If I had got that kind of money in my 20s, I wouldn't be broke now either. On the contrary. I would have bought lots of stocks (blue chips), which is what I did with what I had. Later, I would have more to put into bitcoin. I would be a whale now, possibly with a 4-digit stash. How happier would I be than I am now? That's a different question.
Sometimes life can be unimaginable when you plan the future and how it's going to playout while the nature will always show you the reality of life.
The misery of life had hits me so hard that I can't still imagine that I have no baby to hit my door crying for a fatherly love and care!
Hoping for nature to hear my cry one last time!