You put it very well. It looks like a lot of us are in the same boat. I am just barely lucky enough to have a roof and ellectricity - I have 0 net worth - until it comes to crypto - yes, 2-3 more years and I can retire comfortably (and thats if I just stopped and HODL'd)
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Sounds like my situation, yes! I am thinking 2-3 years to get 'there' too. And I'm assuming less explosive growth than last year.. else it may be sooner ;)