When it comes to lending and borrowing, once the liquidation threshold is three steps away from the red line, I basically stop worrying about "whether it will rebound" and focus on pulling people out of the fire first. Usually, I do two things first: reduce positions / pay back some, and conveniently add a little more collateral where possible. The goal is to bring the health factor back into a range where I can sleep peacefully. Don’t think about saving on interest by sticking close to the line; honestly, liquidation is the system helping you "stop loss," but the cost is often more embarrassing than doing it yourself.

There's also a detail: on days when the network is congested or under maintenance, I tend to be more cautious. Recently, some mainstream public chains are upgrading, and everyone is guessing whether ecosystem projects will migrate. I don’t care about gossip; I just worry about not being able to withdraw tokens or repay loans at critical moments. Even when I could save myself, I get stuck in chain confirmation… I really don’t want that kind of collapse again.

Next time, I plan to move the “warning line” further forward; I’d rather withdraw early than gamble. How far from liquidation do you usually start taking action?