I think you're running in circles and over thinking this. I used to be broke, and now I'm not. I followed a pretty simple strategy.

-Stop using credit (digging a deeper hole)

-Create a budget monthly and follow it

-Gain skills and increase income

-Store excess wealth in Bitcoin.

That's all I did, and I'm now pretty well off. I grew up with parents who were "poor" and broke the cycle by essentially doing the opposite of what they did.

I instead read a lot of books written by people who were wealthy and did some of what they told me to do.

Like magic, I'm now a lot wealthier than I was.

I started buying Bitcoin at the ATH and continued on the way down and still do now. My strategy is to not even look at the fiat price. I just put the extra fiat in on schedule every month, and after averaging out, I'm pretty much always winning these days.

The absolute top thing I did was stop taking money advice from people who have none. Like clockwork, I usually get responses on comments like this from people who are broke telling me how wrong I am. I've been so broke I slept in beat down car. I lived on Ramen to the point that I got sick.

All of that changed when I simply stopped thinking and started doing. Obviously, situations are relative. Someone who lives in North Korea lives under a gun. You can't do much in that situation. But if you're broke in a western country then it's pretty likely that you're not listening to the right people.

I know all of the excuses because I grew up hearing them and using them. It's easier than it has ever been to improve your financial state for most of us.

People starting out (they're starting at a lower price than I did inflation adjusted) should stop buying into the poor mindset. That's why they think the price is high. Looking at it from a growth mindset immediately makes it clear that 70k in fiat is still laughably cheap. Instead, most will look back at 1M+ and complain about not buying at 70k. Rinse and repeat, never getting the real problem.

Little psychological strategies will never compensate for a broken mentality. One must face head on reality and do as much as possible to change it for the better. I'm not Bill Gates, but I'm a hell of a lot better off than I was before I started living this way.

Do whatever you want with this. It's not directed at anyone in particular and it's working for me, so I don't really care if anyone disagrees. It isn't a debate either. You do you.