Same goes for me that i do really have the chance or situation where financial state is much better compared into those times on not knowing bitcoin or crypto beforehand or earlier.
There are many people who may not be as lucky as you in crypto, but of course it really depends on how they manage their investment. I believe some of them failed because of a lack of experience and knowledge, and the failure doesn't seem surprising. Basically crypto (bitcoin) can change the finances of anyone who is willing to consider investment risks from the start. Many success stories have been talked about, but success is not for everyone and never hit the average.
Be a holder, this is the best choice to change your finances for the better in the long term. Even if no one dares to guarantee the future, bitcoin is the currency that has the most potential to outlast thousands of other altcoin. Prices will get higher in the future, but volatility remains.