Where is the line between "don't invest what you can't afford to lose" and "try and become a millionaire or financially independent" ?

I've been struggling with this question this last dip because I want to increase my exposure to alts/BTC putting more money into Binance to buy the dip, but I also find my self wondering: Will I be ok seeing all this money crash down once the cycle tops? Or will I be able to time the top or near the top of the market?

Where is the middle line between the question that i asked in the title? Because if I want to become financially independent It's more unlikely to happen if I only invest what I can't afford to lose.