Crypto includes high risk. High risk means high gain and high loss.
You can invest with the money you can effort without making your life terrible. You must understand that you can lose all your investment if you follow wrong steps. Same as life.
You can reduce risk by using risk management and optimise your gains with less risk.
First do your own research perfectly and than invest in crypto.
Indeed, doing research on your own will be better but not always from them and we have the skills in researching every existing project so that doing research on your own will also be better if we have the skills in this regard. Another solution in this problem is to only invest in famous coins, but still we don't need to be a FOMO to buy just because coins are famous in the market, this solution also at least still requires high confidence so that when there is a decline will not make investors panic.