"At 20% of My Goal, Is It Wise to Increase My Average Buy-in After the 40k Surge?"

My BTC buy-in average is at 25k after navigating the bear market. The recent jump to 40k has me feeling disappointed, at my 20% target. I'll have some cash in 2024, and the ETFs are looking bullish. In 2021, I successfully took a loan, but a friend suggests going for a 2-year margin with interest on Binance instead of a bank loan. With the expectation of BTC going up in 2025, what's your take? Is it a smart move, or am I heading for trouble?NB: Young, Single, Stable Job, No Kids or Big Responsibilities via /r/Bitcoin https://bit.ly/3RL59Nq