To be honest, I'm not sure there is any money worth losing most especially when we talk about crypto currency investment, because the higher you buy the more the profit or loss and most times, I see people creating post like using $500 to invest in altcoin. I believe before you invest in any coin you should have read the white paper and do some search about the coin to find any trace of scam, or if it's a scam project, Or else you are just a gambler who is using crypto to cover up. I have seen lots of investors who follow after trend without taking caution, though most times they tend to come successfully. So if you are sure of the crypto you want to invest in, go ahead, after all you are the one responsible for your risks and profits.
There is nothing wrong with investing in coins or tokens that are trending at the moment but only if you can enter at the right time and if you know that you are investing only a small percentage of your capital so that even if the cryptocurrency fails and doesn't gain substantial value, you won't regret your decision and don't feel very bad for losing the money because it wasn't that much, but if the project manages to gain success over time, you can get good returns on your investments.
So, even though it's not wise to invest an amount as large as $500 or above, it's good to take calculated risks sometimes because such risks can bring you great benefits if you are lucky, and if you are not lucky, you will only lose a very small amount that you can recover from other trades here and there.
You're trying to say risk comes with luck, no doubt sometimes people get lucky in the game and that's good to hear but now the problem I observe about people asking questions like this they just don't want to take the risk they prefer going to the process with full assurance that's why a lot of people find it difficult to make their research, from my observation new project always comes with risk and investors who make research and decide to join the trend they actually know what they're doing sometimes it doesn't come with luck, success in new project just determine how far the investor has gone in making research and taking risk. Secondly it's advisable to invest what you can afford to lose mostly in new project that has not gain trust but has been trending, even project that has gain trust it's best to invest what you can afford.