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Here is what I say to people who are happy with 0.1 BTC:
  • 0.1 is more bitcoin than most people (99.99%) will ever have
  • If bitcoin goes to $1MM (maybe in 8 years?) you'll have an asset worth $100k.
  • If bitcoin goes to $10MM (maybe in 12-16 years?) you'll have an asset worth $1MM.
Factor in inflation - $100k in 10 years is not the same as $100k now.
If you are happy with those numbers, then be happy with those numbers.
Take action accordingly.