This na a very good line of thought and better information wey you share here, indeed it's not too late to start a bitcoin investment plan because in the coming 10 years, the price of Bitcoin won't be where it is currently, the price must have gone alot higher from where it is today..

And the points you mentioned are very important, most especially point 1 and 2, which is to discipline ones spending habit and also to find a bitcoin paying job or find a job doing where you earn regularly and consistently, part of this money can be converted to bitcoin either every week, bi-weekly or monthly depending on the frequency the money is coming, if one can do this consistently without failing for 10 years from now, wetin be say the person no become millionaire?

And again, another very important thing na to pray for long life, make another person no end up eating the fruit of our labour or make the fruit of our labour no con dey only forever without our families being aware, not to talk of having access to the money.