What % of your saving is in stocks and is it advisable to take loan an invest in such a dip?

Been thinking about this with markets falling lately.

Everyone says “invest 20-30% of savings” but when things actually go down, that logic kinda gets tested.

So curious:

• what % of your savings is in stocks right now?

• did you increase it in this dip or holding back?

And more importantly…

has anyone here actually taken a loan / used leverage to buy this dip?

Feels like dips = opportunity, but also could just be catching a falling knife.

Where do you draw the line between conviction and just overdoing it?

Would love some real experiences, not textbook stuff.