Cool, so you're saying there's still a chance?

Eh, I got wrecked by the last two economic downturns. I watched 401K managers, I know them by name, turn from millionaires to multi-millionaires managing thousands of peoples retirement funds, yet somehow, when the market was booming, we saw paltry returns, and when the market dipped we experience big losses. It took decade to recover, and truly, never did recover. I've kinda given up on my own dignified retirement.

BUT it's not all bad. I started learning how to invest and out performed those target funds by several factors. It's not a lot, but it's something. And, then I learned about crypto, not just for trading, but how to develop on the platform. I've made enough there to put my kids through college, which I see as a higher priority than my own budgets. All it takes is experiencing the burden to carrying so much student loan debt to know, you never want anyone else to go through that, especially your own.

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