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Your 10% number is questionable at best and would need to be part of one of the worlds greatest coincidences to be true. It's easily manipulated and at this point it has the viability of a bag of magic beans. While it MAY be viable at some point right now its a giant, unregulated (for now)...

Bitcoin just went from $65k to $30k in three weeks because Elon Musk among others manipulated it, intentionally or not.

You just described crypto.

It’s not timing the market it’s time in the market. That strategy is 15-0

Just don’t get caught without a chair when the music stops

Highly underrated movie.

If you have access to a 401k max it in an index fund, especially if you have any type of employer match. If you qualify income wise open and max a Roth IRA. Eat the tax consequence now, get it all tax free later when you’ll really need it. Open up and max an HSA. The absolute easiest and...