Ok, there's an advantage you have that a Saylor (Microstrategy) or other business doesn't have, and that's SELF CUSTODY. What that means is, that if you take a loan that doesn't require BTC collateral itself, then you can swap the loan funds for BTC, take self-custody, and if you default on the loan, you can keep the BTC. That's not the case for businesses that require a custodian, collateral arrangements, etc. In that way, you can look at it as a reinterpretation of Fight Club's ending. Over the x-axis (time) it's certain to benefit you. Would I do that? Not at the current USD valuation of BTC. But this fits into my own personal situation and beliefs. I'll wait until ETF news drops, and until there's a visible end to rate hikes, DCAing in the meantime. If BTC falls to $20k or lower from now until then, I'll get levered 2x, knowing it would take a 50% decline (to $10k) to get liquidated. I'm not particularly bullish on BTC in the short-term, but certainly am in the the second half of 2024. In my situation I don't have to time anything, but will take advantage of any opportunities as circumstances demand.