I know exactly how you feel ,as we are on a similar boat (also single, etc). I knew about Bitcoins back in the day, but I asociated it with ilegal activities because of all the deep web stuff so I ignored the whole thing, only to find out years later a guy is now a millonaire off a 27$ investment.

Honestly, I think we are a bit late, at least to cash out millions. The only way we are going to be millonaires is if the value of a single BTC keeps rising to absurd numbers, like 100.000 USD/BTC. There are people that say it could even reach one million, but that's just absurd. Wouldn't it mean the USD is basically useless at that point? How could a currency exist on the practical world? Imagine you want to buy something really simple, like a pizza. You would be using really absurd small amounts of BTC on there. This doesn't seem very intuitive. Most of the average person shoping will be like for 0.00000000000000000000000001 BTC. Anyone else thinks this is nuts?
And imagine the super early adopters that right now have like 100k Bitcoins. They will be like the richest guys in the world. Will Govs and "the powers that be" allow for that to happen? If the "1M USD/BTC" scheme is ever true, basically it would mean super early adopters rule the world in the future. What an insane scenareo.