The thing with money is that no one will give you money for free. You need to take risks to get a return on your savings. If we look at the interest rates right now, we see that they are pretty close to 0%. Parking our money in a money market fund or in a savings account at the bank won't give us any interest at the moment. After taking inflation rate into account we are losing money each year. Buying crypto currencies is also taking a risk with our money, the same is leaving our money in FIAT currencies.
other people can give you advice, but only you can make the decision to take it or not. Everyone can encourage you to take risks, but only you can decide whether you will take those risks or not. Taking risks isn't always bad, but it does require great caution. In my opinion, big things have big risks. If you can't accept the risk, you should never approach it.
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I agree with you that you need to know before taking risks, if you can manage it. Taking risks can mean to lose a lot of money. We need to prepare for such a worse case scenario and should take risks with money that we still need for important things. In my opinion, life always involved some risks, there is no real risk free time. But we should make sure that we decide for ourselves if we want to take the risks and not listen to other people blindly.