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There is no problem with planned loans in this bull market. If you want to invest long-term under the premise that you can fully afford the interest and loans, the difference lies in your repayment ability and a total annual interest rate below 4-3% is absolutely manageable leverage.

Currently, my total annual interest rate on loans is around 4%, which is not high for investment loans, but considering annual inflation and the long-term returns from investing in Bitcoin, it is really cost-effective.

As for loan investment, the most important thing is to recover the principal from profits, relying on price increases to earn back the principal. As for the profits, it's better to continue DCA or accelerate repayments rather than long-term holding without partially taking profits, which wastes time costs.