I can only think in personal terms and not give advice. First I will never retire until forced to... I like doing stuff to much and growing things like my business... but I am aiming at a security income sooner than later (within a few years at most). Adding monthly is great though, even small amounts as the become cumulative (dollar cost averaging theory). 10% growth in anything is great... can't get it in a bank and that's what many outside the cryptos miss. (PS I only have 50% in Alts).
_**One more PS, This is only a game for me... I am playing only with loosable amounts of initial investment, then a bit of trading to grow it).
Yes, I can totally agree with everything you said. And I am doing and aiming to do similar as you said.