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.

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.

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?

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

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.

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.

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.

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 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.

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.