I am the only one willing to post as a contrarian on this website. Do some looking at other high earner plans and vehicles. There's no guarantees in life, right? There are however proven instruments that will consistently protect principle while "guaranteeing" returns. Why were people on here advocating for annuities or insurance products? Because they are dependable and low/no risk. Would I like to have the option of putting all my money in Ethereum? Sure, but would it be better to put a small amount money in a tax shelter generating income (if the return was 5%) so I could put most of it in Ethereum rather than gift it to the government? Yes it would.