The only off ramp from here to the foreseeable future from fiat is BTC.

It’s far from too late to safely take the off ramp to financial independence. You have from now until the value approaches $500k. That will come sooner than you expect. Then things will be measured in sats and return will still exist albeit at a lower, slower but reliable rate of return. It’s still early if you just get going. Just a friendly reminder.