I've been in this game since 2017 and I've played it quite badly.
And yet I'm still at six-figures and almost guaranteed to hit 7 next year.
Considering I was only working a part time job for $15 an hour from 2017-2021 I'd say I'm doing pretty good. So what is the time preference here? 1 year? 5? 10? New users tend to lose money because they join at peak FOMO.