consistency will determine how far you will go any time you decide to start investing and not The time you start, you can start today but with your patience and consistency you can accumulate more than someone who started when Bitcoin was $50k or even less, so no one is late in Bitcoin investment.
You can front load your Bitcoin with loan however make sure the loan is such that they will only be withdrawing little amount from your salary in other to payback and will be done like that till you finish the payment and let the interest rate be a low one. This is just a suggestion if you must take loan to front load your Bitcoin.