There's this saying that goes "the biggest or greatest risk in life is not taking risk at all." If you think you are scared of taking risks because you don't want to lose, then you're doing more harm to yourself because a money that isn't invested on can never make profit. It's more like the biblical story of a master that gave talents to his faithful servants before embarking on a journey. After sometime, he came back and asked the servants how they managed what was given to them. Out of the three that were given talents, two worked on it and made double of what was given to them but the last one went to hid his talent and brought back the same thing that was given to him. The master was disappointed and took back that which was given to the slave. It's as easy as these, if you think you don't want to work on yourself or what you have out of being scared of losing it, then you're doing yourself more greater harm. The amount of wealth you as a man have will not increase itself rather it will reduce because you are making payments, sorting out bills, debited and spending. So you should not expect it to be the same amount you left just as you can't eat your cake and have it back.