There are two ways to see steem. One is from the cryptocurrency perspective and one is from the user-angle of a social platform.

The first one is concerned about entry and exit points, when to buy/sell, good trades, charts, etc. The second starts with zero investment and just starts to write and make money... so there are two worlds here, in parallel, that don't really overlap.

Imagine you came here today, not as an investor but as an author, made this 1.6k USD article (as of the time of my comment), and thus were +1600 USD from when you joined. In that case, the tips relevant to becoming a millionaire would be how to produce content that gets a good share of the content-reward pie. See how subjective the experience is?

As for your personal experience in investment, I think everyone will at some time or another have a bad investment experience, no matter how knowledgeable they think they are. I had some stocks back in '99, they crashed bad and lost tons... lol... multiple lessons learned.