I wish I had met my wife earlier in life, gotten married and started my family sooner.  Married at 30.  Wealth means little when you have no one to pass it on to or build for generations to come.  Your spouse is one of the most important decisions you will make.  Proverbs13:22, A good man leaves an inheritance to his children’s children.  BTC offers this possibility.  Look beyond 5 years, and even beyond 50 years.