anybody who wants to make serious money is going to have to HODL for years. I'm willing to wait 15-20 years if I have to, I'm in my late 20's I have time on my side.
I'm in my late 60s and time is on my side too. My modest Bitcoin holding (3 digits) was bought with spare cash so if it were to somehow fail, it wouldn't be any great disaster.
If on the other hand, it reaches 5 digits or more in dollar value, it could allow me some extra luxuries when I reach old age. Over the years I've spoiled myself with fine consumables and a decadent lifestyle.
When the time comes that I need help, I'd rather be in a position of hiring and firing my own hand-picked caregivers instead of having to live is some seniors' gulag.