Bitcoin Forum

Hearing more success stories of halving and reading from https://www.cointree.com/learn/bitcoin-success-stories/, my whole thought changed about bitcoin and halving, the time is worth putting on the calendar. The big month may be April, May or June, I can't find a site that is 100% sure of this. The thought only pointed to the fact that i missed a life time changing opportunity. I can not be well on this ever again unless I make money from bitcoin, it is then and only then that I can be happy.

I am seeing out budgetary plans to invest exactly $90,000 in bitcoins in 2024. When others are impatient, I usually plan. The plan is to get this from my saving and loan. The action for more savings was kick started last month, it can see me through to the time of the investment when I will stop.

The plan of taking loan is also there, that sum to be invested has to be completed and a business money will be realized. This is awesome and is gonna take me only 2 years to pay my loan comfortably.

How about just do it with your savings and avoid using a loan just to invest in Bitcoin?

I've seen a lot of stories, there have been some good but majority of them weren't really good enough when they've taken a loan and used it for investing in Bitcoin.

I'm not discouraging you but that's just what I've seen from those people that thought it was a good idea to invest using a borrowed money. You see that you'll be paying that loan for 2 years.

Yes, we're enthusiastic about Bitcoin's future but still with that period of time, you'll never know what shall happen to you and to the market.

I will not advice anyone to take a loan because of bitcoin halving. You may think it will not be more than three months before the significant bull run, but it may take longer before it begins or finally happens.

But if you save money and able to hold bitcoin, that is fine. Bitcoin has not disappointed yet. It is a good idea.

This is a direct red flag and it has always been advised that never go into Crypto-currency investment using capital gotten through loan.
Bitcoin aside going into investment with capital you can't afford to lose is a dumb move and very risky and then going into any investment using money you can afford to lose that's gotten by taking a loan is completely a very silly mistake to do.

Aside from the fact that bitcoin is very volatile and the price is not predictable even during the halving. Many halving period has seen Bitcoin take time to take of and some who are short term investor would have pulled out and counted their losses, also you have the chance of losing the coin or any potential risk. It's never advised to take a loan for an investment.

Do you really sincerely believe that making money with bitcoin will make you happy? :) BTC gives you the opportunity to make a profit, nothing more. Happiness is achieved in a different way.

The next paragraph of your post looks no less strange. Bitcoin is a risky asset in and of itself, and investing borrowed money doubles the risk.

To get into debt for 2 years, just in order not to miss the upcoming halving? What if something goes wrong and the start of the halving is delayed? In this way, you can definitely change your life as you wish, but these changes may not be what you expect.

Behind every bitcoin success story there is a story of failure, which, most often, is not written about. You need to be careful in the pursuit of repeating the success of others. What you are about to do seems to me an irrational act, for investing borrowed money is recklessness. These are your risks, which you consciously take, as well as your possible profit, and all the consequences will be assigned only to you, and not to me. So, good luck to you if this is your final decision.

Next time you conduct a research make sure that will look on the price history too to determine how exactly the price behaves during halving. Bitcoin don’t pump hard during the halving instead few days, weeks or months before the halving is the typical price action which followed by a heavy correction then a bullish cycle.

If you really want to invest that amount of money then you should start buying instead of waiting next year when the event is near because this current price might be the lowest price you can see if you plan to buy next year. DCA now until halving occur. I’m sure you will get the maximum benefit of Bitcoin halving if you start earlier than later.

Bud, there’s a chance things can go exactly as you wish and that’s the most favorable way. You’ve got to be a little realistic too, things can happen. And sometimes they can be bad.

You take a lon of that much money. What do you do next if things don’t go your way? It’s like lottery, ifyou get my luck you’ll probably see a Bitcoin crash by the next day. What if another big stablecoin fails or a huge altcoin collapses brutally taking the markets down to the floor with it?

Be responsible. Don’t gamble with loans, you’ll get a very messed up financial situation very soon if you do. Better miss a big profit than be in a huge loss that affects your entire life forever.

History shows us that after the halving happens, a bull market will come, and bitcoin will create a new ATH. But that is history, and there is no guarantee that it will repeat in the future. It's all speculation, no one can be sure about it. If things were going too easy, many people would be willing to sell all their assets to invest in bitcoin, not just take out a small loan to invest.

Borrowing money to invest is not impossible, but you should calculate carefully and consider the worst-case scenario in which the investment fails. In that case, if you can still complete your loan with other sources of income then you can borrow.

Bitcoin hasn't disappointed yet, every halving continues with a kick start of the bull run but I am not saying it will do the same this time around,  bitcoin halving will happen by next year April 2024 and we are all expecting for a better price to take place at the time, still I will not advise anybody to go and take a loan to invest in Bitcoin because nothing is guaranteed with crypto and moreover we don't know if bitcoin will repeat the same steps it has been taking in every past halving, maybe this time will be different?  But if the money is yours in the first place you won't have anything to worry about.

Better use your hard earned money instead of taking a loan, it's more wiser to do this instead because there is always a pay back time for loan.

The target you have set for investment is totally fine but I would suggest you to invest with the remaining money without taking loan. Even if you are guaranteed a long term loan, I will tell you that taking your loan and investing in Bitcoin is not the right thing to do. 

We only expect the market but not always the market changes as we expect. If you invest by borrowing, the thought of debt will always be on your mind. Maybe now some person or institution has assured you to give you a long term loan but if for some reason your financial condition is bad then you will find that the person or institution from which you have taken loan is pressuring you to repay the loan before the time. Then the debt repayment will be very difficult for you. So always avoid loan for investment.

There is no guarantee that Bitcoin will pump right after the Halving. It may take longer than usual. You are not the only person to think like that. The whole Bitcoin community is waiting for the right time to take a profit, and most of them are waiting for the halving. So it will be hard to climb up. Let's say someone is holding $10M and waiting to cash out his Bitcoin at the $50K Price range. Once Bitcoin reaches the price, he will sell it, and Bitcoin may go back to 40K again. Everyone is waiting for an opportunity. You never know when the right time will come. So, I won't suggest anyone to take loan to invest in Bitcoin. It's better if you invest your savings only.

No matter how high hopes are, never invest an amount you can afford losing. Keep in mind that you are in this industry wherein there's no certainty with price actions and movements. Anything could happen. Indeed,  what happened with previous halving in Bitcoin resulted to huge price increase but also consider what happened with previous ETH fork. Both are huge tokens in this industry which makes sense having expectations of direct correlation with the events and outcomes.

Much better to manage the risk and the amount you are betting as long as you don't have 100% assurance of the outcome. And there's just no such thing in this industry wherein prices are naturally volatile.

This isn't an advised strategy to follow, because this market is extremely volatile! We don't have any assurances Bitcoin will perform well in 2 years. It might take longer, it might take less, we just don't know and don't have any accurate tools to measure it, despite the so many analysts reading charts and fluctuations along Bitcoin's history. What we know is that there are good chances Bitcoin perfom well and hit a new ATH after the next halving which is going to happen in May of 2024.

Think very carefully before taking a loan for that purpose. Make sure you won't regret about it if things don't go as you firstly expected. Always have a Plan B!

This is a great idea with a big vision of ROI, however it is good to invest with your savings. The pump after halving does not happen immediately the halving occurs, it take some months to a year plus before the pump begins. As others have said that the price and occurrence around bitcoins is unpredictable. I believe accumulating wealth in a gradual process is better than high expectations with high risk which maybe unbearable. If you invest your savings and you make some profit, diversify those profit to other business that will increase your financial capacity against next halving. If you continue that way, you will achieve a remarkable result before 12years. 12years might look far but wealthy men have a long story of success to tell.

Many people don't recommend taking out a loan to invest in bitcoin because it's too risky. We don't know when bitcoin will get a bull run so we can only wait for it. And if you can't pay the loan bills every month, you won't be able to benefit. We also don't know if bitcoin can increase in the next 2 years because your plan is risky.

But if you can pay the loan bills well for 2 years, you can just borrow money at the bank and pay the bills regularly for 2 years. And when the price of bitcoin goes up, you can sell it for a big profit so you can immediately close the loan at once. But if the scenario is like that because if not, it will only make it difficult for you.

Why not start DCA-ing right now?  By injecting a small amount of money every week or every time you have extra can enable you to enter the market earlier than waiting for 2024.  Who know, the price of Bitcoin might be doubled by that time and you missed the opportunity to buy Bitcoin at $20k-isn level

Aside from that taking a loan for Bitcoin investment isn't a good move because there is no assurance that the price of Bitcoin will pick up fast to make up for the interest your loan is incurring.  You might end up in huge debt and yet you are still waiting for Bitcoin to surge.  So it is best to invest with your own money.  Even though it is not as huge as you planned, with a consistent injection of funds to your Bitcoin investment, you will be able to accumulate a huge amount after months.

We are cautioned not to invest money that we cannot afford to lose because anything can happen in the cryptocurrency sector. When held for a lengthy period of time which may be extremely long Bitcoin is a solid investment that always yields tremendous returns. Taking out a loan to invest in something that might not turn out the way you intended it to is not encouraging. You may need more than two years to pay off your loan or make a profit. Using a loan to invest in cryptocurrency can be a very bad idea due to the instability of the market; the best course of action is to work hard and save up money first and invest part of the money without worrying about the invested money on BTC, you hodl and smile and smile later.

All the suggestions above are good but the best is to start now! You will have a bigger gain
by buying Bitcoin in the first half of 2023 than buying in 2024.

On taking a loan to buy Bitcoin, I dont have a problem with that, I personally have dont it twice
so far and it has worked out.

IMO timing is important and in the first half of this year is optimal (based on the last
halving) I expect the market to start rising sometime in the second half of 2023.

So you target your investment plan with a huge total of $90,000 from savings and loans, then invest entirely in bitcoins so you have no other spare funds left?
Remember! That bitcoin is not fully profitable, you also have to think about risks and reserve funds for other purposes, if you make a loan, for example, how do you pay the monthly installments? Are you ready for that?

I don't fully recommend that loans can guarantee your peace of mind, with long loan periods of up to two years meaning you have to pay even more interest.
Continuing to invest in bitcoins must be able to afford losses and be more precise on cold money.

Nice plan but in some cases, it might not materialize as planned because the future can not be predicted. Investing $90,000i is a big deal and can bring huge profits but it could also incur great losses. The best option will be to invest your saving and forget about taking the loan. Most people that take loans to invest are driven by greed and don't want to invest according to their worth. If you want to have peace of mind as an investor put in what you can afford or funds that fully belong to you. You still have close to one year (based on your predictions) to keep investing. If you can afford to invest half of your estimate without the loan, then you have done well.

Why must 2024, don't you think you should start now before the bitcoin price increase?
Even if you have a budget of 1/4 of $90k now, I think it's worth it to start investing now rather than 2024. You should already know that bitcoin has still lost 60% of its value since ATH of $69k, so I think 2023 is the right time to invest in bitcoin.

I was never sure whether getting a loan to invest in bitcoin was recommended as a good options.
Of course you can accumulate your investment budget from various sources, but you also have to be able and understand what risks you will face if the bitcoin price of your investment does not match what you expect. It's better if you do it with your personal budget or your savings budget instead of accumulating your personal budget plus loans for long-term investments.

Bitcoin is not an investment to trust with loaned money. It'll put you under pressure, which may affect your blood pressure because it's not under your control. I'd say that you invest gradually what you've got, investing 90k on bitcoin is great, but when market price drops it'll affect your investment drastically just like you'll earn if it pumps. It's a top investment risk and that's not acceptable to place yourself on such a situation. I've read in the past about a person that lost lots of money after loaning money to trade bitcoin and lost everything, including his house and wife's money. If the money is for hodling for a longer period, it'll be better, but the lender may need their funds within 6 months or a year and bitcoin doesn't skyrocket in a way that can be predicted. Op invest the spare cash you've got.

^Definitely right, you can loan money for investment but not on crypto, especially in BTC.
Because taking a loan to invest in BTC is a risky decision due to its volatility, potential debt burden, and probably uncertain returns. It is important to consider these factors and only invest with funds you can afford to lose. However, it is a nice plan since we know the BTC price will always show potential after halving but there is no guarantee that it will have an accurate result, the price is always unpredictable. So invest little by little that the amount that you can afford would be the best practice.

If I were you, I will never include this plan t my  life.
You may hear may sucessful stories about investing in Bitcoin and gaining so much money fro it after halving and bullish era. But, do you hear also about sad stories of how any people being stressfull because they are failed in thi investment and couldn't pay the loan?

In crypto investment, there is always a wise word " invest only amount that you ca afford to loose"
This is deep enough.

Thee are probabilities to gain big profits during bullish era after hvong, but this doesn't guarantee because there are many complex factors that may ibfluene, including your ways in securing the wallets, your patience, mental preparation, market sudden changes, and others.

But this is only words from me.
Your decision is all yours.

I see that you are happy and you want to invest all your saving and you are still planning to take a loan, I just hope you won't be disappointed by 2024, maybe you won't get what you are expecting. I have seen different people advising you not to take loan to invest, I will also advise you not to take take loan to invest and don't invest all your savings, just invest any amount you can afford to lose, don't say because people are saying after having bitcoin is going to pump, then you will have to invest all your savings for months in bitcoin, always manage your risk.

You are planning to take loan, do you have any means to pay back your loan apart from the investments you are having in bitcoin? Hope you won't end up selling your bitcoin at lost just to pay back the loan, if you really want to invest and have peace of mind, then don't take loan and don't invest all your savings in bitcoin.

I believe op is bluffing and probably just wants to start a new topic, it is not even about taking a loan in op's case, it is about them not knowing enough about BTC, and you can easily know that from their post history. If you are going to put in $90k into anything, you should know and understand a lot about it, what OP says about BTC or the halving is so wrong, and i would call this proposal a bluff.

A loan may not be the best way to invest in BTC, but the risk is better taken by someone who understands BTC so well, but when a novice who doesn't even know the best wallet to use thinks about taking a loan to invest in BTC, they are making a big mistake because they may even lose the BTC they borrowed to scammers.

This certainly pouring all funds into bitcoin which certainly very bad idea. Even if the loan repayment is not due till next two years which I know you calculated it to be the bull run period but there are some circumstances that could actually happen mostly strong government policy or economic downturn which could actually affect the bull run or delay it. And as it is the interest rate will only increase as the time goes.

More so having all your savings into bitcoin even though it is hard to lose everything on it is risky. Once you don’t have funds or investments outside it, you are likely to sell in panicky situations due to probably emergency situations. Invest only what you can afford to lose, don’t focus on the profit alone so as to set yourself up for failure

You claim to be a good planner but in this case you’ve missed a step, by trying to get a loan to invest in bitcoin is totally not advisable and it could ruin your financial stability instead of lifting you up if anything goes in contradiction to what you’ve planned out prior to the investment. If you’ve been going through this forum well, you would have seen the advise countless time to not invest through loans as its advantages is always disastrous to bear with. Don’t use borrowed money to invest or the money you can’t afford to lose or all of your savings into cryptocurrency.


This is awesome because you’ve set out and planned everything well and you believe it will work in your favor since bitcoin has never disappointed before. But what if there’s a delay and something happens in the market that won’t make you achieve your target goal on time, will the loan be kept pending until it is achieved? Won’t the deadline for the loan approach and you’ll be compelled to sell your bitcoin at loss to get pay back the loan? Think again before taken loan to invest in crypto.

Yes, no one knows the exact date of the halving, but you can used (https://bitcoinblockhalf.com/) to see where we at right now.


Why you taking a loan though? that is risky if you are going to ask me. How much is the interest of that loan? Will the profits that you are going to make (assuming you make profits), will be enough to cover for that? And how much money will be left in your pocket.

Yes, I know everyone wants to have a good ROI in the next halving, but for me taking a loan is not a good advise. You might as well do DCA, we still have a full year before the halving and for sure you can accumulate BTC or sats along the way.

should avoid loans, just invest with your savings, because we don't know what will happen next whether the halving will occur in 2024 or it will miss, I'm afraid.
understand that everything will not go smoothly as expected, instead you want to get a profit, but in the end, the profit you get is only to pay the interest on your loan

Not only with cryptocurrencies, I think it is not advisable to borrow money to invest in any field, because once invested, besides profits, there will always be risks involved.  no investment is guaranteed to return without risk, so borrowing money to invest is always a bad idea.  also, as you said, the cryptocurrency market is considered the riskiest market because its volatility as well as its future remains uncertain.
i strongly advise the op to consider your plans carefully, otherwise, you will hit a dead end when things don't go as you dreamed.

I definitely agree with you.

It actually applies to almost everything in cryptocurrencies- taking out a loan for investment or gambling is a very risky move that has more chances of you failing at the end. Even with the success of BTC investors during halving, one should never take a loan against an activity or investment with no absolute outcome.

My recommendation would be to invest your savings and the amount that you can lose at the same time. Treat any investment as money that can potentially be lost in the process.

you better invest with the money you have. don't push yourself too hard to make a loan to invest in Bitcoin. everyone believes in the potential of Bitcoin, but in your plan if a problem occurs how will you repay your loan?
Bitcoin will still be risky even if it uses your own money. especially if you plan to borrow money with the upcoming Halving target. I don't believe anyone would do that. even if a senior or beginner has to think again to do it all.

Bitcoin halving can be said to be around the corner and many are mentioning it in 2024.
indeed we have to prepare funds for those who are interested in investing in btc and indeed now is the right time to collect bitcoins because the price is still relatively cheap.

but in my opinion it would be better if you buy btc not using money from the loan because in my opinion investing in btc from the loan will usually make you feel uncomfortable, the point is that it interferes fundamentally, unless you are ready to take risks.

It is not good to take out a loan just for halving and also it is not 100%  sure that youll gain profit that time because what if this halving it will heat all time low? there are a lot of possibilities that will happen so you should be prepared of it. It is better now to like just save money to invest on it as it is still be on next year you just need to accumulate it and not needed to have a loan as it is very risky

It is better not to take a loan to invest in Bitcoin because it is risky. We know that the price of Bitcoin goes up and down and when it goes down, we also don't know if the price will keep going down or if it's just a correction.

You should think about it first and don't rush into deciding because your plan to take out a loan uses a lot of money. Many people just take a loan but don't know if they can repay it.

But if you really can repay the loan, you can try to calculate how many years and how much money you want to borrow. Adjust it to your salary or income so it won't be difficult for you.

In my opinion, don't push yourself too hard to invest in BTC from borrowed money because investing in BTC is very risky.
just try to imagine what if the btc price at the time of the halving is not what you want, and how will you pay for it?

but the decision is yours because it's your right. if in my opinion invest using the money you have, don't result from a loan.

This is really not good move. If you are sure that you can gain profits from the bitcoin halving event then go for it. But even the greatest professional cant predict if bitcoin could do goof after halving. Yes there were historical results but its bot guaranteed and you want to loan for the investment money youll gonna make. How about use only your afford to lose money and gamble it with bitcoin without affecting your life savings. Man thats gonna do bad consequence if not aligned with the good market conditions.

Borrowing money to invest isn't so bad as long as you have the plan to repay that loan without depending on and expecting your bitcoin investment. One more thing, there is no guarantee that bitcoin will increase in price after the halving, and if you are prepared for the worst case scenario and ready to take the risk, then you can borrow money to invest because success sometimes must take risks and trade-offs.

But if you don't have a backup plan and only expect a return on that investment to pay off your debt, it will be the worst decision of your life. Borrow money to invest, it will ruin the rest of your life. I'm really against your idea if you don't have a plan B.

If you can quickly collect $90,000 I also hope you understand the basic rules:
1. Bitcoin's price doesn't grow immediately after halving and its price won't dramatically increase like in 2017 because it's already pretty high.
2. When you take a loan, be sure that in case things don't go as planned, you will still be able to repay it and won't ruin your life.
3. Not your keys, not your coins! Don't leave your coins on exchanges for a long time.

By the way, if you don't risk the unusual, you will not get a significant reward.

I don't know if it is a good or bad plan, but each person probably has his plan and think everything, even for the risk he has calculated and predicted what will happen. From what you have said, you are used to making good plans. If you feel you can do it, you can try it, see the short-term results, and evaluate it to see how far your plan has gone. If your plan doesn't go how you want, you must know what to do so the loan money won't go to waste.

Does halving really works its magic on the prices? Ah yes definitely it does and it will make it even more valuable as the rewards halves for the miners and thus more demand.

However, just because it works and it is life changing opportunity it does not mean you should be investing into Bitcoin with your "loan". That is way crazy idea. The bank loans are charged with interest and you have to return the surplus amount within loan terms. What would you do if this time halving does not do much of the changes in the bitcoin pricing? Wouldn't that be crazy burden on your shoulders since you spent savings and plus you took the loans for the same?

Man, just think twice about it before investing. It is still highly volatile market and the most unpredictable market. I am not demotivating you, I am just trying to tell you that you dont loan when its unstable asset.

I don't think so, if he were a good planner, he wouldn't have decided to do this. Borrowing money to invest in a volatile asset like bitcoin has never been called a good thing. From what he is confident, the halving will definitely cause the price of bitcoin to go up, and he will be profitable to pay off his debt. Based on those arguments, I don't think he's the type always to have good plans. Because even those who participated in investing in bitcoin from the first days did not dare to assert or declare that after the halving, the price of bitcoin would definitely increase. History proves it, but that doesn't mean it will repeat itself in the future.

indeed everyone in business has a different strategy as well as investing in btc, of course everyone has a different strategy.

but if the op is ready with the risk, I think buying bitcoin using borrowed money is not wrong because indeed in business it requires sacrifice and struggle.

but in my opinion the op must also take into account the investment risk from borrowed money.

but personally I don't dare to invest from loans because the price of btc fluctuates so we won't know the price of btc during the halving, but I hope that during the halving of btc the price of btc go up high.

I can't agree with your decision at all because if you are thinking of investing in bitcoin with debt you would be wrong to do so. Because if you borrow and invest in Bitcoin, you will lose money when the Bitcoin market falls into a bear market. This step of yours will become a big obstacle for your life later. If you invest and take huge losses later, the market may take a long time to pump and it will certainly continue to grow if you default. So don't make the mistake of taking a loan and never invest in crypto currency, I think it will be risky in the future. Rather than investing with debt, you'd rather save a small amount of money you earn and invest that money later.  After investing, hold patiently until the market turns upward, but future will be good for your life.

Each investor's risk tolerance is different and will not be the same for each other. You can take risks to some extent, but taking out a loan for long-term investment purposes is also not a good idea. The price of bitcoin can never be predicted even though fundamentally it has great potential to bring you commensurate profits. If you have your own budget for investing, go for it, but if you're putting together a personal budget and loans, then you have two risks at once to consider.

After all, how can you avoid the risk of defaulting on a loan if your source of income dries up, while at the same time the bitcoin price doesn't turn out the way you expected?

The plan seems to be good a few things I think you should avoid as you are investing a large amount in my view you should already know about the risks involved. Avoid investing the whole amount at once even if you are sure that the market is dumped enough. Secondly, bro thinks again about the point of savings investment it is quite good but investing the borrowed money I think you should reconsider your decision and then proceed. The rest of the things are up to you a few suggestions from my side as a brother are as follow;

✱ Diversify your total investment amount in different time zones.
✱ Prefer DCA rather than investing the whole amount.
✱ Hold some stable funds to invest in some crisis.
✱ Be mentally prepared for every type of outcome.

You taken out loan just to invest in bitcoin just for the bull run is not really a good idea. What if the bull run didn't happen as expected or it takes too long for the bull run to happen. You can't just risk it at once in what you don't know it's future tomorrow.

$90k is a whole lot of money. Try to take out loan in what you can easily pay back at once without much stress even the bull run takes long to happen.

It's true that the bull run is happening but nobody knows the exert time it will be and what price it will skyrocket to. You better think twice before investing in what you can't repay back tomorrow. Crypto never promise us riches if we invest

Here is some financial advice from me after being in this space for 3-4 years:

1. Do not take any loan to invest in Bitcoin or any other Cryptocurrency
2. Focus on building slowly and not instantly.
3. Only invest which you can afford to lose.
3. Greed. Don't let it be on your head.

Sometimes I can't understand why people want to take risks that may seem like very big. But we also can't suggest more if they stick with their decision and can only suggest being careful and being able to prepare the money to pay off the loan when it's due. It's better for us to play it safe by not borrowing money to invest in bitcoin because if we can't pay, we will be forced to sell the bitcoin to pay for the loan. And if that happens, we won't be able to gain any benefits. And this is what we will regret.

Not only with bitcoin, borrowing money to invest, especially a large amount is never advisable as we never know what will happen in the future. But I also agree with the idea that success requires taking risks and trade-offs. As long as we have a plan for the worst-case scenario and we can handle them if it happens, borrowing money is not as taboo as many people fear. But if we borrow money to invest without a plan and only invest according to our feelings or imitate someone, then stop that stupid act immediately.
Depending on the situation and ability of each person, each person will have different choices, do not look at others and think that you are the same.

If possible do not ask for a loan, this is nothing more but a form of leverage, except that the interest rates you will need to pay on that money could be very high, in fact the interest rates can be so high that even with the growth of bitcoin it could become really difficult for you to pay that loan if you cannot sell at the very top, so invest only what you can afford to lose, this will decrease the pressure you will face and ironically it will raise the chances you have of actually making any money during the next bull market.

When you get into investing, especially in a volatile market like bitcoin, it's greed. Greed is not necessarily bad, but greed needs to know when to stop. Borrowing money to invest in bitcoin is really too risky and can be considered a bad idea although the upside potential of bitcoin is huge, but there is no guarantee that it will continue to rise in the future. And you are right, instead of borrowing money to invest, we should build slowly according to our ability.

In contrary to what everyone says about taking a loan, I can definitely say that you actually can as long as you're capable of paying the loan you have taken. Just like what you've said, you can pay it in 2 years span. The reason for taking a loan and put it in Bitcoin is to maximize the opportunity while the price is still considered affordable (at least at this current price range) and get rid of inflation that could make our dollars to depreciate it's value.
So, it's all up to your risk appetite if you can afford to maximize  the opportunity or let it slip away and opt to have the minimum invest value.

  :) :). You entered the market at the right time. I thought you followed his journey. and this is not much different from previous years. Yes. Dominant for April, May and June, although not 100% correct, but that is the timeframe and the right moment to enter the market, you have prepared it with a budget. Yes. The halving moment is coming soon and many big things will happen for sure. Whether this is a true story or not is certain. This story is exemplary so that it doesn't end in a wrong decision (in a hurry) and ends in vain.

The important thing is that we know what we are doing by estimating the risks and sacrifices to avoid bad situations. That's why before we borrow money, we must have a clear plan so that after we get the money, we can carry out the plan properly. But most people usually forget about the plan because after getting the money, they are tempted to use it for other things unrelated to the plan. That's what we must avoid before using the money to carry out investment plans.

I dont support the idea of creating a separate budget for Bitcoin halving. First of all I find it stupid to prepare for halving, raise money and wait (OP plans to invest in 2024 only). Why make research today, do planning, calculate scenarios and invest in 2024 only? What is the point of waiting? It is better to invest today and hold, than wait and do the same in 2024. So far I see no reasons to postpone investment. Because no on promise that after halving the price would grow. In addition, OP plans to take a loan to make pre-halving purchase. Loans and crypto investment is a big no for me. Even though there are many cases of success, but many people have failed with loans also.

I also plan to make some big investment before the halving the problem is that I still couldn't save enough money to accumulate my target, that is why I decided to start small instead of forcing myself to save up and wait till I reach my target to invest in crypto.
Right now I have some small investment in alt-coins that I am trading to earn more from my capital and reinvesting it.

Bitcoin Halving is still some months away, it may seem short, but it is a long time for something like a miracle to happen. In addition to your savings, it is possible for you to run into some kind of unexpected money within this period that will leave you with enough money to put together with your savings and invest. Taking a loan may sound like a good plan but can turn out to boomerang, that should be the last resort in your book, and I think you should not consider it if you are able to meet with 75% of your target amount to invest.

Dont wait for 2024 unless if you are waiting for possible deepest possible cheap price but actually on the current price that we do have and since you would be holding for long term, then its not really that a bad point
for you to enter with that $90,000 investment. You could be able to stash out 3.310 BTC as of this writing basing up on Preev.com. If you are really that planning to hold for long periods then it wont really be that something stressful on buying in now before the price would be starting to kick in. You would really be leaving yourself back again with the train if you wouldnt really hurry on placing up yourself on the bottom.
But if you are that someone who had been waiting that $10-12k price then this is something that couldnt really be happening. Better consider 20k or 24k should be the dip if you
do want to utilize that possible maximum profitability but well everything is unsure and totally random. No one could ever know on what would happen on upcoming years to come
specially whether before or after the halving event. Everything is really ending up on a presumption.

Regarding any loans for purchasing bitcoins or altcoins, I strongly advise against it. What would happen if the value of Bitcoin is lower than anticipated or drops below the repayment value of the loan? Would you lose your home? Would you consider suicide? If you believe you can quickly earn a large sum of money, you are completely mistaken. Treat investing in Bitcoin as buying shares in a corporation. You can either gain or end up with shares worth zero dollars. Consider how much you can invest from your own funds, but never from borrowed money. NEVER! I knew a few people who took out loans, and they are no longer here. One threw themselves in front of a train, another jumped off a bridge.

can any one explain what and why will be after the halving event?

i know that difficulty for mining bitcoin will be doubled. but what can be done with the price of BTC and why?

The halving event in Bitcoin refers to the reduction in the block reward given to miners, not the mining difficulty. During a halving, the number of new Bitcoins created with each mined block is halved. This decrease in rewards affects the profitability for miners and the total supply of new Bitcoins entering circulation. With the reduced supply of newly minted coins, many speculate that this shortage could put pressure on the price of Bitcoin if demand remains constant or increases. Therefore, lower supply = higher price.

I don't care how you come up with an investment budget for bitcoin, but rest assured you shouldn't ignore the risk. Halving are very fundamental events for bitcoin, but however everyone here cannot fully convince others of the potential returns you will get. Believe me, bitcoin is worth for long term investment - but don't push your desire to get rich beyond your budget.

Plan everything wisely, not because of your optimism about past history - that's no guarantee. Besides, it is very possible that you will be too late to invest in bitcoin if you do so in 2024 - I mean the price of bitcoin is much lower now than what you would imagine it would be in 2024.

Indeed, actually, ding DCA is a good way to do right now, to prepare for the bullish era, whenever it is.
When we expect it in 2025 or other longer times for the next bullish eras, just do DCA to prepare whatever amount that we want to have.
But, I focus on one of his plans to loan money to prepare for the investment. I really doubt that loaning is a good way for him to invest in Bitcoin. This is too risky. However, if the loan needs certain interest to pay every month,. But, once more, this is his decision, I hope he can do it wisely, not Fomo until taking a loan without a wise decision.

I think this is not a good plan and also encourage you to borrow bitcoin halving. Because it is not certain whether the price will continue for a few more months or not. While it is true that in the first three months of this year, the price has had a good move up, there is not enough data to be sure whether it will continue to rise or not. I don't want to see you fall into such a gamble; it's better for you to accumulate and save the money you earn.

i think so too, borrowing money is not a good thing to invest in btc because we will never know what will happen in the HALVING. because according to my own experience I have also invested from loans and in the end I lost not as expected.
because I'm mentally disturbed and feeling panicked when the price drops.