It's true that it could decline and disappear, and I'm okay with that. I'm only investing what I can afford to lose. But looking back, there were several opportunities I considered but passed on, and if I had just put some disposable income into them, I could have made a lot of money in the long run.

The money I'm using would probably have been spent on something unnecessary anyway. At least with this, it's something I can actually make use of now and hopefully well into the future.

I can totally relate to all the aches and pains. I'll be 37 in a few months, and I really wish I hadn't taken my body for granted in my 20s.