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Actually, I disagree with you. I do believe that you're right in saying that taking certain risks with money could result in a life of troubles and sorrows. I, however, also believe every successful or wealthy person today took some form of risk or the other before they made it this big.
The idea to making it is not just taking risks, it is in taking calculated risks. When you take calculated risks, then you're chances of losses are reduced to the barest minimum which is the exact opposite of taking irrational risks
if we do not consider the risk it is called reckless. reckless only rely on luck without considering many things, whether the risk can be managed properly or not that is important to try. that's a bad idea, however, we must do risk management properly, self-control well, until we know how far our safe limit is in dealing with losses. that way every step taken will be full of calculations.
there are many lucky people, but are we among them?
rather than relying solely on luck, we better learn in advance, not in a hurry, so that we can prepare ourselves to face the worst risks.