Let me break it down with a simpler example: let's say this summer you worked a job that earns you $6k total and bitcoin goes sideways the next few months. You will have earned 0.2 bitcoin. Now let's say next year, you have gotten smarter, and figured out how to earn $9k in a summer, but the bitcoin price is at $90k... well now you will only earn 0.1 bitcoin.

It is extremely hard to keep up with bitcoin's growth rate in terms of increasing one's earning potential. Another way of saying this is that the opportunity cost of your time now is higher than it will ever be.