I never had the luck of ´winning the lottery, not in real life and not in crypto. Because I had to build from zero I had no choice but simply choose the slow build. Persistence and perseverance.

Which one is better? I don´t think one of the both is better. It´s really nice that you were able to get rid of the debts, and as long as you can keep it that way and get rid of all of the debt I think you´re doing great.