A guy of your age and life circumstances (that you have kind of outlined previously) should have had also been able to double or triple the budget that I just mentioned, so let's say $50k and somewhere in the ballpark of 8 BTC...
Sometimes I regret, that I didn't learn about Bitcoin a few years ago. The reason is that the price of Bitcoin is at its highest level now. Therefore, there is no possibility that the price of Bitcoin will go back to its previous level. However, the price may decrease a little. However, I will wait and try to collect or save some Bitcoin in the future.