I'm nowhere near being a millionaire either, hope to get there for sure, would be great would afford me loads of opportunities. I think that first we need to learn to recognise small opportunities, see what problems you can solve, learn to start small and find ways to be productive.
It's how I managed to etch out a living, I learned marketing at a company and then took my show on the road, I am by no means rich but I am in control over my earning capacity and like everyone here trying to learn to augment that in other ways. Have I lost money in crypto yes sure more than I would have liked but I've learned a shit load and I feel I am much more equipped than I was coming into it in 2015/16