Investing to the pension, making investments for 20 years period...
For me, this is terribly wrong:
- what will be your desires in 20 years? Private drone SUV? Quantum computer? Magic potion for immortality? Chimera pet?
- Why do you think you will earn less and less in future? You have more experience, you should think about entrepreneurship... For 8 years of my career, every single year was better than previous.
In conclusion, HODL crypto, but don't HODL the life.
Keep learning, keep exploring, earn your freedom!!!