Im going to jump this post and tell anyone reading, who will listen, that this is THE WORST IDEA THAT ANYONE EVER GAVE YOU.
Don't put your retirement in to STEEM.
If you want to risk retirement funds on crypto, split your investment across BTC, ETH, LTC, and DASH.
That has much better chance of you being able to retire.
If you bought it at 10 cents and leased it out you might have come out "OK". lol
Yeah, the same logic that reports buying Amazon or Google 10 years ago or MSFT 20 years ago was a good investment.
NO SHIT SHERLOCK.
You can pick a million things to have invested in in the past, that would make you rich today. But so what?
I agree that it's probably not the best idea to put ALL your retirement savings into STEEM. I only have some in Steem myself and some in some of the other cryptos you've mentioned as well. Regardless I hardly think it's the quote "worst idea that anyone ever gave you"!