The fact you’re still talking about “risking” and “gambling” on crypto just shows you don’t really understand it.

I’m going to decline this advice. Sure there will be short term price dips here and there, including a 3 year bear market, but we’re going up, up and up in general and I want as much of my money in crypto as possible, as early as possible.

I get free medical care so don’t need money for that. I’m working from home permanently so if my car dies so be it. I have two of them anyway. Any other unforeseen emergency can be covered with my credit card. I’ll keep investing while it’s cheap rather than let my money devalue in a savings account.