Most people lose in the third stage because they haven't made a lot of money in this stage, and after 50, it's quite difficult to make money. The entrepreneurial phase has extremely high risks, and finding a high-paying job is almost impossible. In fact, the optimal solution is to set aside a portion of your salary every month for dollar-cost averaging into Bitcoin, regardless of the price. By the time you turn 50, I believe you can hold the Bitcoin you've saved and keep it in DeFi to only take profits, allowing you to live very steadily. $BTC