
I’m 45, and I feel like I’ve screwed up my financial life. I make decent money (about $80k a year), but between raising kids and just not paying attention, I barely have $40,000 saved for retirement. Every time I see something about how much people my age should have, I feel sick to my stomach.
I want to catch up, but saving a few hundred bucks a month feels hopeless at this point. I keep reading about people making a killing in crypto or day trading, and honestly, it sounds tempting. I know it’s risky, but the idea of doubling or tripling my money fast is way more appealing than grinding away for the next 20 years and still coming up short.
Am I crazy for even thinking about this?
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