I think your story is probably really similar to a lot of people. I didn't get started in crypto until the end of 2017, so I kind of missed the boat. I struggled along with STEEM starting in early 2018 and when the HIVE split happened I moved most of my STEEM into BTC and WAX. When the NFT boom hit, I was able to pull enough money into fiat to eliminate 99% of my debt. I should have moved more gains into stables. I was literally making hundreds of dollars per day and I was pissing it away into DeFi and more NFTs. Rookie mistakes. I plan on doing better this next time. The good news is, I have a good job and a nice traditional investment portfolio, so I lose all my crypto, no big deal. Except Hive, that's the one holding I would be devastated if I lost it all or it went to zero.