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
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.