I was looking for getting investment advices from people and I applied some. Not surprisingly, I lost money. Since then, I never get any recommendations blindly, I always make my own research and make a decision on my own. The reason was not that I lost money, but I lost money based on someone else's advice. When I lose, I lose. I learn from my mistakes and move on. It's at least my decision and I cannot blame anyone else. But when you fail with other people's thoughts, its like it eats you inside.

Making an investment basket is always a good idea. However, I personally wouldn't put a penny on risky investments if I were a grandfather. Risk fits youth. You can always comeback if you fail when you are young. After retirement, people should use their money wisely and only invest in low-risk investments such as bonds, and adjust to a life they managed to built for all those years.

I believe that Bitcoin is here to stay. It has already revolutionized the finance industry and introduced us to the concept of blockchain technology. While other digital currencies may have come and gone, Bitcoin has solidified its place in the market and has even been referred to as the "gold" of cryptocurrencies.

As for the future, I do think that the technology behind Bitcoin will continue to evolve and improve. While there may be some challenges such as the end of Bitcoin mining, I believe that this will only open up new potentials for the blockchain world. I also think that there can be a similar relationship with other cryptocurrencies and BTC as there was between the USD and Gold. So, in short, I believe that Bitcoin has a strong chance of being a continuous process of digital currency.

Can you provide information on the planned audits of the FNT treasury fund management and allocation, as well as the purpose and future use of the 5% treasury allocation and how it will be effectively managed and regulated for the growth and development of the token ecosystem?

I totally understand how you feel. It can be overwhelming trying to manage your finances as a student. But, I completely disagree with the saying "saving is wasting" if you manage to save your money smart. In that case, it's the complete opposite. Having an emergency fund and paying off debt should be your first priority, so you have peace of mind in case of unexpected expenses. Then you should pay any debt you own starting from the lowest one. After that, you can start investing in low risk ETFs like the S&P 500. Diversifying your portfolio is also important so you can balance the risk and reward. Don't worry about the limited side hustles, there are always online opportunities to earn extra money and make your investments grow. Remember, the key is to make your money work for you.

As Dave Ramsey says, the money will make you more of what you already are. If depressed, you will become more depressed. If you are an alcoholic, guess what? But if you have a big good heart, you can even change the world. So it's not the money that's the problem, it's people's intentions and values that drive their actions with money.

Billionaires' wealth is not equivalent to the actual cash they have, but rather a reflection of the value of the assets they own. When the value of these assets, such as stocks, falls, it can appear as a loss, but it doesn't necessarily mean the money has gone anywhere. The money is still tied up in assets, but the valuation has changed.

I totally agree with you, my friend. Never do the things you will regret and if you do, never regret. I understand where you're coming from with the hesitation to invest in Bitcoin back then. BTC had a bad reputation and the association with the "dark web" and Ponzi schemes made it hard to trust. But as we both know now, it's a real digital currency with huge potential to replace fiat currencies in the future. It's true that there may be "lost trains" when it comes to Ponzi schemes, but a good project like Bitcoin is always a good investment. It's never too late to start investing and we should never regret not starting sooner.

This is such a symbolic move by you. Great work. Sometimes, we cannot believe what little changes can make great differences. Do what you believe.

In a commission-based job, an individual's income is directly tied to their sales performance. This means that they have the potential to earn a high income if they are successful in selling the company's products or services. However, if sales are low, the individual may struggle to make a living wage. Also, commission-based jobs often offer more flexibility in terms of scheduling and time management, as the individual is not tied to a set schedule.

Renting can definitely feel like a waste of money, as you're not building any long-term equity and you're at the mercy of landlords and rental market fluctuations. However, it does offer the flexibility to choose where you want to live in terms of location, city, and even country.

Buying a house can be a great investment, but it's important to consider the lifestyle and privileges that come with it. One option could be to buy a house and rent it out, using the income to pay for your own rent. However, this still requires a significant amount of money upfront and ongoing maintenance and management.

Personally, I prefer to invest my money in other areas and focus on building wealth through those investments. I'm pretty sure that the investment will earn me more money than a house. I was fortunate enough to inherit a house from my parents, and I'm also planning to buy a summerhouse but that's me.

I know I wrote a bit confusing  but in the end, it's up to you and your lifestyle. It's important to consider what works best for you and your individual circumstances.

Dealing with the crypto market is challenging for its volatility and unpredictability. I only invest what I can afford to lose and try to have a well-thought-out strategy in place to manage my investments. I also take breaks if I start feeling stressed or overwhelmed. Also, it is important to diversify the investments and not put all the money into crypto, as it is important to have a balanced portfolio.

I'm still holding my coins as well. I believe that the current market conditions are still favorable for long-term investments in Bitcoin. While there may be fluctuations and dips in the short-term, I have faith that the overall trend will continue to be upward in the long-term.

This is huge news for crypto! El Salvador adopting a law to support Bitcoin and other digital currencies is a huge step in the right direction for mainstream acceptance. It will be interesting to see how this "Volcano Bond" plays out and the impact it has on the market. I hope to see similar steps from other governments...

More and more regulations are coming for the blockchain in 2023. Until now, blockchain made its name heard and the next important thing for its progress is to catch up with regulations and provide compliance. Yes, blockchain is decentralized but still the people behind projects should be backed by trusted organisations.

We should avoid big promises (they are left behind), get too caught up in the hype and cut our losses whenever the company shows unwanted signs and go with the trusted projects. Also, we should seek compliance and small but regular progress that focuses on the function of the services.

It's definitely come a long way in the past few years, especially with countries like China and India taking notice and creating laws around it. This makes compliance more important for the current and the upcoming projects but thats another story. I think the fear of volatility is definitely a hurdle for some people, but I believe the adoption rate will continue to rise.

it's important to consider the fact that cryptocurrency is not just a speculative asset, it was originally designed to be a means of exchange,  If we only hold crypto and never use it in exchange, then we risk losing the meaning of what makes cryptocurrency valuable in the first place. Also, there are some fintech companies that work on leverage system to solve this problem.

Good points. I always inspect the projects that I want to invest in, read their whitepaper do a lot of research myself. This, I think, is hardworking + working smart.

I totally agree. It's crazy how all the governments handled the covid situation so poorly. Not only did they not get the virus under control, but they also completely messed up the economy. Trillions of dollars were lost because they thought it was a good idea to keep people locked up in their homes and not allow them to work. It's just insane that panic and unwise cautions messed up the economy. Now, we became the ones that has to pay for this bad governance.

I totally get what you're saying about money not necessarily bringing security. Sure, having a little extra cash in the bank can definitely provide some peace of mind and make certain things in life easier. But at the end of the day, true security comes from within. It's about feeling confident in yourself and your abilities under unpleasant conditions, having a strong support system, and finding joy and purpose in life. Money can definitely help with some of that, but it's not the be-all and end-all. Just my two cents...

I would do much more effective things if I had a time machine I understand your regret about not buying more btc when it was low but it's important to focus on the present and make the most of it as you said.

In the current market, it's really a great opportunity to consider investing in crypto especially if you believe in its long-term potential. I always think of it as if I used a time machine that is capable of going back to the start of 2023 (now) from 2028 or whatever.