Bitcoin Forum

There is no normal being that loves getting losses on business, career, investment and trades that's why even company holders make financial policies to keep record of investment and profits flows. And unlike other business bitcoin also makes sales and losses if you do not investment wisely....is nice when you put in what can not put you sickbed or gives you hypertension, don't invest out of what you cannot withstand the loss.

Is better to use small money or learn risk management first before investing especially newbies.

So the bottom line is, invest what you can afford to lose in Bitcoin and other investments because the risk associated with investment is not only limited to Bitcoin alone but all other assets and investments.

Let me tell you a real-life story, I have a friend from whom I received the same amount as payment for our overtime travel work sometime last year 2022, and when we wanted to invest the money, he optioned into real estate because he feel it more secure and profitable than bitcoin, but I used my whole allowance and travel payment to buy more bitcoin.

At that time, the Bitcoin price was around 17k, but now, while my friend in real estate is waiting for tenants to rent his apartments, my own Bitcoin investment is already yielding of about 10 percent.

Is this a question? If it is then I'll prefer to learn risk reward management before investing so that you will not worried if you invested dropped. If you choose small money to invest but you have lack of knowledge then you cannot get profit because you don't know what you investing. So before entering in trading, crypto make sure that you research before betting your money that can easily lose at any time.

The best use of any amount of money is to invest in multiple assets, I realized that investing in cryptocurrencies and bitcoins is better than putting all my money in savings or unnecessary expenses.

Anyone can have financial freedom, you just need a positive mindset and the right information and a good investment management plan, the reason most investors suffer unnecessary losses is because they don't start with good investment management. In my investing experience, I see that when I study and keep updating the latest news it can avoid losing my investment, my return on investment becomes bigger and more stable and I stop losing my investment capital. That's what good management can do.

And it's true that it's better to use small money than to use money that isn't free, especially by going into debt for this investment, a fatal mistake. Although later investments can increase wealth, there are still risks and can not always generate profits.

Apart from this let your investment money not be from loan or borrowed to avoid pressure to repay. Newbies have to understand that some investment will never give you profit no matter how long they stay especially if you investment is on shit coin. Don't rely on what you are told before investing but to make adequate research, asking questions here because some members are well knowledgeable in crypto investment.

Lol .. not at all...no one wants to be a loser at all times.
I'm always wondering why peeps be so gullible or say - be driven with so much cupidity that they'll always feel it's best to invest everything they've got in crypto, with the intentions of having them back WHEN THEY'RE IN NEED .... What if it happens that the period they need the funds falls between the bullish market??  And they aren't left with any options than to sell? Won't that be mean - losing everything??
Always invest what you can stand to survive without; never put your mind in 'em HODLed funds - it'll only make you eat your seed when peeps be eating Thier harvest

Sandra 🧑‍🦰

There is no need to risk even small money as a newbie, for experience it is better to use a demo trading account. Once you are confident in making profitable trades, then you can use your spare money.

More info on demo accounts here:  https://beincrypto.com/learn/crypto-demo-accounts/ (https://beincrypto.com/learn/crypto-demo-accounts/)

That is one the important policy due to the risk involved in Bitcoin and cryptocurrency investment.
When you wants to invest in Bitcoin it is a wise decision to use your personal money not borrowed money to invest in Bitcoin, and let it be the money you can afford to lose because of the risk involve in Bitcoin and cryptocurrency especially as it is digital not a physical asset.

The best thing to start with is learning about Bitcoin.
If you have enough knowledge about Bitcoin, you will be able to have confidence in your self and which will result to investing a very huge amount of money if you have.

The general rule of investment is to put in what you can afford to lose. But you should also note that in most cases the higher the risk the greater the profit margin. So if you are willing to take more risks, you might end up making more money. Almost all the billionaires in the world are dangerous risk-takers. Some of them go bankrupt if an investment fails but more money if it succeeds. But like OP started we should take risks based on our level and don't be greedy to invest more than you can afford to lose.

Bitcoin is a unique investment that gives almost everybody the privilege of buying because it could be bought in bits and can be sold easily. It might not be easy to sell a landed property but bitcoin buyers are always available.

The demo only helps you to understand some trading features, it will not help you make the same profits when you enter a live account.

Investing and trading is a risky activity, so if you are too paranoid about the risks that exist then please do not trade or invest. To become a successful investor and trader to earn returns, you must consider the risks even if you have to start with a small budget. Do research, learn more and gain experience.

This topic has been discussed so many times but still I have seen many people in my real life that still lacks this knowledge i should say skill, because saving is a skill that everybody can't acquire, and if few acquire then they are most probably the ones, wasting it on unnecessary things.

The point is, people just want to make a hell lot of money at once and they did not want to start investing from a small amount because they know small investment brings small profits and big brings big profits. And this logic has been inscribed into the minds of young ones and most of them just waste their time for getting investment money from someone (maybe a relative, parents or any person) and once they got it they seek ways to invest it, in ways that they don't even have to work for it just put their investments and wait for profits.

This is just chaos, i have seen so many practical life examples and tried my best to teach them the basic rule you have started, but still, any fail to acquire it too. i know this rule seems so simple and many intend to ignore it but simply becomes hard when time passes and you have got no more of it.

I am not anyone's financial adviser so right now I am speaking for myself, yes investment is risky and this character is not only seen in Bitcoin and crypto-currency even off crypto investment are risky.

But with the time I have been able to be active in Bitcoin I can say the risk in Bitcoin is lesser than many other investment opportunities in the long run.

The world is going tech and Bitcoin is the leading digital asset in the world right now and the want for Bitcoin would always increase, I would say invest according to your capital when in investing in Bitcoin rather than saying what you can afford to lose. If you are a long term investor and you only invest in Bitcoin I still don't see how you can lose.

Is not all about using spare money to invest as we think that it was not hurt when it lose but it is all about how prepared we are to start that particular investment. Even if it was only spare money, it also comes our hard work but we dare to invest and take risk hoping that it grow more and bring us wealth. So why we should keep thinking it was okay to lose this money when we have ways to avoid it and work harder? It is all about the mindset that we have. We must know how to value every penny that we have that is why we don't think about it was just spare money but I rather be thinking it was our hard-earned money.

Investing on an amount you can afford to lose is one way on managing the risk when taking investments. Because the fact that there is no assurance if you will make profits out from your investment, then it’s a wise move to just invest using your spare money, so that if your investment fails and lose your capital, you will not struggle with how you’ll manage your remaining finances and you will easily recover the funds that you have lost. That way, you will be motivated to be more knowledgeable and gain experience first before you start putting good amount to invest.

Because we need to prepare the probabilty tht may haooen during the investment. Investent must be included well manegemnt of fund and risk. So, whatever the things we are investing, managing funds is very important to make and ensure us to set the right investment and amount. So, although we still have the risks, we can at least lower the risks and be reasy for all the risks that may happen to us.

Sparing money to invest can help us to diversify the fubd and the risks, so, at least we still have others that may help us to cover the loss.

Investing in crypto can be attractive to some people because it has the potential for high returns over a short period of time, but when the risk management and the ability to provide financial need for other things that are important come into the subject the only way is investing spare money in crypto.

This is a must, when you are investing, this is due to the price volatility, for you not to sell other assets that is valuable in the future one of my issue's before is having to sell other coins, if there is another opportunity, this is also what experience traders do, the advantage of this is you will have a bigger chance to have a good profit and a room add good coins in your portfolio.
Always have an emergency funds is the way to go.

Don't invest what you can't afford to lose. This has always been the advice. However, there is also a subjective side to this. That which you can't afford to lose doesn't actually have a definite amount or percentage, so it depends on one person to another. While one can only afford to lose only 5% of his/her total wealth, another could afford to lose 50%.

And this is where other factor comes in. How well do you understand your investment? How convinced are you of your investment of choice? How risky is it? How risk-tolerant are you?

If it's for the newbies, it's always best to test the water first and that's through small money that they can dedicate in investing. Especially on this market which is highly volatile, they just can't drop thousands on an instant without knowing what they're facing.

That's why many newbies are facing problems and complaining of their misfortunes because they have no awareness of what they're about to get into with this market. And it sums up that they're not prepared so the risk that they've taken isn't anticipated by them.

Start little and from that, gradually grow and add knowing that you understand the risk that you're about to take.

True. Demo account only helps a beginner trader becomes more familiar on how the market works so he can anticipate on how he’ll take advantage on it. But it does not guarantee that whatever your outcome using demo trading will also be highly possible when you are already trading in the real trading scenario. Trading is unpredictable, and so the market is. That’s the reason it’s more advisable to use spare money every time you trade since trading result is always unpredicted, and once you lose, that’s totally a loss in your funds.

Nothing to see here besides just a slightly rephrased version of one of the most common bitcoin "investment advice" that has been frequently echoed through various communities since like, forever.

We have had lot of investment advises across the community but one thing I should let newbies knows about bitcoin is that " they should have this feeling that is very volatile to lose whatever they have invested". Whenever they have this mentality they know is normal for them to lose money so when venturing into the investment they will know what's involved before putting whatever amount they wishes to invest with, and is riskier than any other investment they have ever thought of.

So for those who focuses more on the profits aspect may not utilized the opportunities for short periods, it's better not to be in a hurry to invest with a higher amount rather Minor money that will not bug their hearts.

The basic rule is you must invest what you are willing to loose in this market because it's too volatile and you can loose all the investment in one go if the market conditions goes opposite to you.Some people take more risk and invest their savings into it which they can't afford to loose and becomes depressed after loss.We have seen lot of people facing this problem which is why it's advisable in the starting only that investment should be made on risk but what you afford to loose.

Preparation matters a lot, it is not about using spare money to invest. If one is not prepared to face risk, volatility of the market,  the small money being used for the investment can still make one feel bad if the investment ends up not to be good. Preparation is everything when it comes to investment , without preparation investing with what you can afford to lose may not even be productive.  Learning to get understanding is the first step for preparation.

Is this your final result? By investing a small amount of money, you will always get a small profit. Don't forget about that too.
For a beginner who does not understand all the risks that can be associated with investments, it is better to stay away altogether. Do not rush; find out more about where and how much you can invest. Learn how to take care not to lose your investment, including all possible risks and ways to store it; be sure that you have other income that will not leave you and your family without funds; and only then make decisions.
If you think that today you will invest a small amount and tomorrow you will double it, in the end, you will lose everything.

There are two things that can make someone to lose all their investments in one go, it's either you invest all your money in a scam project or you failed to diversify your money in different projects, meaning you put all your eggs in one basket.

Even if someone bought Bitcoin at 69,000$ because they lack the knowledge about crypto, they haven't lost their money until they sell their Bitcoin, buying at 69k is not good but getting the double of the money back when Bitcoin hit 150k is possible, all they need to do is hold their Bitcoin.

Do not invest the money you aren't ready to see go down in time, because it will happen even if you are buying the dips in this bear market, there will be time where your portfolio will lose 1000$ in value and it's fine only if you are here for the long term.

Who wants to lose investments right? Even in business, it's still a risk that's why they they make policies to avoid losing profits. It's also same with Bitcoin and other type of investment. Mostly, people study and make their research before investing since they wouldn't want to lose.

It's already been said and advice a lot of time, that it's better to invest your extra money and if you can afford to lose it. Don't use your money that you loaned, or something that is reserved for some important use. It will be hard to move on from those losses if you really need that money. 

Many people are in a difficult financial situation and are desperately looking for a way out.
When they read in the media about big profits from cryptocurrencies, they often become euphoric and risk high stakes in the hope that it will help them financially.
Such investments usually end disastrously. To invest in anything, shares, Forex, crypto... you need to prepare very well, study a lot, analyze and make a clear investment plan based on detailed market analysis. It should be seen as a real job and not as a hobby.
In accordance with your financial capabilities, you should make a concrete investment plan and have a clear exit strategy. Everything else is not serious and a simple waste of time and money.
Of course, you should always be aware that crypto is a high-risk investment and only invest money you can afford to lose.

Considering the current price your investment in bitcoin should be yielding 50% and not 10%.
Choosing the investment option is all about belief. Your friend believes more in real estate and it's his choice.
Also, if he would have already invested in bitcoin and then chosen real estate even then it's not a bad choice because that way he is diversifying his portfolio.
Diversification is a good thing too.

Now that he has an apartment to rent he can get that rent and invest in bitcoin periodically.
That way he would be able to DCA his bitcoin investment and gain further more profits while owning an apartment.

That is right but the challenge is, most real estate investor do want to diversify since the real estate business consume a lot of money, this is why diversification is not easy for them. But then when it comes to Bitcoin, it's very easy to buy any amount and hold, the gain comes from how long you can hold and how well you calculate taking profits when the DCA price increase.


But then it's his choice and I have to respect that anytime any day, as long as it comes to investment it is better for the individual to calculate and take the risk on their own instead of forcing and convincing anyone onto an investment moot, especially in a high-risk investment like Bitcoin.

Investing is one of the risky activities, as you know, Investing in Cryptocurrency is not as easy as one might imagine, sometimes the expected results are not in line with expectations. You never get anything just by being silent, risks can shape your mentality to do new things. The main purpose of investing is only to get profit, but the risk is the same as the profit you get.

Learn from explorers who have sailed the vast seas, they dare to take risks just to find new places. They will be amazed when they see a place they have only seen in their dreams. This is just a small example of investing, without taking risks you will never feel how sweet it is to reap profits.

You can still lose your money even if you know how to keep your crypto wallet from bad actors, this is the first reason why you need to use spare money to invest in crypto only, importantly for a new beginner, there will always be some mistakes to make along the way before you get used to things in crypto space.

Another reason why you need to use spare money is because you will be able to hold your coins even if they are losing value, since you wont be needing the money any time soon, those who can't hold their coins comfortably use money they aren't ready to lose to buy coins which is a lame move.

I totally agree with you! I learned this lesson the hard way when I first started investing. I was so excited to jump into the market that I invested a sum of money without really knowing what I was doing. Needless to say, I ended up losing quite a bit.

It's been a few years now, and while I still experience some losses, I've learned to manage my risks. Diversification is always a good thing and it's wise to spread your investments across different assets to minimize risks. But with age and experience, I have come to realize that investing demands considerable research and study. I have learned the hard way not to throw my money into something I don't entirely comprehend, regardless of how profitable it may seem initially. Even with diversification, it's still important to do your own research and due diligence before making any investment decisions. That means taking the time to read up on all the relevant information. And don't be afraid to seek advice from professionals or experienced investors, but always remember that the final decision should ultimately be yours.

I think you wanted to say spare money and not small money. Even talking about spare money these days, is our income really enough for our expenses that have been affected by increase in price of things that we still have some to spare? Investing in Bitcoin is no longer about spare money but money you can sacrifice, and you do not just have to do it once, but many times as well. Sometimes you will be able to sacrifice more and not so much other times, but if you can continue sacrificing a portion of what you have to invest, your investment will grow bigger than you expect, than you could have possibly sacrificed at once.

Investing using your money you can afford to lose is one effective way that you will last longer in your investment. At least, if you lose in the start, you can still manage to recover easily that loss and then invest again on the coins you believe will work out in the market. That’s also one way to lessen the risk in any investment especially like bitcoin. Bitcoin cannot assure us that the whole investment will be profitable, so it’s best to invest only on the amount of money that won’t leave us regretting once they turn as a loss.

Having so much money without knowing what to do with it is really disturbing for someone who wants more of it. After all your struggling from day one to the end as someone who's working, and you know it's time to rest I feel it's time to use half of your money to do something that you know would bring in more profit.
It is never best to use all you have labored for because if you do and it happened that what you expecting didn't go as planned then you have your self to blame.
Investment for starters is like gambling never start with a bigger amount unless you have something that much bigger than what you want to spend.

As stated, the demo will help us understand trading features and aside from that the flow of the market.  It is the best way to test ideas without losing anything.  For newbies where the person is not accustomed to the features and flow of the market, it is the better first step than diving to the marketplace and trade directly.  It may not help a person for live profit but at least it will help a person to understand the market and avoid unnecessary losses.


Not only consider the risk but rather understand the risk involve, and learn how to counter or mitigate it in order for us to minimize our losses.  This is where risk management comes in.  I agree that before involving in any investment venture, one must do his research and learn from experiences.  Thus, a demo account can enable us to apply our learnings without any risk involve to enhance our trading knowledge and we can always shift to real trading and investment once we feel that we are ready.

Always know that whatever amount you desired to invest, it also comes with possible losses. However, if you can prepare yourself before investing by obtaining more knowledge and investing skills, that will help you to prevent your funds from losing, or lessen the risk of losing. For me, it doesn’t really matter as to how much you start to invest, as long as you can manage yourself from losing them, the that’s the most important. Losses that will not trigger you even several years after that loss had happened.

That is very true what @OP said. As inexperienced beginners, they can use small money first to learn to invest while learning more about Bitcoin so they can know how to invest properly. And even though they are still losing money, they can profit by holding their bitcoins.

But unfortunately, there are still many people who are not ready to see the temporary loss they are experiencing right now so they sell their bitcoins and leave it for a while. But people who believe in Bitcoin and have learned a lot about it will still hold on tight because they believe it will get a moment to increase.

And that's why we have to use the money we don't use for anything to anticipate if we experience a loss and not sell it when we face a sudden situation requiring money. That is so that bitcoin investment is not disturbed and we can still hold onto the bitcoin.

Although a demo account will give a real condition with the current market, but there's no adrenaline and you're not worried if you make a mistake. That's make them tend to make profit because they're buy it and wait for few second to sell, repeat. While the real market, they will buy, but the price only increase a bit and it's make them to wait until raise for at least 1-10%, but the reality isn't, the price keep decline.

I'd consider to trade with small amount money than using a demo account.

Never invest money you can't afford to lose, especially in
cryptocurrency industry given the risk involved,this rule should always be followed.Being reckless and investing large sums of money in any type of business that you can't bear the risk at end can easily cause the investors to suffer a great deal of harm.


Both aspects are good to take into account, especially for beginners, but if I were to choose, I would choose to focus on learning risk management first. This would help me realize how much money may be appropriate for that business in order to generate a good amount of profits.

You were lucky but think that it could have worked the other way around if you bought it when the price was 65k and now you were waiting for the bull run to recover your investment. That's why you should follow the rule about what you can afford to lose: it's the only way to detach emotions from a rational activity like investing. Think about it, if the price was 65k instead of 17k when you bought, the difference would be immense.

Your investment advise does transcend beyond just bitcoin investment penetrating into other facet of businesses and it's more honorable and peaceful when people put in to invest amounts they are easy to forgo in case of a loss in the investment compared to going beyond ones financial strength.


Most times, it's the lack of risk management knowledge that puts many investors out there into making and taking wrong decisions about their finances. And it would be helpful should investors try to learn about risk management to help them in certain financial decisions about their business. As there is a clear distinction between an investor with a good risk management knowledge to another that doesn't posses a glimpse of anything about it.

Well said. This applies not only to beginners but also to experienced traders who may not know much about risk management and end up losing not only their winnings but also their capital. It's just a matter of being wise and knowing how to control your money effectively.

To be honest this topic is quite interesting as I've seen many people lose a lot of money due to their poor money management habits and some still haven't learned their lesson. I believe they should use demo accounts to avoid making costly mistakes and learn gradually, starting with a strategy of investing only the money they can afford to lose or the spare money they won't regret losing later.

Often people say, investment is one of the good goals for the future, investment doesn't have to raise a lot of money first, there is intention and will, investment is easy to do.
Sometimes we think we can buy 2-3 packs of cigarettes a day, why can't we afford to invest and find it hard to do....think of investing in crypto, like buying cigarettes $ 7 a day, thirty days $ 210, in one year we have invested $ 2,520 in crypto.

Invest a small amount, it will educate us to be big, if we know crypto we shouldn't think we can't by having to wait for a lot of money to be generated, seas can accumulate slowly, mountains can slowly erode become flat.

Invest in crypto according to your ability, don't force it, the results you get will definitely be good.

    Profit and loss is the first principle of trade and one should ready for any unforeseen situation, if doing aggressive trading. Business management is a detailed science from which we learn about the rules, method, principles and also the decision making ability, which is more important for a trader.
    Multiple experiences gives lesson to the investor, and also brought vision of market whom he involved. Profit and loss is the part of trading, and don't be panic about that . A man learn about his mistake or experiences during his life or time he spent. One should get ready for any situation.



  For newbies , at first, It is quite important to know about the investing methods, techniques and trading rules. One can learn from traders or gain by trading with small coins ( but before this, must know how to do that). With small money/capital, take short step marketing to learn what the trading is.

Lots of people have endangered their life just because they went to take loan to invest, we all know that every investment is risky, I see no reason why you will take a loan to invest in cryptocurrency, if you are planning to invest, then you can start from the little you are having and you will keep on growing it gradually, it’s better than you taking loan to invest, so many people have committed suicide because they took a loan and they lose money, and they don’t have any means to pay back.

Have seen newbies taking loan to invest in shit coins, don’t you think that’s funny, why will you take a loan and the only coin you can invest it on is shit coins, it’s better you take a loan and invest in bitcoin if the loan is for long term, rather than taking a loan and investing in shit coins, if you take a loan and invest in shit coins, it’s just the same way with you taking loan and gambling with it.

I can’t invest my personal money In shit coin not to talk of the money I borrowed, I don’t know why some people just prefer taking unnecessary risk. But I think some people taking loan to invest in shit coins don’t really know much about cryptocurrency, maybe their friends introduced them to cryptocurrency and convinced them to invest in a particular shit coin, it’s going to pump hard and they will be very rich.

when someone decides to put their money in an investment, they must already be aware that they are taking the risk of losing. beginners still have to learn how they put their money into the right assets. it will help beginners not to panic too much about the investments made.
beginners are better off focusing on one asset first, like Bitcoin, and not trying to put their money in shit tokens.

I fully agree with what you say. Because basically investing in any case must be based on insight regarding the assets to be entered. Not only in bitcoin but also in other investments that are even less risky. Everything requires careful consideration and analysis. Especially on a fundamental basis when it comes to long term investing.

And to invest in Bitcoin we must first know that this asset carries a higher risk than other investment fields. And behind all that Bitcoin is also the most potential investment than any other field. But it is very important for us before investing, we must first prepare the money to be invested, which is really cold money and will not be used for a long time, maybe even ready with the risk of loss. Maybe longtime investors know this. But for beginners things like this are often overlooked. They don't even hesitate to put their investments in one basket. Even though this is a basic thing that should be avoided by an investor.

The fact still remains that, in bitcoin investment, never buy when the price is high because you may be getting in at the wrong time and that could affect your investment position for a long time, so the best time to buy bitcoin is when the price is low e.g of tou buy Bitcoin at the current price of 26k it will be a good discounted price, compared to those who open a buy position at around 30k+ BTC price, or those who bought ag 17k and refused to DCA when the price rises to 30k+.


Timing is very important when it comes to BTC investment and never to overtly obsessed with holding when the price increases significantly above the bought price, or failing to buy during a dip.

Every investment has a chance for profits and losses. So, it is untrue if you assume Bitcoin isn't the same as other investments. But, I agree that Bitcoin investment is high-risk, that's why only use the money that we can afford to lose. So, it won't be a big regret although we fail to get profits and just get losses.

When we are a newbie, the focus should be learning or getting sufficient knowledge/experience. It is strange to use big money when you still have no enough knowledge/experience. But if we already have enough knowledge/experience, it is no problem to use bigger money.

Yeah investors have to calculate their risk management before deciding to invest in any kind of investment. That is why i agree with you both that people should learn about risk management before investing. on this knowledge they will allocate their money to invest include from where is the money source to be invesment. either from saving or loan, people should have healthy wealth with combination of assets and liability.

Investment in the encrypted market is risky, and it is necessary to invest within the range of acceptable losses. And investing your money in many different types of assets can help reduce the risk of your portfolio, increase your wealth and achieve your financial goals.

Let me paraphrase the question: "Why should you use spare money to invest and not money for daily needs?" because when you make sure to invest with spare money, you don't urgently need that money, and your daily needs are already fulfilled. This will relax your mind and make you better at taking decisions with a clear head. When you invest with spare money, it makes you more flexible in managing your portfolio without too much thinking about the money. Some people invest in crypto on loan; I think that's not good. If you lose, you lose not only your current money but also the loan. There is an additional burden to that. Investing the amount that you can afford to lose is the right answer. It's still going to hurt when you lose, but at least you're ready and prepared for the consequences.

It is because we expect profit from our investment, not losses. Even though it was just spare money, it still had value and we work hard for it.
In my mind, even if it was just my spare money, I would still look it was very important to me and I have to work for my investment in order to succeed and not just be okay to lose them all.

Though it was recommended by most but I have to challenge beginners not to let it go so easily that is why we should have to look for good coins to invest in order to have some profit assurance. Besides, this will even boost our courage and motivate us.

Same story everyday, aren't the new things to come up with??
It's a risky world, while expecting the best, expecting to make profits, it's necessary to prepare for the worst.
Some good things don't come easily, you have to work tirelessly for it.

The main point is that every investment carries risks and nothing is risk free. In the crypto space, the investment risk is real as price volatility will automatically impact the budget they have even after 1 second from the purchase. However, the most feared risk is not volatility if the investment assets they have have great potential in the long term to provide returns, but the risk of losing assets due to lack of knowledge and experience in securing wallets is the most important.

Investors will not lose their bitcoin or investment assets even if the price fluctuates, but they will lose their investment assets when they do not practice the best security for their wallets. Trivial things might be fatal, so it's true that those who decide to invest in crypto should pay attention to what the risks are.

In addition to what you stated, always invest the money that you are willing to lose.

I remembered I read this article that once you save your money (e.g. safety deposit box, piggy bank, etc.), you are most likely to spend it. It is highly recommended that you use your spare money for investment purposes in order to maximize the returns that you can potentially earn in the future.

But again, treat your investments as money that can also potentially be a loss in the event of a market crash. That is the reason on why some create a contingency plan in order to at least lessen their losses. At the end of the day, an investment is something that must be followed and reviewed in order to get the most out of it.

I don't know but nobody is talking about the greed effect and to put you more in line, this logic or fact of knowing the right place to invest doesn't only applies to beginners as everyone can make wrong choices of investment prior to the greed effect that is seen in almost all humans. Most times the reason for people investing in these shitcoins as you called is because of the nature of how fast they can possibly make good profits in some time from these coins and most times no proper research is done as they are currently blinded by the money they can make from this coins and when this turns sideways all assets are lost to these type of investment because the shitcoins are never to be trusted as they can pump up rapidly and also die off extremely fast.

Any investment could bring out the best profits or the best losses in you knowing how uncertain like bitcoin investment is. That’s the reason why we should never put an amount that is too hard to lose, but put an initial amount that you will never mind once you lose them all. After all, investing is not 100% giving you profits all the time. So in times when your investment is not working based on the plan, then it’s a good thing that we only invest using our spare money, as it could never affect our finances once it’s gone.

That’s one of the basics in investing, putting a small amount of money at first so that if you lose, you will never be affected with it. But since new investors are mostly greedy, they immediately invest in big amount hoping that it will surely give them big returns. And when they lose them because of their greed and being impatient in the market, they end up having financial struggles and jump into conclusion that crypto is a real scam and should not be trusted for all investors.

Investment have a scope which I believe that many people suppose to know that investment have strategies, so I believe that investment of bitcoin have it on way, for investment you have to take a proper instigation before you can invest in bitcoin, so I believe that such kind of investment is something that you have to know first before investing in bitcoin, you can't wake up and invest all your fund's into investment,  because people who has been using bitcoin know quite well bitcoin investment have advantages and disadvantages because its a virtual currency which sometimes might occur during the time of the investment as I may say, bitcoin disadvantages is higher than the advantages,  so the disadvantages is all about bearish time.

At the time, bitcoin remains a not very well known commodity in our society. An alien to the many currency and means go investing in our world but in all that, there atr goose that have and ate taking maximum advantage of the innovation.
The strange nature of bitcoin being a digital currency m the fact that it ain't regulated, isn't backed up and governments are always seeking means to ensure it lands in a sink hole has got many weary and uninterested in the innovation.
It seems a very risky investment choice and that gives prospective investors reasons to shy away.

This is where investing with spare cash comes handy. For most, it just might be worth nothing and you possibly wouldnt gain much if you was able to hold on to it for price appreciation. Its a step at a time and what yiu call spare cash would be worth more than you can afford to lose when you invest continually.

Live with the risks and embrace them. That way, you don’t have to fear those risks as they can be part of your future success. Otherwise, if you don’t take risks, you’ll never have something to achieve. And never stop from learning from all the experiences that you may encounter, especially those who made you experience losses as they can be your motivation to improve on your own craft. Demo trading might only be good for beginners but it can never guarantee success when you’re in live trading. Experience is still the best teacher.

The keyword from my statement is "ready and prepared for the consequences" of course we don't want to lose our money even if it's spare money, but at least you won't get additional trouble like when you invest your daily needs money or loans.

Yes, it's good not to invest what can jeopardize our peace of mind or render us a financial wreck. The only reason this is sermonized is in case things go wrong as no one has a full grip of what happens in this industry. It's not as if it's always awry. Those who invest small, fearing they will be wrecked if things go sour should also not regret not investing more if things go well. No regrets in this industry. Whatever happens should be seen as a lesson and not as a moment of regret or get bloated with excitement.

I agree with you that it is not investing what you can loose, but making extensive research before investigate. If you carry out your feasibility study well and truly find out that a business is profitable, then why invest spare money. I'm not saying that you should put all your money in it, but if you believe in the investment, then you can put in something substantial to invest in the business. Business is all about risk taking.

If not alien, it can be that people have misconception like me back in the time when it was still cheaper. I always had thought that Bitcoin was sort of like an illegal coin that is continuously being hunted down by the government and it was only purely used by criminals in both Surface Web and Dark Web.
This is why I did not even invest a single penny at that time.

It is still indeed a risky investment these days, but hey from how Bitcoin just surpassed 20k for like 2-3 years ago. Pretty sure that would build up trust for those "prospective investors".  Knowing that Bitcoin does not worship a regulator nor it is regulated by another party is just a plus for me like always.

Sometimes extensive research and FS are overkill if you know that the coin/token/project is just shit. Let's say most of the meme coins out there fall into this category, like there is no need to do such extensive research from it.

Sometimes people don't think like this. They tend to speculate a lot more. They are attracted because of the benefits they will get even though they do not have the expertise. I think it's better for you to use money you don't use. Not a reserve of money, but indeed you are ready to lose the money you use. Reserve money is still risky enough to invest. Invest with very free money. Start small, learn how to manage your money and how to invest. It will shape your investment pattern and of course you feel more confident in your abilities.

Regardless of where someone's investment budget comes from, I think in the end they also have to recognize and consider risks. Investors who succeed in getting returns are those who manage their investment risk well even though they have to take bigger risks.

Sometimes I agree that the source of the investment budget must be money free from long-term use plans. But using a reserve fund or what is often called an emergency fund is also fine instead of keeping fiat for the long term. The main problem is the percentage how many they are, it must not be a problem if the reserve fund is used for investment. I think using 10% to 20% of reserve funds for investment is within reasonable limits.

That's just the point! Sometimes I want to compel myself to believe that most people forcefully expose themselves to be scammed. Everyone has guts feeling that alerts us of something but truth remains that sometimes we want to ignore it and do the permissive, especially when our minds are already made up to do it. In trying to go ahead we conjure up all sorts of "what if". Frankly, there are projects with scam well written over them without anyone digging an inch into them in research as to whether they're genuine or not. Yet there are people who still invest in those projects. How such projects get those they scam is a wonder to me.

Regardless if you are a beginner or pro in an investment, it’s always important to invest only at your spare money or your extra money so that if you end up losing them, that will not affect you that much. Unlike those who invest all in and spend all their hard-earned money, when their investment fails, it turns out that they also want to end their lives thinking that they are no longer worth it anymore. Life itself is an investment, if you don’t know how to handle the risks associated in it, you will never be successful in the long run.

The investment chosen should also absolutely guarantee that it will last for the long term and will not be lost. Sometimes people get trapped into investments made by scammers and their money disappears completely. This is indeed an investment risk, it is necessary to do detailed research to find out. Some emergency funds will help if the crash continues. Emergency funds can be obtained from personal money or unused savings, but remember this will be a big risk if there is no commensurate return. You really have to think about it and know the risks involved.

The general idea of using spare money to invest emanates from the fact that, this is something you can afford to lose and it won't hurt so bad should that be the reality of things, a lose. You just want mind because, this is a money that comes with less expectation and you could as well declare it as lost upon investment. This is one of the reason why investing with spare money which is often referred to as a ready to lose money is desirable.

Another scenario comes in to play for those who believe bitcoin or the idea of cryptocurrency could crash some day. You feel more safe with spare money and in the event that it blooms, your sure to be proud of what your worthless funds provided for you.

Yes, spare money is safe for investment. If you have a family to feed, if you have bills to pay, you cannot use that money to invest. Especially bitcoin investment is quite risky and it is better to invest for long time. But if you don't use your spare money in bitcoin investment you have sell your coins at less price to maintain your cost and if you somehow lose that money you have to borrow money from other.

So to avoid risk, invest spare money in bitcoin.

You are right on this. Investing using our spare money will make us more focused on our long term goals without being bothered by any price fluctuations or market crash. We will no longer panic or become stressful when the market suddenly turns bearish knowing we only invest an amount that is not needed at the moment, so the essence of having patience and perseverance will be more utilized provided that we are aiming for long term investment. And there will be bigger chances to enjoy and be thrilled on the high volatility of the market since it’s high volatility alone can offer us life changing results.

If you look at the historical movement of Bitcoin, the price can spike and then fall very quickly. Even though it provides benefits, investing in cryptocurrency is like a double-edged sword. On the one hand, it can provide high profits, but in an instant it can also make you lose all your money. For this reason it is highly recommended to use money that you can afford to lose.
It takes strong mental readiness in Cryptocurrency investment because the movement is very much like a roller coaster, investors need to consider before deciding to invest in Cryptocurrency including where the source of the money will be used.

By investing using money not used for anything, we will not be bothered by any problems and can focus and make money from investing or trading. And always try to calculate how much we can use in investing to be sufficient for our monthly needs.

In addition, if we experience a loss and keep the coin, we will not be influenced to sell it at a loss because we can still be patient, waiting for the price to rise again.

That is why we must have the correct capital allocation in investing or trading. We can also expand our investment if we have managed to get a profit so that we will have even more investment.

Not only trading, but anything you put your money into requires knowledge of such things, the risk behind the investment, and so on, because what is the point of investing if you don't know where you're putting your money? I believe you're taking a higher risk than those who understand how it works because they have the best knowledge of controlling their funds.
When you mention betting here, I believe you are referring to gambling. And there is difference between investing money in bitcoin and other cryptocurrencies and gambling is that investments allows you to invest your money in multiple places, whereas betting only allows you to put your money in one.

Tell me how much an investment, in which you are ready to invest only what you are ready to lose, will bring you, how much are you ready to lose?

I do not believe that investors who own large fortunes invest only what they are willing to lose, they risk large amounts, but at the same time they look at how risky their investment is.

My friend doesn't invest in anything, he just saves spare money and that's enough for him. Whenever he has some spare money, he buys US dollars and says that this is the best strategy for him. I explained to him that inflation in this case will reduce their value, but he doesn’t care, it doesn’t scare him and he doesn’t want to invest in anything. This is his choice, if he is so comfortable, then so be it, at least he will not lose anything in investments. I buy bitcoin and I do it with funds that I am not ready to lose, but if this happens, I hope this never happens, then I have reserves.

Speaking of Demo accounts, the feelings also is different. In trading using a demo account, you can risk more money because it's a demo only, and the money that you have on that account is just fake. On the other hand, if you are trading using your real money, the feeling is also different as well. I've tried using both already, and I can say that your feeling when using both demo account, and a real account with real money really is different.

I will just add to what you said as well. I've seen newbie investors, and newbie traders out there who are getting overwhelmed because of the lack of information that they have, and because of that, they will just make some decisions base on their emotions, and not on the knowledge into the particular investment that they want to invest their money with. Like you said, do their own research, and if they find a mentor when they're just starting then it would be better because they will make your learning a bit shorter comparing to other people (like me) who did self-study thus, it took me longer time to learn everything (the basics).

This is a very subjective question.
What if many people here are like me who has the knowledge already, but don't have spare money? So you are saying that we will not invest anymore?

I already know the basics already when it comes to investing, but I'm not using spare money whenever I'm investing, but I'm using a portion of my salary to invest. That isn't consider spare money for me. On the contrast, I'm only investing on the safer assets because like I said, I don't have spare money.

Good advice. it tastes bitter and sweet indeed if you invest in this crypto world. especially when we entered, the price wasn't really low, but once we corrected again, the price that we thought was the lowest became the highest. For nominal entry I think variation. it's true, like you said, if it goes down in value for stress, but in the crypto world, to estimate a large return on investment, you inevitably have to have sufficient funds to enter the market.

Investing in crypto Then you must know the risk it because in the world of crypto especially bitcoin the price is volatile which means you cannot predict every seconds of the price which is sometimes it will goes up and sometimes it will goes down. So you must control your self and stay focus on your goals even though there's a time of decreasing the price bit one thing for sure in the long run it will give you a good profit.

Our main goal why we are investing in Bitcoin is to earn money and multiply our capital. Even though it was just our spare money, I know nobody wants to lose them all like we don't care about it, of course, we feel hurt and disappointed. Though we can say that crypto investment is risky, still is not enough to think that we should just use our spare money, instead find a reason why we have to protect and grow it.
I encourage you not to think about the large return when investing in crypto for this will lead you to get out of control and take away your (spare) money too easily.

Not all cryptos are safe for the long term. Look at the many token coins that died, they had a good history but were not able to survive until recently. Only a few big coins are currently holding well, one of which is ETH, it has been around since I was trading in 2015.
Forcing the use of borrowed funds or basic necessities is very bad, other alternatives use spare money that is not used and ready to be lost.  But it is very rare for people to think this way. They even use basic necessities funds to invest.

Life is full of risk so why keep sticking to the playing safe way, people with a higher risk to their selves has the higher chance to get their life more better because they always grab the opportunity if there's any to take a risk and make more earning the same way in investing you don't let your money keep sleeping on your banks, instead use your money to earn more money into you so you can gain profit while you doing another way if income, keep riding in the market volatility and grab the opportunity. The higher the risk the higher the profit, invest what you have. Not all the time you will win in the investments.

All crypto prices fluctuate and you cannot can't exclude one.
The source of the investment budget must also be considered before someone does it, especially to avoid things that can damage their investment plan. For me the savings and reserve funds are different, both are planned for something different.

Reserve funds are funds that you should be able to use to cover expenses you need if your savings fund cannot meet those costs. You can't use the reserve fund as long as you have savings, meaning it's not a priority fund to use even if you have an interest in investing. Use reserve funds to help you in difficult financial situations, when you have no other options or something.

What must be known first is the principle of investing, especially in the cryptocurrency industry. We must ensure that we only invest money that we can afford to lose, as this is important for a good move in protecting our significant financial losses. Although investing in cryptocurrencies has high profit potential, there is also considerable risk due to market volatility and uncertainty. I think we must continue to follow this principle and continue to maintain it so that we can minimize losses.

These two points are actually very good and should be a guide. As a beginner, you really have to start by using small money and learning risk management is the best and wisest approach to investing, especially for beginners in the investment world.

Be responsible with your investment. Try as much as you can to not be move by your emotions but by logic through informed decision before investing in bitcoin. Not everyone may have spare money to use for investment so before you use your savings try and ensure that you have a back up plan or a proper risk management strategy to keep you going incase there is a delay in the return of your investment or the market crashes.

And in such a situation whereby you aren't investing with spare money, one should ensure that the money to be invested isn't going to be needed or used within a short period of time, in case the expected time of return on investment elapses and you haven't realized any profit, you would likely get disappointed and maybe be on pressure or forced to liquidate your asset at a lose.

It is not only in crypto, we must know the risk before we invest in anything. No investment has no risk, even Gold price also fluctuates although it doesn't fluctuate so much. By the way, I assume Bitcoin is one of the safest crypto coins for investment. Sure, it price fluctuates but the price history is clear and it proves that Bitcoin can survive very well in crypto market. Even people call Bitcoin as the mother of crypto coin, which means Bitcoin is like the main coin in crypto. So, actually we don't need to be so worried to invest in Bitcoin, especially for the long-term holding.

I will also be of the same opinion as you, Bitcoin is the Mother Of Crypto and this is safer for long-term investment even though the price fluctuates. But considering bitcoin's good history, this investment will not disappoint those who are patient and wait until Bitcoin reaches a new ATH. there is nothing to doubt about Bitcoin, except that if you hold Altcoins it will be more risky to lose more. Using spare money to invest would be better used in Bitcoin.

Investing in cryptocurrencies, especially bitcoin, will never be easy, but with careful planning and mental readiness, investing in bitcoin will never make a loss.  the purpose of an investment is profit, but do you have to put all your money into it, of course it's risky, determine how much you will invest, and save the rest for your emergency fund when your investment doesn't go according to plan.  as someone who is active in investing, there are many stories that can be used as lessons at this time, even i always have discussions with some of my friends when i want to invest in something, i have to get into detail about whether the risk is greater than the profit that will be obtained. 

The general advice in every volatile investment is for you to invest what you are able to lose and that same advice applies in every type of investment. I do not think that there are people who invests all they have in one asset.
This is where the idea of diversification comes to play. You invest in more than one place and there is a rare situation that all the investments will go wrong at the same time.

True. If not due to desperation, it's possible that they are just not that patient to buy the usual like Bitcoin and they're just doing it all in scam projects with the hopes (although hopeless) of still something to squeeze their money out.

For me, it's either Bitcoin or nothing else. I might consider ETH, but I am not considering other coins just yet.

Yep, that's pretty much the play. Not sure why people tend to go far on doing loans just to invest it in crypto. Those are the money I want to be able to pay back at the end of due. In a volatile market, that's not going to end really well.

Profit and loss are connected with every business. Whatever business you do, you do it with the intention of making profit. No one ever invests in any business with the intention of loss. It is certain that wherever one invests without thinking, there will be loss.

Any business is always started from a small level and scaled up after gaining experience and understanding the market. Since the crypto currency market is a very volatile market, the prices are not always the same but always go up and down. This is the reason why always invest money here that is more than you need. Maybe when you need money and you want to withdraw your money, the market prices have fallen and you have to make a loss.

It's not as if I don't have investments in altcoins. Of course, I do. I've an appreciable amount in altcoins and I do believe that on the short term altcoins give better ROI than Bitcoin. However, anyone investing in altcoins should be extremely cautious. For newbies, they should avoid alts investment totally if they can. The point I laboured to draw out there in the other comment is why would anyone intentionally invest in obvious Ponzi projects and the feelers I get is because of the mouth watering packages or returns these projects promise the public.

No one will know the outcome but the purpose or goal of using demo account is to make yourself familiar with it and will help you learn about investment before you use the spare money rather than using spare money and when you start investing then the money you will have left is not the spare money if ever you lose it all.

There goes the first time businessman that have been lucky to have it the profitable way but majority is expected to set a loss. That's how business goes and that's to be expected whenever you start one. Because it's full of uncertainty even if you know what you're doing.

You said the opposite, invest only the money that you don't actually need which is just like a spare money for you.

This is the good thing on this market, there's no lock period unless you avail those exchanges and wallets staking features that your asset will be locked for a certain period of time.

Just as you have described, whoever decides to invest in something that will give them hypertension or put them in a sick bed is basically paying for their mistake. For every mistake, there are consequences that must be paid, and for every successful business or investment, there was also some price that was paid by the investors, no matter how small or demanding those prices can be. I know some people who lament the big losses they are facing in crypto because they have no idea that's how the market can be. So people practically throw away their money just to invest in some altcoins that can turn shitcoins in a short period of time, and at the end they cannot withstand the pressure they will be facing from those investments they made without knowing how truly the crypto market works. I usually say to people, "Let them always know a lot about any platform, system, or project they are putting their money into before they go ahead with the plans, and also let them only put in the money that will not affect them if the investment ends in a bad way."

We should use spare money to invest because the potential to earn higher returns can give us than simply keeping the money in a savings account. The opportunity to diversify your portfolio and spread your risk across different investments. The ability to build wealth over time through compounding returns. Investing spare money have the potential to generate passive income through dividends or interest payments. It can use also to achieve long term financial goals like saving for retirement or down payment on home. It can be use to invest also in crypto currency but with your thorough research and knowledge about crypto currencies.

What you are talking about is the benefits of investing. It has nothing to do with using idle money to invest that OP mentioned. Because investing will not guarantee that we will be profitable but also comes with risks, so we must use idle, cold money to invest. If we spend money on essentials to invest and our investment loses. It will make us fall into deadlocks and dead ends of life. That's why we have a saying, you should only invest as much as you can afford to lose.

It is better to invest your money than let it sleep in your wallet or under your bed, which is really your point, but it seems true, but it doesn't mean that you now invest it immediately as you are only thinking that it will gain profit than putting it in our own. You should be aware that there are risks involved, so it is best to know if you are willing to invest it and if it loses, are you okay with it? The point is to invest only what you can afford to lose; if you want to risk your idle money, then invest as long as you are aware of all risks.

The OP is talking more than just trading mate, trading is not investing, and also Demo account experience is different from the real trading experience, using Demo account for trading will make you feel like you've know trading, you will think it's that easy until you give the real thing a try and you will be shocked of what to come, you need to know how to read chart and you have to come up with your own ways (strategy) before you start getting the best out of trading.

Do not stopped on using spare money only, make sure you develop a cautious habit on any projects you want to invest your spare money into, make sure they are projects that have good team and are working nonstop in this bear market, you can know which project will survive just by following their activities on their Twitter account.

using reserve money to invest is to avoid panic, if you look at the risks it's still the same but there are some things that are more profitable if you use reserve money.
and the advice that it is better to invest than to save money has a point, even though it is full of risks but it is quite worth it with all the possible benefits that will be obtained.

Before we start a job, we have to learn all the details of that job. Since Bitcoin is about money, it may be a mistake to set out with the trial and error method. That's why it's important to learn every detail that might be useful to us first. While investing, we should trade with an amount that will not hurt us if we lose. Later, this amount is already increasing because we have learned all the details.

In a company or business, financial records are needed that are more measurable, so that you can track sources of expenses and income for the business that you are running and it is mandatory for these financial records to be made and it is almost impossible for a company or business person not to make these financial records.

The point is that everything related to money will come when you experience losses and this includes when you invest in crypto, but what you need to think about is how to minimize the impact of these losses. Putting money in bitcoins is a much more precise move and you are already trying to avoid unnecessary losses by waiting for the right time and not panicking when the market corrects badly.

That's a more reasonable suggestion and beginners should really learn about minimizing risk before investing. Learning about investing can be adjusted with small capital first slowly and when experience has matured then try to invest bigger than before.

Investments are getting more and more common in everyone's life because of inflation and financial burdens everyone's having so if you have spare money you should use it in some fruitful way rather than saving it.
Savings are becoming vague with passage of time due to continously increasing inflation and unfortunately the money you save remain as it is instead of becoming more .
So Investment is a must for now .

Doesn't make his investment any worse. Real estate is a pretty solid and safe investment with a good amount of profit considering its risks. It's not gonna take that long and your friend will get tenants especially as we're having a massive housing crisis right now, but at the same time it's a little inopportune too since in some countries the housing bubble is already collapsing, with the pressure being put on the US as days pass by, and as more and more renters find themselves being exploited by their landowners. In any case, no matter the day or the period it's still a pretty good investment. Good for you for raking in profits as early as now but the connotation that you're trying to put out here, as if to say that bitcoin's better than real estate is a little stupid in my opinion.

You're right, nobody likes experiencing losses in business, investments, or trades. It's important to invest wisely and not risk more than you can afford to lose. Start with small amounts and learn about risk management before diving in, especially if you're new to investing. It's better to be well-prepared and knowledgeable to minimize potential losses.

Yup, using your spare money when starting this kind of investment is important as time passed by. You'll start enhancing your knowledge
and from that point, you can decide whether to add more or stay with how you spare out your savings to invest.

It's important that you have all the knowledge before taking a much bigger risk. It can prevent you from losing a lot if you what you are doing while inside
the trading market.

Spare money which you can let go might help you to understand and to know how risky but also have a good potential to earn from this industry.

The main reason for spare money to invest is, of course, security issues, many people regret losing when they only focus on one type of investment, the mistake that often occurs is that many people think that by putting money in one type of investment, they will become rich in a short time, and this is what makes when a problem occurs, they lose money.

The only good thing about using spare money is we feel less worried if our money is gone, unlike the feeling when our hard-earned money is lost.
Like a story of mine, I put 75% of my salary to a certain investment and I tried to become thrifty because of the said purpose but after all, I was really in regrets for not getting any of it as ROI, totally busted from a friend who promises to help me but not. Maybe if that amount is only 25% of my salary, I couldn't really such hurt and disappointed but it was a huge portion that was really hard to accept.

Because in investing we do not know whether the benefits we will get or losses so for those of us who have mediocre money in everyday life then invest very carefully for fear of losses and we have no other money to buy needs, if we already have spare money then all the money we can invest and we have no big pressure so that we can survive until we can feel big profits, So in this case everyone wants to get a profit but not everyone will be ready to bear every risk.

the fact is that it is a very good decision, but people are sometimes willing to take risks to get big and instant profits. they are willing to use their main money in investing, some even dare to seek loans for it.
Well, it's not wrong if they really want to take the risk, because there's so much evidence that it's also a good decision. however, quite a lot of people fail because of it. Therefore, it is highly recommended to use money that doesn't make you hypertensive or maybe special money to invest so that when you find a risk, you don't think about it too much because you are ready for it.

it is true that taking potential profits from investments is indeed better than saving money in a savings account, but remember that there is also a risk of loss, and in investing all possibilities will be balanced with all risks.
to invest in Crypto is indeed better by using reserve money, to avoid panic when price corrections occur and more flexibility without any pressure to wait for the right time to take maximum profits.
I realize there are many advantages to getting when investing in Crypto with savings or money that is not used or needed for a certain period of time, maybe when we see Crypto market movements this will be understood.

When it comes to investments, including Bitcoin, it is crucial to exercise caution and make informed decisions. Investing small amounts of money or learning about risk management are indeed wise approaches, especially for beginners. By starting with smaller investments, you can gain experience and learn about the market dynamics without risking significant amounts of capital.

Basically, it is a good thing that you use your capital on time and invest it in trading. First of all, when you invest your own capital ( NOT  BORROWED) in business, you don’t have to worry about profit and loss. But it depends on your skill, abilities and risk management towards the market by following the trading principles.
   Because today is the era of internet and technology is developing. Therefore, we should focus our attention on digital trading as well. Furthermore, It is a good decision that instead of keeping your capital safe in one place, invest your spare money in trading so that you get some profit from it instead of its devaluation

In investing spare money is something we really need because to reduce the burden when there is a problem and not follow us to continue every business we are running, if the capital we have is limited then it is very difficult to try to invest for fear of loss and loss of assets that we have because there is nothing else for us to hold, But some people are desperate to invest without any spare money but they can also make money because they have confidence and are ready to face every risk that exists.

Undoubtedly, it is better to use extra money in investments.  By extra money we mean money that we don't really need in our life. That is, if for some reason those moneys are lost from our life, then the money that does not affect our life is called excess money. 

Investments involve financial risk. And we have to invest with the acceptance that our money is at risk. If for some reason there is a lot of volatility in the market and a large amount of money is lost from our invested money, then it is basically said to invest with extra money so that the lost money does not have any bad effect on our life.

Exactly, even a small amount of losses of money in investment is not good especially to people who really doesn't afford to lose money despite the fact it's "spare" cause we all know people doesn't like the feeling of losing something they own.

Investing in a volatile system of course has their risk so you should always make it count the times you invest cuz for sure even you have the knowledge you've studied in investment still you'll lose some funds. Learn from it and build up your mental and decision making which is really need in this industry.

There are things that make us always have to be vigilant when saving money in one place, economic conditions are increasingly difficult and make us always have to be smart in placing money, don't put in one type of investment because if there is a problem then we will cry, cryptocurrencies are a good thing and we deserve to make alternative income.

I guess everyone needs their money in their life, only for those who really very rich don't need their money. Rather than saying we don't need that money so we can invest in something I guess we can use a little percent of our income to invest since lots of people don't have a big income out there. And make sure that a few percent of our income is money that we can afford to lose but that doesn't mean we don't need it since we should be grateful for that money and use it very carefully by learning the investment or researching the project.

Therefore, there has always been no investment without risk, but everything has risk and it never goes away. So what is needed in investment is a wise choice that we allocate money if it grows.

       That's why it's always important to do your own research first before entering into an investment decision, and what you say is also correct that risk management should also be prepared so that we know what to do in the end.

Proper management certainly will not make people who make investments lose their assets and this will not happen again and again when they are able to manage as well as possible, maybe one of the reasons they are from that part and lack of knowledge about investment, we By realizing and anticipating this, I think the loss rate will decrease.

To be honest, many people use small money to invest, and the first step that should be used is to do research when they want to enter the market, and here maybe you will choose small money or large capital.

Potential for Growth,Building Wealth,Beating Inflation,Diversification,Retirement Planning,Funding Goals and Dreams.
that why we should spare our money to invest.

Not really, it's not even recommended to use reserve money while you don't have a stable income.

Back to before I got involved in the crypto space, I thought the term "investment" was something that only high-income people could talk about and do. Although in the end I can't deny that the presence of bitcoin really allows anyone to invest even on a small scale and indirectly removes the opportunity limits of people from various economic strata, it still can't change the fact that investing will carry risks that most can be handled when you have at least a secure financial condition.

The size of the investment budget is not the main problem in investing, even if management and planning are done carefully, even a small budget can become big. Utilization of time and the right strategy will encourage investors to successfully develop the potential profits they can get from price volatility. That is, the budget is mandatory but the potential profit only depends on how you manage the budget.

I keep a record of all the embezzlement in the family, and this allows me to understand how much free funds I will have in the future. This is the money I can invest, because my family will not suffer if I lose this money. We'll still buy our own food, pay for the apartment and the mortgage. And whenever I invest this free money in trading or risky cryptocurrencies, I mentally say goodbye to them. These are the basics of financial literacy.
It is a pity that it is not taught in schools, preferring a lot of useless subjects.

Even if you use small funds to invest or trade coins, you have also done market research but who can guarantee that market research from your analysis will be correct, there is no proper research in the market so they buy prices lower than the current price in anticipation of high losses , so make sure you manage your finances well and only invest funds that have been prepared for long-term investment even though the allocation of investment funds is low.

Yes that's right. So if we talk about investment, of course, our income must be greater than expenses, meaning that there are indeed more funds that can be invested. the key is not to use mediocre money to invest, especially with debt because if we are already using debt, it means that it is not an investment, actually the aspect is more speculative, the first short term is too risky.

if you want to invest, we have to talk about financial conditions that must be healthy first, of course, income must be greater, indeed, there are already emergency funds set aside. then also other things that are already available in advance including protection. The rest we can make spare money. The meaning of reserve money is settling money that is owned in the long term, this money is not used for living needs for at least the next five years. The suggestion is, create a scenario where you get a salary at the beginning of each month, you are used to setting aside funds for savings every month, you place the remaining funds at the end of the month in an investment instrument because you think these funds will not be used, that is reserve money.

what I am doing now is gradually buying land for old age investment because land investment will not lose and grow rapidly. it all depends on the investment finance management that we need to be able to produce, I always use crypto investment income for various budget needs. the older we get, we have to be wise in managing money to avoid what we don't want before it's too late

There are many field we can invest our money that would yield some profits if we are ready to take the risk which is something that many people are not always ready to take because of the risk that could be involve. It is good for us to use our money to do some certain things just for us to have a better future for the generations that are yet to come so things might continue in the way it as used to be.

The primary reason for investing the spare money into different investments is to lower the risk as well as doesn't affect of daily life.

When the spare money is used it is possible to increase the number of income streams. When we spend from our daily need we will be in a situation to sacrifice something.

Some people used to invest borrowing and it used to land them into debts. The market doesn't move as we wish, and when it doesn't favour the loss will be big. Here the debt once again gets doubled. Maybe few gets lucky in such kind of investment.

Whenever we prefer investment, the focus should be long term as well as on gradually growing assets and not the one that bounce and gets dragged.

Wrong mate on that part because in bitcoin you only need to trust the system that mostly taken years to recover as we have seen many times before.
though the idea is not need to be wise but to be trusting and of course risking , as we knew it will come in time mate.
I support your belief and knows that there are more bigger to come .
some hates to wait and that is the reason why many of them becomes loser in bitcoin.
when you are newbie there is no reason why we need to be invest high amount mate because you will surely become another discouraged user.
Indeed , Diversification is the best reason why we need to be safer because we cannot just trust a basket to be filled with all our eggs .

Investing spare money is a smart financial decision that can help us grow our wealth over time. While it may be tempting to spend the extra cash on non essential things, investing can provide long term benefits outweigh short term gains. By investing we can potentially earn higher returns than we would with a savings account. Investing can help us also diversify our investments and we can learn how to manage risk, as diversifying our investments to different assets it can help us to avoid losses. Investing can help achieve our financial goals, whether thats saving for retirement, buying a home or starting a business. Investing regularly even in small amount we can benefit from the compounding effect of returns over time. Investing spare money is a wise choice that can help us build wealth and achieve our financial goals.

because it affects our emotions when making decisions. for example, we use the main money in investing, we definitely use the money for purposes as usual, but when we use it for investment we must immediately withdraw it even before making a decision to buy we have planned how our investment can get a lot of profit in a short time actually what happened was the opposite.

if using borrowed money or money for daily needs it will interfere with us in making investment decisions because our emotions are peaking at that time making us unable to think calmly about how we can take advantage of the emotional state at that time we need the money for daily life. prioritize using it for more important things, investing is a leisure job you can't rush it to get a lot of money.

You have made a perfect point, and almost no one cares and ignores it, having savings and idle money is not safe enough for us to invest. Let's say that we will invest with that idle money, and unfortunately, our investment fails. What will happen to our lives if we have no other source of income to make up for that loss? This is quite a serious situation because we have a lot of savings, but if we don't have a source of income and spend it, it will deplete quickly. Therefore, we should only invest when we have idle money, savings, and, most importantly, a stable source of income.

Well, that's the important point of all of this. The point of investing is not to make money quickly. But that is a kind of planting a tree that needs to be watered in order to grow and it takes a long time for the tree to bear fruit and bring us profit.

And it's not an investment if you expect quick profits. Maybe day trading is the one who can do that, namely get profits in a fast time. but still all of them can't use hot money. especially money for daily needs. because well as you said that it will affect our mind and psychological calm. so that any decisions taken may be ineffective because psychologically we are also not in good shape when using the money that should be for our daily needs. Then only use cold money for trading. and only use the money that we specifically set aside (leftovers) to invest.

Why would we invest the amount of loss we cannot bear?  Each of us should invest according to our specific ability. We have no ability to invest but only because of greed of money we invest by borrowing from others or taking loan from bank or by selling house then that investment will never bring us any benefit. Because if the market goes down due to market swings then the money that was invested by taking a loan or selling the house will be lost and I don't think anyone can accept this loss. So one should invest with that amount of money without which life will go well.

It seems very realistic but, using small money will be worth the expected results. Business is business and it highlights financial readiness especially in trading apart from advice for beginners. If someone is logged in and invests in this space, that thirst will just keep coming back and fueling you to buy more and this is where emotions arise and get out of control.

It is a better investment if you have a large enough amount to invest in real estate, as it is the most valuable asset. I agree with you, investing in the land will not lose, but it will not be profitable quickly, and it takes a long time to be profitable. That is also the reason many people who do not have much money and do not want to wait too long when investing in real estate have chosen cryptocurrencies and bitcoin.
In short, investing with idle money or borrowing money depends on each person's circumstances. But to succeed, we need to have a plan and a backup plan for every scenario.

We? Not we, but some people do so, and the possible reason why someone will invest what they can't afford to lose is because they totally lack some Bitcoin investment education. It's true that Bitcoin may not have any serious written or unwritten investment rules, but if someone truly understands the technology, they will know how to invest their funds in a way that it will not affect their financial life or put them in financial pressure to sell off when the market is red. So I guess that the number one reason why people invest an amount that can chock them up when the price is down is because they lack the knowledge to do so, followed by their greed to make a quick profit.


Is a typical risk to do so, but I have read in this forum and also witnessed a few cases outside the forum, where people borrowed to invest and got some profit at the end of their investment period, while in the other case, some people borrowed and sold some properties to invest and did not make any profit at the end, because they sold so quick. Some people are still in the process of holding the Bitcoin they bought with the loan they took. So, what I am just saying is that it profited some people but did not for others too.

Investments should be made with idle, surplus money that you can afford to lose without significant negative consequences for your financial situation. Using idle or unallocated money for essential expenses is a conservative approach to investing. In addition, it is also necessary to prioritize financial stability and security when considering investment because investment is always risky and there is no guarantee of profit. So remember the saying that investing is a long-term game and patience is key; you must take your risks, set realistic expectations, and make informed investment decisions based on research and thorough understanding.

Depends on the investment, even apple (which has tens of billions of dollars worth of cash) gets loans to build stuff. Because that means they have to pay less taxes, considering how big their investments are and how much investment they make, I think it is obvious to say that if they take out a loan that would make it a lot better for them for tax reasons, the tax they will pay drops higher than the interest rate they will pay on that loan.

That's just one example but basically it is obvious that if we do end up with anything that is big or small like that, I think it would be something that is profitable for all of us and should be considered as a good thing. I believe that we can have something like that made for all of us in a short while if we figure out how to.

Good point, taking steps in investing should be accompanied by good knowledge with line of business that you will going to involve yourself,
even it's an idle or spare money, consider it as a hard earned saving.

By doing your research gives you that good edge to anticipate the potential of your chosen assets. It's your good judgement that will lead you to success,

always find time to work with the industry that you'll going to invest, finding ways to grow your spare money will help you a lot
if you succeed in choosing the right and fit investment for you.

I have a dream in my old age not to be a burden on my children or generations and to have enough land for my old age activities, the lesson from my parents is to own this real estate, it is better to prepare it now before it arrives. yes, maybe now people's views are still normal, I'm sure from time to time there will be a large increase in the human population, making it difficult for land to adjust. and crypto will be an important material for my generation and continue for efficient ways to use, invest or save and other things

It may be more accurate to trade with demo accounts and learn the market. Everyone has an amount to risk. These risks increase over time. That's why you can't find out how much you're really risking before you enter the market. Sometimes risk management is learned by making a loss in the market. It is important that these damages do not cause major damage.

If you are very novice, you can get information about the market by watching someone else. In this way, you can learn market mechanics without any loss.

Using idle money to invest will make you feel less anxious than using money every day or borrowing because, even if you lose it, you still have the money you earn from work. But I encourage you to do it if you are unsure of your knowledge of this market. While you may be comfortable losing that investment, it's a waste of money. Instead, it is better to do some research before spending a small amount or maybe using the beginner coins at some exchanges.

It's important to educate ourselves first about the investment that we'll be entering in. This is to have a better understanding and that includes risk management and the amount of capital to use. Because if you have idea on the nature of what you're getting into, you'll know the best thing to do in order to minimize the possibility of facing losses.

It doesn't matter if the progress is slow as long as you're doing it right (trying demo, using small capital and learning through experience). Because if you already have deeper knowledge then chances to gain are getting bigger since you already know the do's and don'ts to avoid losses when you invest your money. Of course using spare money is always better, even you didn't profit it's not hard to accept it since the money you use is the amount that you can live without.

You hit the nail on the head about the importance of educating oneself before diving headfirst into the ocean of investment. I'm 100% on board with that, just like I'm 100% sure that pizza is the best food ever. Knowledge and risk management go hand in hand like peanut butter and jelly. The more we know, the better we can navigate the tumultuous waves of the financial sea.

However, I'd play the skeptic card here and argue that not all experiences are good teachers. You might lose half your capital in a risky trade and learn a valuable lesson, but hey, you've still lost half your capital. It's like learning not to touch a hot stove by burning your hand - sure, you've learned something, but at what cost?

It's indeed tempting to throw caution to the wind and use more than just spare money when the promise of big gains is dangling in front of us like a shiny lure. But like you said, keeping investments within our risk tolerance is crucial. It's like ordering dessert - you might really want that extra slice of cheesecake, but can your waistline afford it?

In any investment or even gambling, it is best to use your spare money which is different from your savings and your emergency money since anythinf can happen and you will just think of that money as for entertainment purpose only. That means it is the amount in which intended for throwing, it also means if that amount lost, you won't have a hard time accepting such losses.

One thing I commonly noticed about investment and gambling is that, people used to expect too much out of it. That also means the thing called "EXPECTATION", is the one responsible why people always be tempted to greed.

Volatility can create profit opportunities if you want to invest in Cryptocurrency, if you want to invest in Bitcoin, you must manage your finances wisely. That is the reason why you must use money you can afford to lose or your investment portfolio must be diversified. Normally loss in business, career and investment is a valuable lesson for mental formation to achieve success.
It takes patience to win, that's why it's so important to manage risk, you have to set aside some money for your personal needs or to pay for your daily needs. If a position moves against the tide, you still have some spare cash to fund investment if needed.

The answer is extremely simple:
1. Money lying around without movement loses its value.
2. Investments are an opportunity to receive additional income in the future, which may be much higher than pension and social benefits.
3. Your investments are new companies, new workplaces, more taxes in the state budget

Investments are the development of both the economy and the strengthening of your financial position in the future!

The main step before investing is to fulfill daily living needs, so if it's safe, then we look at our savings as a backup if something happens so we can move quickly to handle it. after that, if both have been fulfilled, we can budget funds for investment, these funds are truly idle funds, which need to be developed rather than losing value if stored, because of the growth rate of inflation from time to time. This way of thinking aims so that in investing we can be calm in facing obstacles as long as fluctuations occur

We use spare money to invest into crypto because

1. Crypto is a risky investment, and it's highly volatile.

2. We can lose access to the assets because of hacks or our mistakes.

3. Something bad can happen to any crypto project at any time.

Everything crypto is too risky to be fully comfortable about, that's why using spare money is the best way to handle crypto investment, some people are out of crypto today because of the risks.

Most people agree with OP's point and what OP said is absolutely true. But I really doubt that too many people will do that because we all have greed, and everyone wants to get rich quickly. I still believe many people are supporting the OP, but they are doing the opposite, they are still using their savings and emergency money to invest in bitcoin because they crave wealth. To be honest, to do that is not easy at all, it seems easy to say, but escaping the temptation of money is very difficult.

It's very simple, if the money is just lies in a safe, then they will lose their purchasing power, this is the worst option that you can choose for your capital.

Investing makes it possible to increase capital and achieve financial independence, probably everyone would like to achieve this, but this will not happen if the money just lies in a safe. Of course, to make successful investments, you need certain knowledge, but no one said that this would be easy to achieve, you need to work hard to achieve wealth.

It is sad truth that millions of people are working towards saving money to buy unnecessary things like 100s of clothes/dresses. 50s shoes etc. They can't realize they could buy their future life if they use their savings towards investments. Many stock markets are in very cheap prices right now around the world. Bitcoin is also fairly cheap in my opinion. Why would someone save money to not use it at all? People should not worry about potential losses through investment. You can have new lessons anytime you waste money.

We are in the same crypto community but of course everyone is not the same in investment knowledge, there are some impulses that make people use savings money out of greed to get high profits from the hype of coins that are currently popular, they are not aware of the market situation of hits and run from new altcoins and they are very easily swayed by group signals and other people's speculations.

Under no circumstances ever use savings or emergency funds for crypto investments, do not follow speculation / other signals to buy coins at a certain price. The solution should be to use dedicated funds for long-term investments and improve your skills to do research and analysis to prioritize options for top coin lists, especially BTC for high profits in the future.

I totally agree if you are planning to invest with this kind of market industry, it's good to make sure that you are aware that heavy volatility can hurt your money, using your savings out of greediness might lead you to lose a lot, better to use spare that you can hold for longer time. Certain amount that you are willing to forget if the market is not favoring your side, or if you are willing to maximize the benefits, having that kind of spare will allow you to make decent profits if the market will have a strong bull that bring another new ATH.

Because we must plan for the possibility that something can go wrong throughout the investment. Investors must be properly managed in terms of both funds and risk. Therefore, managing money is crucial to making and ensuring that we establish the proper investment and quantity, regardless of the things we are investing in. Therefore, even though there are hazards, we can at least reduce them and be prepared for any problems that may arise.

In the end, those who are often swayed by signals from any group or other people's speculations or even from the hit and run of new altcoins will realize that they have chosen the wrong path to make quick profits. Because people like that will be more easily used by any project team to vent their lust through buying coins in large quantities so that they forget to do research on what they are buying. And I don't think there's any need to worry about that kind of person because in the end he too will realize for himself what they have done.

I also agree with this point because an emergency fund is for sudden needs in life, not to vent greed in investing. Because investments can be made at any time with special funds that have been prepared in advance and that can also provide a small profit for the investor. The advantage is that he can survive when the assets he invests experience a price decline in the market which does not have to make him panic and sell his assets at low prices.

That's somehow normal in this world, after all, we are just humans who are bound to make mistakes. I'd say that let them make some mistakes in their life so that they will learn, it might be an expensive one though but it is what it is, there will no experience and lessons if there are no mistakes as we cannot just grow from reading alone and reflecting from other people's mistakes. It's still best if we are the ones who will experience it so that we know what's the feeling, and by that time, you will not want to be in the same situation again.

One of the reasons you should use reserve money to invest is because all investment assets have a risk of falling in price. It would be very wise to use reserve money for investment because it is not yet known whether this money will be used for any purpose. Early anticipation is needed before deciding to invest, using cold money for investment can reduce panic, stress or depression if the value of your investment suddenly decreases in value or even disappears due to a significant price drop.
Of course all normal being don't like the name of losing in an investment, but any investment media has a risk of loss. It is necessary to do thorough research before investing, let alone known Cryptocurrency investments are like a double edged sword.

I think it is natural for individuals to choose to avoid losses in business, career, investing, and trading. This is why many of the companies implement financial policies to track investment and profit flows. Similar to any other business, Bitcoin can experience gains and losses. Well, this is where it is important to invest wisely and only use funds that you can afford to lose without negative consequences for your well-being.

To play safe we must invest our spare cash, but if a person is accurate enough to observe the market and realize that it'll pump to a certain amount and yeild them profits they can invest more than their spare cash and wait for results. Though, it's risky but the higher the stake the bigger the profit, thats what ww should consider as well. Hence, the person that took the most risk will profit or loss more than the person who invested just his spare cash.

Sometimes people think that all others currencies are more risky than bitcoin but I think that bitcoin itself is very risky because not everyone is master of taking good decision. Small amount is good idea but sometimes people put more and more money into bitcoin after which when they need it they cannot sell it or wait more because they need to fulfil their requirements as well as to earn money through bitcoin investment. Therefore it will be better for all crypto investors or traders to just use little amount of money because if you select large sum so this greediness will destroy all your income.

Using small money is still part of the risk management strategy. Is it not? So use small money to "taste the waters" before going all in.  Basically, you have to invest in accordance with first your financial goals and second with you level of knowledge about bitcoin. Bitcoin still remains a highly volatile asset and even though you stand to profit massively from its investment in the long run, there is also a chance that you could lose all you've have. Worst than using spare money is borrowed money don't even think about it unless you have thought it through and through.

Your decision on how much money to invest should be based on how much you can afford to lose. We must be certain that we understand how to manage and deal with the risks associated with the investment we would make.
To avoid future regrets, we must be firm in our investment choices. We must be clear about our long-term objective before investing, and if we have great expectations for achieving our target profit, I believe it would be prudent to set aside enough money for it. We must ensure that we are setting aside a portion of our income for investments because we all know how important they are to our future.

The spare money you're talking about is it your savings or just idle money, if is the latter, I will use it because in the next 3 years that same money will be the same in face value but may have diminished in potential value, after three years of investing such money in bitcoin I know I will have a good investment.

Indeed, you got it all right... This thing called greed (some people also call it risk) is actually what has taken most of us this far. Spending your spare money is just a financial advice that one should adhere to if they don't want to face a breakdown when something happens to their investment, but my question is, is there anything anymore that is considered a waste? Because the amount is small, it won't be painful when one loses it.

In as much as we want to get greedy and take the risk of investing more than we can afford to lose because we all crave a higher profit, we should also apply caution when doing it. Let's all not be too greedy and learn how to control our greed before it controls us.

Not a mandatory but would be helpful if you are having the desire to make it big than to just leave it resting on your wallet or banks. It could even also give you the opportunity to leave your job if if ever it would be a profitable investment. But this is not a requirement, just an option. Some people are fine with just saving their money for a long period of time.What's pyshing away some people from this idea is the risk of losing. Not all people could afford this possibility which is why they are choosing to just secure their money even if its face value would be the same. On the other hand, downside of just daving is for the money to end up just being spent and to not be bigger for years unless you'd add up an amount from your salary.

Before investing you must remember that you should invest the amount of money you can afford to lose. Many have made huge amounts of money by investing and many have wasted their lives by investing. So you must consider all aspects before doing this risky business. I can say from my own experience that I invest when the price of Bitcoin drops from $69k to $40k. I invested expecting a lot of profit but instead of profit I got a lot of loss. But I'm not complicating my loss and I'm not taking any extra stress. I would say to the newbies that before investing one must see all the intricacies of investment and then invest. Because after making an investment, if there is a loss in that investment, it cannot be broken.

If we can wait a few years to invest then it will be better for us. Because if we invest in bitcoin now we will get profit so we have to wait for a few years after investing. If we can invest in bitcoin now then the price of bitcoin will increase several times after few years.Then we will have a good amount of profit. I think this is the right time for us to invest.

Indeed, there is really a potential profit in investing into bitcoin but we should always consider our financial capability and soundness so that the money that we will be investing is the one you really afford to lose which means that this does not in any way affects your finances when something goes wrong or bad with it. Also, investing and not getting greedy with it is also important since you should set a target profit and price so that you can expect a guaranteed profit with it. You should learn to control yourself and your emotions so that you can really make wise decisions to get profit with your investment.

That's right, any investment cannot always make a profit, sometimes more precisely there is always an article about losses.

What worries me more is that most people don't really understand what inflation and deflation are. So they think saving fiat money has made them avoid losses. They do not realize that every year the money they save experiences depreciation in value. Unfortunately they are not aware of this. They still think that as long as the amount of money they save doesn't decrease, it means they don't experience a loss. but that is a wrong assumption. they misunderstand and do not realize that even though the amount of money they have remains the same, the value of the currency they hold actually continues to decrease in value.

Due to the lack of knowledge about this, of course they think that investing is a more risky thing for them. Even though saving money, it is certain that they will experience losses due to depreciation in value. Meanwhile, in investing, they have the opportunity to make a profit if their investment assets increase from year to year. An example of investing in Bitcoin. if we invest 10 years ago then the value now has grown tremendously. and if we invest in land then 10 years later the price of the land will also increase. although not too high and fast. but the value of land prices continues to increase from time to time.

Investing using reserve money is not wrong. everyone has their own rights. But in a situation like today, people tend to want to get a lot of profit immediately, even though they already know the risk is high. Because people who really need money want to have a lot of money soon.

But I think investing with spare money or investing with less money is safer and the risk is not too high. It's just that in investing should not be too greedy.

Obviously, yes.

I mean, it's not smart to invest one time big time on something that you still 100% doesn't know. Spare money is good to invest because rather than spending it on something that is not that important, invest it in Bitcoin. Holding cold cash for me isn't really a good idea, like big cash, since it doesn't make profits or anything at all, it might get steal by someone in a worst case scenario.

Everyone has a different lifestyle, you can't expect everyone to invest and not buy any necessities. If that happens, it will be even worse for our world. Without the consumers of those products, companies, factories, and workers would be unemployed and with worse consequences than not investing. Furthermore, investment is not always profitable. So many people don't like to invest and they like to enjoy their life. We invest because we don't have a high paying job, but many people make tens of thousands of dollars a month, I think they don't need to invest they still have a bright future.

Money is important and there will always be an allocated use for it even if not today. There must also be money which are only dedicated for bitcoin investing. If you say money which are lost in our life, it means the money is already spend out. Any thing that we do or use with our money do always has an impact in our life and that impact can be small or big.

If there is a lot of fluctuations in the market, it doesn't mean the price can quickly rise or fall so we can't technically lose our funds. We just need to wait for the price to be stable and head in an upward direction in order to take home a profit. A loss of money is painful but it's better to move on and try to be better next time.

Starting with tiny investments allows you to test the waters without putting your finances at danger. It's a wise strategy, especially for newcomers. By starting with little sums, you may learn from your mistakes, make corrections, and gradually build up your investing portfolio over time. When investing, it is critical to have reasonable expectations. While gains are conceivable, it is also crucial to recognize that losses are a possibility. Unrealistic promises or market hype should be avoided since they might lead to irrational actions and increased risk exposure.

When investing money in this cryptocurrency market, you have to accept the willingness to hold for a long time and take the risk, as the market fluctuates every day. Accepting such trade-offs even though we know that we are always at risk at any time So using idle money to invest will be the right choice, as it is a prudent approach and avoids evaporating your assets. Also, setting realistic profit targets and paying attention to market cycles can help you make more informed choices.

Many people don't invest because they don't want to risk something; it doesn't mean that if you invest, you can't enjoy your life. Those people who decide not to invest in something have their own reasons, and those who invest, their main reason is to profit. Also,  all people, no matter if you don't have a high-paying job or have one, can invest in it because that is the time that you could be financially free and could set up a business on your own.

It is advised to always use your spare cash which you can afford to loss  because of the volatility of the  Crypto market. It's up and down movement are just unpredictable for someone who invest all they have fir profit sake. To avoid hypertension and blood pressure avoid using your salary or your funds which is of good importance to you for Crypto investment. Only use your spare cash so you do not urn into loss.

Everything should really be that well planned and you cant really just have that kind of all in kind of approach whenever you do make or find yourself do see about investment on which it is really that very wrong.

Come into our minds that we do have other priorities as well in life on which it isnt really just always something that talks about investment but rather into those day to day expenses on which if ever we do have the

money then it is really just that right that you should really be needing to budget on because if not then you would really be able to mishandle out your finances which might in result into non good things later on.
This is why you should really be that sensible in towards your spending and budget allocation whether on an investment or whatsoever you are dealing with.
We know that investment does carry that risks which it would be normal on having that kind of approach that you should really be that careful and realizing about on how to deal with it.

It is obvious that the effect of investment failure will not be that huge if we are investing our free money but I believe that the risk won't change.  About being greedy, it should be controlled.  Once the price hit our target sell price, we must follow the plan and don't get greedy by waiting for the price to go up higher since there are lots of traders burned doing this kind of greediness.



No matter what their reason is, it is still better to have an investment of one or two.  If successful, the investment might change one's life.

I believe that this is the ideal action for us to do while investing in bitcoin or other cryptocurrencies, as well as other investments. Invest only the amount of money you can afford to lose. However, I personally recommend that new investors learn risk management first because it will greatly assist them in understanding the environment in which they placed their money. This will help them maintain interest even if they initially fail. Before we attempt to make any attempt to invest, knowledge is a crucial factor that we must constantly take into consideration, because many  people who are always worried about the money they invested are set of people that lack the necessary knowledge where invested their money.if someone have good knowledge of what he/she want to invest in, invested huge amounts of money will not a problem or worry after he/she invested.

Things like that obviously have to be used in the world of business or any investment, including in bitcoin as well. Because managing finances is one of the main steps in running a business or investment. Because as you wrote, everyone definitely doesn't want a loss in the business or investment they are running. So it's clear, these points already contain points that are compelling to everyone who wants to run a business or investment, so that they learn how to do business or invest in order to get a profit. Like taking the example of investing in bitcoin. All experienced bitcoin investors must already know, that don't use hot money in their investments. Why is this not recommended in bitcoin investment. Because it is certain, if you use hot money in bitcoin investments, when losses are incurred, it will cause quite a lot of stress. That's not to say those who use cold money won't feel stressed when losses come their way. But at least it won't be as heavy, when you lose using hot money.

When you want to invest or trade in crypto, the best choice is to use cold money,
the risk is certainly big, namely loss, so we must be prepared for that,
the important thing is not to use money for daily needs for investment.

 It is a very smart idea to invest with your spare cash,
yeah because when you use your spare money to invest, It helps you be ready in case of an Emergency.
I.e when you use spare money and not all the money you have, it helps when financial situations you didn't plan for surfaces, you can use some money to solve the problem.

 It helps avoid risk of total loss, investment is a 50/50 project, when it comes to business you can't be 100% sure of only profit because some circumstances are not permanent.

 When you use spare money, it saves you from loosing alot of money, in such situations since it's spare money, it won't hurt as much as it would if you had invested a large amount of your savings and you will avoid being bankrupt.

 Using spare  cash to invest also helps you monitor the progress of the business you invested your money in and you would know whether it's worth more investment or not.

Crypto market price movements are very fast and difficult to predict, so that's why it's better to avoid using interested money for other needs and it's better to use reserve money because to avoid panic when prices drop and can wait longer to take profits.
the risk will remain the same, but the advantage we get from investing using reserve money is that we can wait longer for the right price.

Whatever money is used in investing, there will still be a loss if someone does not get a profit even though the basic capital is from reserve money that has been stored by someone for a long time. Because it doesn't mean that someone won't lose when using reserve money for investment, because someone also has to consider that as their capital too in order to be able to make a profit and when they don't get it, it means that they also have to be considered a loss in that case.

You also have to separate between investing and trading in crypto or whatever it is, because investing and trading are two different things so they cannot be considered the same. It is better to invest with savings or money that is kept for a long time and not used in the near future because investments are always better if they are carried out for a longer time or in other words, in the long term. As for trading, I think everyone can use any kind of money as long as they can take good care of it even though the target is the same, which is profit.

Investing more than the spare money is not really a problem,  what really matter is after investing a particular amount of money how long can you excise patience to wait for the investment to yield profit. Making good decisions and to have patience is what makes an investment to be productive.  People just need quick money, this is the major concern but they do not consider what it takes to have money from an investment.  You can still use your spare money to invest and the investment still becomes unproductive,  this happens when people lack patience,  and too desperate to make money.

Good point, it's your expectation and your understanding that can lead you to how you decide, if you can push and you are willing to take the chance there's always possibility, but make sure always that you are done with your DYOR and you really invest not just your money but more on your time to learn the deeper side of this investment venue.

Getting your point, it's a matter of how good your knowledge and how willing you are to go long in case if something is not right or not moving according to your favor.

It's how you take and embrace your expectation and anticipation if how will you manifest with your investment.

I am not this type. If I am having spare money then its gonna be spare money at any cost. If I utilize that money for the investments then it breaks the law of accounting for me. I mean its of no use if I am going to withdraw this money and keep losing (or possibly doubling) it because it would be either of the cases mentioned. What if I lose it? It will start creating a burden on myself and thus I would lose more and more in the future cases. This breaks down the expenses Vs Savings math and hence wont be good for me in long run.

If I am investing anything into the crypto for example, then it is going to be solid money which was intended for the same. This is how I was able to save lot of money in my wallet in the bitcoin form too. I did not invest or buy/sell it because it was savings and its growing slowly. So no doubt this formula works for me. :)

True, don't expect when we invest, the profits will come quickly,
investment is basically about how the process goes through and it takes time and patience,
they will realize if they try it for themselves.

I noticed the title doesn't quite match the content of the discussion, don't be offended that's just my personal view.

Everyone must have the right balance sheet and properly recorded when owning a business because this can see the development of the business that we run. Investments must also be based on how much you are prepared to lose, but regarding the financial record relationship it depends on how you make it, but mostly and I myself have never made bookkeeping of investments in bitcoin.

Investment is not seen from the amount, but how we can be involved consistently, small or large depending on how our financial condition is, so everyone has a different way of approaching investment. But the most important thing before we start is to learn the right way of investing, so that we can maximize any risk of price fluctuations that occur.

But risk management is also important to learn before starting to invest in bitcoin, we know how the risks will occur later so make sure it is understood and the reserve money you invest will be appropriate if you know how to manage it.

We have to spend only according to our needs and indeed it shouldn't be excessive because it will cause regret, in life we will need reserve money for urgent needs later including unexpected things or other maintenance costs that become routine every year.

But indeed, to store cash on a large scale, it's not good, thieves will come if they know, so store it in something safer, don't hold fiat in your hands, this is also a high risk. Meanwhile, investing in bitcoin will grow the value invested, so it is important for someone to start immediately now.

I prefer to say it's the money from the little bit we have each month.
Because with it I become more able to manage finances because it can be one of the budgets that can be prepared from the results of our income every month. I originally did that by reserving money from the unexpected budget to invest but increasingly I am becoming more and more liberated because I think that unexpected money like that is still quite needed even though in the end when a few months are not used it returns to savings and investment but it becomes erratic in the financial records that I have so in this case I try to change some strategies here.
I set aside about 10 to 15 percent of my total income every month just for the investment budget, the rest I divide for my savings, unexpected needs and daily needs so that with that I become a little more open and transparent about the amount of investment that I put in every month and of course this is quite important at least for me.

Yes, that's right, learn first what are the risks involved in investing, hone our skills because all of that has benefits because that minimizes our risk of loss in investment because investing is not just buying and waiting for prices to go up and then selling. we also have to study what assets we buy whether these assets have the potential to increase or decrease in the future

Reserve money or cold or free money is always recommended to use when investing because it helps us to control our emotions and greed. with spare money that we don't really need, at least we don't rush into making decisions to invest, buy, hold, sell whatever we do with that money. it will not disturb us in our daily needs. if the main money we use our emotions will be unstable when investing.

Your way is the best way and can manage money well to be able to channel it for important needs, in addition to prioritizing important needs also setting aside money for investment and savings is an excellent choice after your important needs are prioritized.
just like me, I always set aside a small portion of my salary income from work to invest and also to save every month, and the savings serve as a reserve fund when I need it without touching my investments.

But I'm talking about emergency savings and daily spending money, I'm not talking about idle money in the safe. Using cold money is very common, and there is no argument when we use it to invest instead of keeping it in a safe or a bank. But I don't believe many people will just invest with idle money like OP, and you say, because human greed is huge. I even know some people who always advise others not to borrow money to invest, but they quietly borrow money to invest behind everyone's back.

I like the way you manage finances, with investment at least our spare money is still there and can be used when needed, it's different if you have cash reserves or savings which can be withdrawn and spent at any time

yeah because it affects emotions when we really want to make a decision to buy, sell, hold, or long term investment. this really affects many things, not only your mentality, but also the assets you invest. even though at first you get a lot, by the way the emotion will run out quickly because crypto needs consistent profits. consistent profit generated from free money that is used only for investment.

Because indeed when we want something good then the planning from the beginning must also be good at least that's what I think and when I have more left over then there is nothing wrong with budgeting like this because indeed this can also clarify how much your capital is for investment in the end and of course with that we can know whether what we invested really produces or not.

Although there will certainly be some other views on this but it depends on the perspective of course considering that in this case I think this is the best way for me, rather than indeed I spend more money just for needs and hedon for my lifestyle then I prefer to set aside it as an investment budget.


This is the important point because when equalizing the reserve funds and being used as a whole in investment, indirectly when there is an unexpected need, we will be overwhelmed again by taking the budget from another place. at least by separating things like this I can be more comfortable with the investment that I do because it will not be disturbed when there is an urgent need that requires spending money because the reserve funds that we save are still in place and waiting to be used.

Yup, it's not all about buying low and just selling whenever prices are high to attain big profits in the selected field of investment. It may sound easy to do but it will be a big struggle especially for those who doesn't know the fundamentals about the reality of investing, knowledge is an integral part about investing so that you will not be overwhelmed whenever you come across such situations that will make you think twice. Even the so-called experts in the field are still making some mistakes, how much more if you don't have the knowledge and will just invest directly.

I agree with you, it is not just buying when it is low and selling it is high. We should learn fundamentals first such as know how to read charts, candlesticks and even just read some news and articles on Twitter, Bloomberg etc because it is also has an effect or early effect on the price of the coins we are supported to invest with. It is not only invest only the thing that you afford to lose but also we should teach and learn ourselves, we need growth in trading because as we all know market is uncertain and volatile.

Spending money on that things which are not necessary and which cannot gives you profit is not a good idea because it will end up one day but if a person save money in a useful thing which can not only save money but can also makes profit of it will be a useful act.

There will be huge profit if a person invest in bitcoin but before investment some key points should be kept in mind and by utilizing knowledge everyone can obtain results that will be ever fruitful. If someone use money on useless things then it will be better if someone use that money in Bitcoin therefore money will be continuously boosting.

There is no need telling people to save money to invest since a time will come when they will need money to solve problems and when they don't have money to use to solve there problems, they would have no option than to go borrowing form people around them. Many have made the worse mistake in life not to have investment they could rely on when they are broke. The wise people would always save for the time of winter when there may be no chance to plant and cultivate what they have sow. We invest in the time of surplus for a better time when we could need funds to settle problems.

The best thing when we want to be successful in investing is to use money that we can think of as lost, don't use money that will be used for needs, sell assets or go into debt, this will make us regret because the market is often unpredictable so bad things can happen. If we rely on crypto investment for the main income of course it will make us depressed.

Yes, and you need to be mentally prepared for whatever situation that will come while you are in this investment, without proper knowledge
you will be fearing with the market sway and it causes you to sell your money with huge losses from your initial capital.

Make sure that you know what you are doing and that's also one of the good reason why you should use spare money, as you can hold for long and you
can treat that as a possible loss and you won't be shaken.

You can continue to hold for much longer time as you are not worrying about the money that you use.

That's why most people always say that only invest what you canafford to lose, don't invest that you will regret in the end. So if you're just a beginner, the suggested thing you should buy Bitcoin and hold it for a few years, don't do short trading in bitcoin right away without knowing or having any idea about it. It's okay to buy Bitcoin while you're learning it as long as you hold in long-term.

This issues of investing the amount which you can afford to lose should not be neglected and should be treated as important when considering doing any investment that involves digital assets, a lot of newbies investors has fallen victim of these. Some investors don't usually get real gist in the first place and until they got screwed, as they say experience is the best teacher. Recently a friend of my called me that he wants to invest in Bitcoin, the first advice I gave him was to ensure he's using spare money that he's not gonna be needing in the next 1-2 years hence I'm not in with him, which means he can survive 1-2 years without needing this money.

Every person had a capacity to win in the business and to lose on the same business.To get some steady flow from the business,every one need their own strategy.All the trader should keep their records and note from the old price variations.Most of the people earning good money from the business or the cryptocurrency trading.But they need to increase the holding money by using the cryptocurrency trading technique.Holding in the cryptocurrency is the essential one.

Many knows this, but why they still do it? Emotion, greed, lack of analyzing skills, overconfidence, lack of knowledge? What is it? It is never a good idea to put all your money in one trade or any investment at all. The result is uncertain and not 100% guaranteed that you will make profit from it. So the risk is there and when you put all of your assets in one thing, when things go south, you are literally left with nothing. Also, one more thing I see now is that people take loans and put them all in investment and when they lose, the pressure to repay the debt is much worse than spending what you had. Why invest, which is not even yours in the first place?

Investment should only be made with those assets without which, your personal life will remain the same, and it won't affect your life at all. This is a topic that has been discussed many times in the past, but people still ignores it. So thanks to OP for making us remember this again.

Using small money is great to learn the basic and to get the grasp on trading about the strategy and what to do/not and as the time progresses, you can definitely increase your investment capital by a little until you are confident with the knowledge you have. But still make sure to use the money you can afford to lose and not with your main savings, greediness is evil and you can definitely get trapped by that if you are careless with your savings and management.

It's better to invest on a trade or a business which you know not more about with a spare money because you never cant tell what the outcome of the investment might turn out to be, if it falls or not...

I was introduced to a platform, an investment platform never new it was a scam even being advise by person, well I tried it by investing and I lost my money, hoping to get something. Well I interested a spare money doe. But I regretted it..

To that have heard about Bitcoin I think, and I most say is great and reliable

We should used a spare money on investing simply because we don't know what will be the out come of our investment, and it takes year to withdraw if there is profit on it, so if we use the money that is needed fro daily expenses there is a possibility that our investment plan will be cut off shortly instead of limiting our investment in 4 to 5 years we cut it into two years because we are in need, so i believe that it is an advantage that we use spare money than the needed money.

If traveling is a burden then running is not an option. If traveling is pleasure then treading is enough to be an option. I mean We have to be able to take a prudent approach in our finances, if indeed using money that we think we lost or we can let go if bad things happen. This helps reduce stress and anxiety levels associated with investing. that's why we need reserve money for investments whose nature there is no definite certainty when it goes up and when it goes down there is no guarantee that we will get the expected profit in the near future. If things don't go according to plan, we will have financial difficulties later.

What you have to remember is, the future is full of surprising things, especially in the field of business finance and economics, so everything returns to each other's personal and individual risks. Everyone has different views, different thoughts and different goals. Just do what is best for ourselves according to our thoughts and goals. What is certain is that INVESTMENT IS A MUST, But it must be with spare money.

Spare money when investment is important, never put money in one type of investment because it will make us regret when the investment loses even a scam, as investors we must always have financial security so that whatever happens we are not easily panicked.

That's why it's said don't risk everything in investing because of the big risks and also the future possibilities that we still can't know.
I really agree that when investing, you have to use reserve money that doesn't interfere with your life's needs, long waiting times and also when market prices decline, the possibility of panic is very small and that's something to avoid losses.
invest in anything, it is very important.

I really do not recommend using a backup money for investment, because it is quite dangerous, I think it's better we use the money that is intended to invest, basically a backup money is a fund for urgent or bad needs that might occur in our lives, and That's where the use of backup money, while if you put it in an investment, you might if you find a bad situation you will get a big problem, plus if your investment is not found, it will be far more dangerous because you will sell with a state of loss at the time That.
Reserve funds and investment funds must be separate for your financial health.

In other words, investment is the second step, you have earned income, with the term diversification you can get some of the income from income from the main work, and the reserve money needs to be prepared to anticipate the problem or to maintain if you get a problem.

We should also use our spare money to invest because it's makes it look more appropriate for our readiness for a start on what we are interested to invest and also help us value, monitor and appreciate what we have invested on, the worst decision is to borrow money and invest with it, if we didn't have spare money then we should go and work to earn money, there are many means we can go through getting a financial income to create a start up.

Investing excess or spare money is a good idea because investing could allow us to earn a higher return rather than keeping the money in a savings account. Investing can help us to diversify our portfolio and with that we can manage the risk. By investing in a variety of different assets we can spread the risk and it will reduce the impact of any individual investment who does not perform well. Investing can help you achieve long term financial goals such as retirement or purchasing house and lot. By investing over time we can build an amount of wealth that can be used to fund these goals.

One thing or event that we forget to note will confuse the direction of decision making. meaning we forget where the loss lies. The pattern of work is almost the same in terms of trading. If we are not careful and immediately trade in again and again out, it will automatically deduct the estimated value from the maker's point of view even though the value varies on one platform. Just as the saying goes if you remember you will survive. it may sound simple but it is a surefire way to put it into practice, just like financial record keeping.

The benefits of investing are many, and it can be said that investing is the fastest way for us to get rich. But besides the benefits, investing also comes with a lot of risks, which can make us lose if we invest in the wrong way. Investing is not easy, as many people say, and that's why everyone invests, but not too many are successful.

There's spare money that is small money and there are big monies that are also spare money. What if I have have small money that is not spare money since the risk is low I can still go ahead to invest in Bitcoin. Because it is small money and it is something I can afford to lose despite it not being spare money. If I have big money that is spare money but I cannot afford to lose all at once. The best way will be for me to divide the money into smaller sums/amounts and invest in Bitcoin a given time of my choice.

Make sure we don't immediately look at the benefits we will get, because that will make us psychologically disturbed and it is not very good in the process of learning everything in trading or investing. I also agree with that, we can use as little money as possible to study, not because we can't afford to spend a lot of money, but that's to reduce the risk when learning. Small money can help us not only in the process of understanding trading, but it can also help us to be more self-controlled and manage our finances well. Logically, when we think about using small money first, indirectly we have done good management of trading.

Spare money is always good be be on the safer side. In all aspects it is the education and the continuous learning that makes the spare money a good investment. Diversified investment used to be the best, at the beginning it is good to go with some sort of less risk asset. When it comes to cryptomarket, the preferred ones will be bitcoin and ethereum.

People must be more of acquiring knowledge, but the reality is different. People just have a thought of becoming rich in short term and just go for investment without learning or exploring much about the market. Some get to be lucky whereas the majority end up with disappointment.

On the time that you would really be thinking out too advance or you are already seeing on whats the future then it would really be creating that kind of expectation which it would really be resulting that desperation

which it is something that we should really be avoiding it out on the first place because having that desperation would really be resulting into those mistakes which is something that you would really be needing to remove out. Spare money? Its always been that suggestable on doing so because losing it up wont really be that hurtful unlike if you do make use of your savings or emergency funds because if you do really make use of that and on the time that you would be losing those amounts then recovery would really be that hard.

This is why only spent up the money which you can afford to lose whether on gambling or investment, because once you do lost up these amounts then it wont really be that much affecting your finances.
You have already sorted out those possible problems on using your life savings which it is really just that good for such purpose and dont make use of it on other means.

Well, that's why there's always the quote that we used to hear that only invest what you can afford to lose and that's the same as gambling.

And that's a real thing, there's a natural process for everything and it's hard to cope up with the reality when you're still far from even starting. Those that do understands the sad reality but are persevering their goals, they'll be the ones that someday will also be seen at the top and earn from their investments.

Investing spare money can help grow your wealth over time. By investing your money into assets that have the potential to increase in value, like stocks, real estate or even crypto currencies. You can earn a return on your investment that can outpace inflation and help you reach your financial goals faster. Investing can provide a source of passive income. Many investments can generate regular income without requiring ongoing work from you. Investing can help also in diversifying your portfolio and reduce the risk. By spreading your money in different investments you can reduce the impact of any investment on your overall portfolio. Investing can also provide financial security and peace of mine.

What I recommend to all my clients is that you run a month budget at least every year.  This is where you plug in all your monthly expenses (rent/mortgage/cell phone payments/tv payments/child care etc etc) and subtract that from you take home pay.  When you do a very in-depth budget, this will give you exactly how much extra money you have to sock away in to investments.

Here's a really great budget calculator that you can us-  https://www.empower.com/learning_center/calculators/managing-monthly-budget.shtml#/

Experience everything and grow with it, even failure always feels like a valuable lesson. There are different views on how to invest, but honestly I have always felt that it is not necessary, we know what we know, we will understand it within that limit, but also the fact that many investors If they invest only for their own benefit, it doesn't matter because when they are old enough, they will look back on that practice and make beneficial investments for others. More or less, it takes a start and persistence with what you have believed in.

While it is true that most of us are not financial advisers, but what we have learned about investment through our experience with crypto space, suggests that all type of investments carry some level of risk while Bitcoin is comparatively more risky as is extremely volatile. Surprisingly though, it remains subject of extensive discussions across various platforms of social media, that reflects notable interest among investors. Consequently, it is considered best asset for long term investment having potential to reward its investors with significant returns.

We commonly see this quote, something that will remind us about the money that we will going to stake when we start our journey towards investment, it's risk that we need to understand and we need to be ready when we decide to take our participation.


Correct. It's not an easy journey, but your willingness to seek or find the right ways to achieve goals. That is something that you can enjoy when you successfully travel the right path from your investment. When you already producing growth and making good numbers of winning results.

and also invest what we can afford to lose, because before, for sure, we were only thinking about the profit and not the possible losses. What is best about bitcoin is that in the past few years we have already seen that the price of bitcoin keeps increasing, which is a pattern that if we predict it will still continue rising over the years, but it doesn't mean that it doesn't dump, as there are years that it is in the red, but still, the overall value from its start is very far from now.

Spare money has no substitute when it comes to investment. Those who use Spare money to focus on investments will have stronger investments. There are some investors who invest with necessary money and in turn have to withdraw that money even though they have losses. But it is true that the importance of Spare money for investment is immense and the same time that investment in the same basket is risky. Agree with you that investment diversification is necessary to avoid risk.

Of course it will become a basic sentence about investment because basically investment in any way at risk of loss, the right word to say investing with money that you are willing to lose it, otherwise it will really hit yourself when forcing to invest with money that does not You can get rid of.
I found several people who invested but they had a bad foundation, they used the money he still needed at close range for everyday, and when the loss approached them, they were prustied and could be said to be stressed people.


There is always a wrong when reading the graphics of increasing Bitcoin prices, there are some people who see the overall increase in Bitcoin prices, but he forgets that in investing in bitcoin not that fast, there is a pretty terrible trip in every Bitcoin price phase, especially if we often pay attention to prices In Bitcoin every day/week, it will put mental pressure when the price of Bitcoin plunged down.
I agree that the price of Bitcoin continues to increase, and that is what makes many people very interested in investing in Bitcoin, but if you use money that you cannot lose it, it will be a stupid decision in my opinion.

For an intelligent investor in the use of reserve funds also must have the arrangement in managing it and not all reserve funds are focused on investment.

basically, if investing, then use the reserve money that we have, or the savings that we save with the aim of investing. That's because investment is something that is uncertain in the future. we don't know whether the investment we are currently making is really making us profit, or maybe it can make us lose the value of what we are investing, and this applies to all types of investments.
Maybe there are so many people who dare to take risks by using their principal money to invest, especially in bitcoin. Many of them managed to get hundreds to thousands of percent profit. however, those who take risks without analyzing the situation sometimes fall at heavy losses. So, very many people suggest investing only using reserve money so that when we take risks from the investments we make, we don't really feel a loss or it doesn't have an effect on our main things.

That's right, the point is to avoid things that are unwanted and don't have a big impact on the lives we are living.
Especially if investing in crypto, I think it will be very risky if you don't rely on reserve money, fast movements allow for panic and wrong decisions, actually in other investments the same is true.
There are many positive things that can be taken by investing using reserve money, I think no one disputes this.

That should be the case and should be practice in any kind of investments available because sometimes investing will not guarantee profit and risk is still be the main player of it. That's why we should only invest of what spare and extra money we have in investments especially on crypto which is a very volatile industry.

It even risky to invest with all the savings we have. If anything should go wrong while investing all the savings it means nothing will be left it. The proper way to invest out from the savings we have is to  invest with the amount we know we can afford to lose, this will really help in managing risk and not to lose everything because investing can never be predicted .

Trying to play safe in investing is not just investing with reserve money, but to get to know which amount of money from the savings will be good for investing even if several losses happens while investing .

This is a very accurate information because many people prefer to use their savings or existing money instead of using money they do not actually need when investing. This naturally causes the investment risk to increase more because no-one knows that their investments will provide a return in the short, medium or long term. Naturally, investments that have not provided any return or have put their investors in a loss have to be spoiled if money is needed with a negative return or no return. Although risk is necessary for investing, unfortunately, this potential risk ratio increases even more unless proper capital control is provided.

People who already understand the risks of any investment will certainly know what money they should use for their investment, because remembering that it will not always be profitable at a certain moment makes everyone think twice before using their money for investment. Moreover, those who like long-term investments in certain assets will obviously use money that doesn't make them poor when they don't get a profit from their investment.

Everyone who has been investing for a long time doesn't need to consider how much money they should invest in cryptocurrencies; all the ideas and risks should be assumed by those who are just getting started, as long-term investors are aware of the risks involved and have already invested the amount they believe will result in a large return on their investment.

Regrets do always come in the end and this is something that we must avoid on tolerating for it to happen since we know that there's no such thing about assurance on getting positive results on every investment that you would made and this is why you should really make use of those money which are really that your extra or something that you dont bother on the time that you would be losing it but of course you would really be doing your best for you to minimize such chances or risks.

How do you determine how much you are willing to lose? It seems to me that this initially implies small amounts for investment, but in this case you will not lose much, but your investments will not bring you much profit either. Therefore, I believe that this rule can be applied to altcoins when the risks for your investments are really very high.

And then I have a counter question, if you only invest the money that you are not afraid to lose, what do you do with all the other money that you save, you just keep it?

It seems to me that constant monitoring of charts is more relevant to traders, because if I am a long-term investor, then I am not interested in short-term price movement. Trading is also interesting for me and sometimes I try to follow the chart, I will say that it is very tiring, I'm not sure if I like it.

Any reserve funds that have been invested in bitcoin are ready to lose for any risk, because there is no exact speculation on bitcoin price predictions and we still believe that our investment in bitcoin will not lose much if we position the investment for the long term. Some of the reserve funds have been allocated to invest in bitcoin, have nothing to do with other funds, we even have an emergency reserve fund for whenever we need it.

We have financial management based on allocation and purpose, including funds for daily needs, some deposit funds at banks (fiat), reserve funds including investment funds into bitcoin and emergency funds, gold investments, everyone has different financial management, so it's clear that all other money is used according to the distribution of allocations that have been regulated in financial management.

I absolutely agree, there is never any regret at the first when investing but it is possible to experience a serious regret depending on the condition of the investment. In order to keep this situation as the lowest probability absolutely every investment should be made with money that will not be needed in the short or medium term. Otherwise, it will be inevitable to regret that investment. Also, managing investments with a budget that will not be needed helps you to reduce the potential risk ratio a little more in risk management as it will also contribute to not turning your investments into cash in case of potential money needs.

I personally do not currently use reserve money to invest. Previously, I did the same thing, but the longer I actually realized that the strategy I was doing was a little less precise.
Currently I prefer to budget than my needs for investment. I provide special space for investing by giving them into one basic need for me to take out of my income for one month.
I assume that the spare money will eventually be placed for unforeseen needs so rather than bothering it I prefer to budget from the start.
But whatever it is, as long as it is used for investment and ready to take all the risks, I really appreciate those who are on this path.

It is crucial to save a portion of your monthly earning, and making wise investment can prove advantageous for your future retirement. Investment in crypto currencies such as Bitcoin or stocks of popular companies like Amazon,Apple, Microsoft or Samsung can potentially yield substantial returns in the long term. To minimize risk, it is better to begin with small small amount and  continue investing  by using DCA (Dollar Cost Averaging) strategy which is consider beneficial to maintain buying cost at a reasonable level. However, it is important to acknowledge that all investments carry some level of risk, therefore carefully evaluate your risk tolerance level before making any investment decision.

I think this advice can be for all investors who invest in crypto currencies for the long term. always invest that money which is more than you need, whether you are a new investor or an experienced investor. one should never trade with necessary money and never make long-term investments.


The mistake can happen to anyone. Sometimes even very experienced people get greedy or emotional and invest their necessary capital, which has to be sold at a loss when needed. Therefore, even experienced people should not ignore the spare money investment advice at all, because the crypto currency market is a risky market where your capital can double and it can be zero. Therefore, you should always make your investment carefully.

There is no meaningful journey when you have a 'no hope' mindset like this because eventually, you will engage in speculation as well. If your goal is indeed to seek profits, then utilize your funds to the maximum extent. I do not advocate going all in, but I encourage maximizing the funds you possess.

Using funds that you can afford to lose, typically representing only a small percentage of your entire wealth, allows you to start appreciating money. You won't be able to value money if you keep playing continuously. Approaching it with greater seriousness will undoubtedly train your mind to think harder and harder.

Having a savings is always been advantageous because this isnt only for the sake of emergency purposes but also in other things as well like investment or making up a business because not all would really be that the time that we do always have the money unless if you are extreme filthy rich which does have lots of income source then this wont really be an issue if we do speak about spare but if we are on someone whose been sitting on the middle. Then for sure you would really be mainly thinking about about on having savings since we know that we could really make use of it on the future. About investment then whether a saved money or not then
it would be no choice but it would be better if you do make use on something that you can really afford to lose. Every step we do make and every decisions would really be accompanying such risks because we know
that investment is risky but we cant really be able to progress if we dont take up such risks.

I see you carry the badge of a traditional saver, focusing on future, plans, watching that nest egg swell. Cozy feeling, right? But remember, savings isn't static, it's a living resource meant for tactical use.

Your nod to investments is on point. Risks do exist, but they aren't all the same. Gauge your risk appetite and explore fitting options. It's not about sinking everything in one daring punt, but diversfying your assets.

You highlight the need for money know-how. We must guide folks towards smart financial choices for personal and national upliftment. So, cheers to savings, but let's also rally for a deeper understanding of financial savvy.

I think people who have experience in investing actually always have more mature financial planning and management than ordinary people who are new to investing. And even experienced investors know that they can only invest with money they really won't need in the near future. And yes, they also only enter into investments which of course they have analyzed and after seeing the potential, they decide to enter. In contrast to beginners who are sometimes lazy to do analysis. but they always expect a quick profit. and that's the mistake of beginners, namely not being careful at the beginning. Even though the first step is the step that sometimes determines the level of success at the end of the journey.

Absolutely. Only use spare money and that money you are willing to lose. It's like getting into the university again but this time your own failure will be the one that will teach you. And guess what? If you have the proper risk properly, and you are able to follow it very well, you will last long in the game. You may not have big returns, BUT you will last long enough to learn want you need to learn. And what I believe newbies will need to do. That's the beauty of it.

In theory, some of the steps that investors do are to do it with cold money or reserve money so that they are able to balance their expenses against other needs without having to sell the assets or coins they bought earlier.

In other words we want to invest in Bitcoin in the long term. So we implement investment options using reserve money which we can use to buy in stages according to the level of financial strength we have without a strong level of pressure when the market situation changes rapidly because we use reserve money to invest.

It's very nice and acknowledable that you have to use your spare money to invest in Bitcoin should Incase you venture into disadvantages during the investment properly, if you dear use your capital or what you have to invest in bitcoins and the investment go wrong you will start from scratch to bank up another finance to start up another business and definitely it will take you so many years to raise same amount of money, so therefore it's encouraging to use your spare money cryptocurrency investment, that's while people always said that investors should use the money they can afford to lose for investment because lose and profit which is involve in cryptocurrency investment

The thing that I often heard when I was at school is don't put something valuable in one place, if the place is damaged then we will lose everything, and the important thing we have to do when investing is always share it in many places, cryptocurrencies are very promising investments but have a high risk so we have to share it with other types of investment such as stocks, property or others.

Part of that learning process is losing your position in your investment. The reason why it's better to use such an amount that you
can let go and will not bring a heavy burden to you.

Along the way, when you already learn and be familiar with how the market works, then you can add more, the chance of losing
still present, but the chance of making a good outcome is also good.

More on how you'll going to position yourself after understanding and learning the market.

Money lying "dead weight" actually creates a lot of problems:
- It doesn't work within the economy. Money is the lifeblood of the economy. If everyone starts putting money in a box and not buying anything, not investing anywhere, the country will turn into a quiet poor swamp...
- Frozen money is subject to inflationary processes. Yesterday it's $100,000, a year later it's only $90,000.
- Investments are both additional income, and support economic processes and the development of other industries

Bottom line - it's useful and efficient. Although it is silly to deny that there are no risks.

Spare money is a good strategy for anticipating bad things, in investment there is always a chance to lose money and even scam, I have had a bad experience from Crypto investment so that I will divide money to many places and because crypto is a type of high risk investment so I only use money with a small percentage.

That is also what I've heard in school coming from my teacher. For example, if you save some paper money (except coins) in your piggy bank, if something happens like a flood or your house gets burned, your money will also be gone, and they explain that we should put it in the bank or create a business that you can invest in because holding or hiding that money means that it won't grow, but the value is the same.

Investing spare money can be a smart financial decision. Investing allows you to potentially grow your wealth over time. Investing can help you keep up with inflation. Inflation is the gradual increase of goods and services over time. If your money is not earning returns that at least keep pace with inflation, then the purchasing power of your savings will decrease over time. By investing, you can potentially earn returns that outpace inflation and help preserve the value of your money. Investing can help you achieve your long term financial goals. Whether you are saving for retirement, a downpayment on a house or your childrens education investing can help you accumulate the funds you need to achieve these goals.

The best strategy to make us sleep and eat in peace is to divide the money into many types of investment, when bitcoin is trending, many people are too excited so they put all their money in bitcoin, and what happens is the market is red so they regret the situation, by dividing money to many places so we can avoid losses and even get scammed.

Dividing means choosing places to invest. The general rule is not to place everything in one basket, though if you deal with good research and you are fully convinced that placing your money can bring you decent benefits, you are willing to go for it. It's more on taking the risk, but in regard to how OP describes things, I agree with your sentiment. You can sleep and eat the normal way if you only use spare money in your investment.

Not fearing of anything and your willingness to wait will give you a good chance to earn after.

It is good to investment with spare money as people do say, so that when there is price decrease or incurread loss it won't be  a much burden or on you. But the question remains, Is there anything like spare money?

To me there aren't spare money anywhere because every funds has value it add to human life, and this is by solving a particular problem that such amount can settle. It is important to note that their is risk in everything but if you know that you are not out for such risk, that's when the spare money comes to play but mind you, I insist that there is nothing like spare money despite that many people believe that this really exist.

Spare money could be considered spare money when you have extra money that you have after paying all your needs such as bills, foods and even your wants. And despite of all the payments you did, you found yourself still have a extra money, which is enough for you to invest. If you think you can afford to lose that money or like you can risk it then you can call it spare money as you won't need to think about it despite of the situation. You can stake it as you can win or lose in investing depends on your knowledge about investment, which is better than holding it, still saving is good especially for emegency purposes. 50/50 it then it would be good.

When you dare to take risks, the book must be ready and do not regret what you have done. Of course, investing with money that is not used for necessities will make us very calm even if we are in a bloody market, for example.
As for putting our money in some basket or bin, I agree on that. However, we must be able to see the opportunities that exist, in another sense, we must have many profit holes in the things we do. I don't see it as something to be greedy, as long as we know what we're doing and don't just rely on luck or follow other people.

we can't guess what will happen to the investment we have, so the strategy of using spare money in investing is the best. besides that, this can prevent us from taking very big risks, such as loans, using main money, or other things. besides that, at the level of risk in investment, when there is a failure in the project we support, it will not directly affect the finances we have.

Reserve money should be divided into two, which is just in case we are hit by a problem that requires money suddenly, and reserve money is just in case the market goes down so we can buy it back. in cryptocurrency actually the risk is very small if we choose the right coin and have mental stability that is maintained, therefore it is better to sort out money to invest and money to anticipate sudden needs, so that it will add to our comfort in holding without any worries

I call reserve funds for emergency purposes (fiat) and reserve investment funds for DCA strategies to increase investment when market correction or bearish market, the important point in investing is financial management and improve knowledge of crypto fundamentals and market analysis skills, if you decide long term bitcoin investment then there is nothing for you to worry about and we focus on bearish markets to increase the portfolio, because bitcoin investment funds are not affected by other financial aspects, we keep an emergency fund in case of need to deal with sudden problems.

people who build businesses and investments will definitely have failures/problems because not always what we expect from investment results can produce. ever read a business book, beginners who want to create a business, investment can be said failure often occurs up to 5,6,7 times. because all processes need material, introspection of mistakes, this skill will become a strong foundation later. it also has money that must be willing to lose to sacrifice

That's the good and exactly right. Taking the big risk if you are done doing your deep research will drive you to take that pattern. If the chance is high so why bother not to take it right? It's on your take and on how you drive your investment, but moving to how the topic was being written, it's something that will allow us not to fear with our investment as we are using spare amount that can be forgotten, might be possible to wait for longer time and also that willingness to let it go if a mistake has been done.

I know maybe there are still a few Altcoins that someone can buy for just a short-term profit, but I know Bitcoin is still the only cryptocurrency that one can safely invest in and have better risk management. You know how volatile altcoins can be pump today, Dump the next day and for someone who is not even familiar with crypto, it can be a great problem because when you are still relying on a token to trend high, you don't know if the token might not even be valued again. If you are thinking of investing in crypto, then Bitcoin should be the first coin you add to your portfolio. We can consider Ethereum 😬, but mahn... you don't know the future of these altcoins since they're centralized.

Dividing money into several parts as you suggest is good and also good for everyone who wants to invest in their life. But when it comes to crypto investments, I don't think there is the best cryptocurrency other than Bitcoin because Bitcoin can still have a significant impact on all altcoins on the market. Well, if someone has bought Bitcoins and he feels regret when he sees the red market with the price drop that happened to Bitcoins, that means he is not a true Bitcoin lover and not a suitable person to invest in any cryptocurrency.

Because so far I have never regretted owning Bitcoin and have always been patient to expect the best price on Bitcoin. So if someone is impatient and feels sorry for only seeing a red market for a while, that means he is not a suitable investor for the crypto space and is only suitable for sleeping and eating at home without thinking anything.

One major reason that we should use spare money to invest is that we can be able to wait for our investment to mature and get huge profit from it.  If we use money that is not spare, we might end up needing the money for its purpose and ends up selling our investment prematurely.  It is ok if the market is surging but it would be devastating if the market is crashing since we cannot get our full investment if the market is plummeting when we sell our investment.

Investing involves serious commitments, and to really get the benefits from investing, an investor needs to be patient with the investment he makes. I'm because it is morning that patiences can only come when he invest an amount of money that he can afford to be without for a very long time, and money that has not been planned for any other purpose present or in the future.

It is not good also to fix a use for the money you have invested, because fixing a use and hoping to use the profits for something already planned can make you impatient and not take full profits from your investment. From the very first profit you make, you will already be considering to take profit.

Because investing is long-term, and during the period of time we are waiting for the investment to grow and benefit us before we take that benefit, many things can happen to us so that when investing not with spare money then when something urgent happens it is very possible for us to sell the investment, and the worse things selling when there is no growth or even when there is a loss, so actually investing is not an easy thing, it requires careful planning and good calculations, but investing is highly recommended because it is a way to make us have assets that increase in value.

The point in this case depends on how we determine momentum because indeed this can be profitable, it's just that of course momentum also won't be obtained if we only follow advice from other people, especially what often happens is when following several influencers which makes this even more complicated.
It's not wrong to be in shitcoin or memecoin just to take advantage and go with the flow of the pump that was created, it's just that it needs to be accompanied by our abilities and we have to be aware of whether we have those qualifications or not. Unfortunately, if you look at a number of conditions, sometimes many are not aware of this, which keeps them trapped.
When something like this has a bigger chance for yourself, you have to be in a safer investment, like of course bitcoin is the first choice. We can't see in terms of the huge profits to be received for a few memecoins or coin pumps but we also have to look at the worst case scenario and as long as you can't afford to be there then don't do it.

I think it's the law that applies everywhere. We must have knowledge about what we are going to invest. If not, it's stupid, even though all investments can generate profits, whether you have knowledge or not. But in investing there is a big risk, this is what makes all investors must have knowledge, so that if something bad happens they don't panic and know what to do with their investment.

Investments are also divided into 2 groups, namely high-risk investments and low-risk investments. One of the low-risk investments is gold investment, home investment, land investment, blue chip stock investment, etc. One of the high-risk investments is crypto, such as bitcoin. Usually investments that have a high risk have a high return as well.

Everyone wants the money they have to work for themselves, that's what makes people like investing. Besides that, investment will also make you financially independent, if your investment is successful. But apart from investing money, we also need to invest in knowledge so that we know there are many ways to earn money, such as taking courses or attending training, or maybe studying at the master's or doctoral level.

Investment in the financial markets, especially cryptocurrency, involves a huge amount of risk because it is a volatile market, and we should deal with caution, making it necessary that whatever funds you are bringing to invest should be the amount that you are capable of losing. The word investment to my understanding I'm seeing it as something that involves a long duration of time and in other words, should also be money that you won't be needing anytime soon and attaching some kinds of emotions.

crypto market is a known very volatile market, so if you don't know what you're doing, you can easily get liquidated. investment can be on a short-term basis, however, you should know the market well so you won't be wasting your funds for nothing. everyone will advise you to use your extra funds as there is no guarantee on this market. the roller-coaster ride will give you idea that you can't exactly tell when is the right time to sell your coins. but of course, the right time is always when the selling price is higher than your buying price.

Exactly as you said that investment takes quite a long time and we as investors also have to be patient in waiting for our investment to actually generate profits. And for that, of course the money that is included in the investment must also be money that is indeed quite cold and indeed we will not use it for quite a long time. All investments have their own risk. And investing in crypto certainly does have a much bigger risk. So using only money you can afford to lose is the most appropriate solution. Or using reserve money that we don't really need is what can keep us calm in carrying out the investment.

The primary reason behind investing with separate money is to avoid the risk of financial ruin in a single blow. It is never advisable to go all-in at the beginning of an investment journey, as things may unfold differently than anticipated. By opting for this approach, individuals steer clear of such a predicament. Even today, some people still engage in this behavior, mainly due to a lack of financial planning education.

I recommend segregating your funds and treating investment allocation, which pertains to savings or future aspirations, differently from the money allocated for current needs.

There are many advantages and advantages of investing using reserve funds to invest including as you said, we don't know what will happen in the future with the investment we choose, therefore to reduce investment risk it is not recommended to go all in, this is an investment not a bet so if you have to be wise to make choices for the benefits that will be achieved in the future.

I agree with your advice, and I have also implemented it now, before I was very obsessed with investing so I did everything I could and used money for my basic needs but unfortunately everything didn't go smoothly and I experienced a big loss, all of this was inseparable from the panic and need that so urgent that whether I want it or not I have to sell my assets by incurring big losses, that's when I realized the importance of investing with reserve money.

Bitcoin is probably the only crypto currency that is leading all crypto currencies. The coin that is most trusted and has the most potential of all coins is Bitcoin. Bitcoin should be kept in your portfolio for long-term investment, but to get more profit one should also choose good and top different coins in the market.

Investments in Bitcoin are considered safe and all other altcoins are considered riskier than Bitcoin. When it comes to profits, altcoins can earn more profits than Bitcoin. There are many good and top altcoins in the market right now that are capable of giving you a good profit in the future.

 For this you need to work hard and long term investment can be made in good projects after complete information and research. So I think the best low-cost coins in the market along with Bitcoin should be kept in your portfolio

Basically when a person wants to invest or do business he must keep his extra money. Because many times in business there is more loss than profit then it can be restarted with extra money to compensate. Similarly, if a person wants to invest in Bitcoin, then he must keep extra money in hand and then join the investment. Otherwise, if he suffers losses by investing in Bitcoin, he will definitely break down mentally. So it's natural to keep extra money in any investment it's good for yourself. But there are some people who are new to start a business and must gain knowledge about it. And to invest in Bitcoin, one must start small and have special education about the Bitcoin market.

On that matter, having the proper knowledge about the business that you are taking gives you the advantage, we all know that we are into investment because we wanted to earn money, even you use shit assets to make money as long as you understand and you can fully utilize your opportunity that still good to go.

It's more on your decision making and how well you are in taking a risk, and here the decision making of using either spare money or you will going to place a good portion of your saving to take the risk and hope for the best, believing in your own capabilities will guide you to take your path in this kind of business.

It is wise to start trading first with a small amount of money. Because if you can start investing with a small amount of money, then you will have a rough idea about the investment risks, then when you invest with a larger amount of money, this experience will be very useful. Before engaging oneself in any profession one must acquire sufficient knowledge and experience about that profession. Because if you engage yourself in a profession without adequate knowledge or experience, there will be more chances of failure than success in that profession. So a trader must gain some experience first.

I respect your perspective on the pivotal role of knowledge in investment. Yet, mastering risk, managing emotions, and exercising discipline are just as key. Investments, true, can be high or low risk. However, an investment's riskiness is subjective, swayed by an investor's financial standing, risk appetite, and investment aims. What appears risky to one might seem low-risk to another.

Undeniably, education is fundamental for investing. But, I would stress that real-life experience and financial literacy are equally essential. These can guide one through the labyrinth of investing, reduce risks, and foster informed choices.

Correct. As I said before, get to know yourself first if you really want to do something.
As long as we are capable and have some profitable research and have faith in yourself then it can still be done but if indeed you are just tempted by instant gain but don't have sufficient resources in this regard such as more knowledge about how shitcoin does its job and you only focus on hype or maybe influencers who always want personal gain, so it's better for you to undo it because it won't be true and it will actually make you trapped, which in the end thinks this is fraud.

It's different because we have other extra money that we will only allocate to an investment such as buying cryptocurrency in this field and then just hold it that can give a good profit in the future if bought at a very low price.
So in these times, if the extra money you have is only a small amount, it is better to take the risk of using this money in meme coins that you think also have the potential to provide good earnings in the future.

Obviously it is not just better I think it should be obviously that before investing on anything everyone should learn the risk management , and earn some knowledge about the candle sticks then he should start his trial investing with some small amount. Then when he reaches a perfect level, he can increase or decrease the size of his investment fund as per his wish. And always Keep on your mind that , investment should be that much as much as you can afford to loose.

It teaches you to take risks that you will experience in the future. if you cannot take this risk, It already means that nothing will happen in the future. many things you have to take from all your choices.

And it will also enable you to increase your capital, based on the income you achieved from your spare money you invested which is very important to invest what you can afford to lose in cryptocurrency investment. Many that invested all they have in cryptocurrency investment, always fall victims of selling cryptocurrency at any amount to solve problems at the moment, and it will make them not to achieve income than to experience regret because it's not their wish to sell premature but problems make them to do so. Those that used spare money in cryptocurrency investment, find it easy to get it right to win big income from their investment because they will have other money to solve any problem that may come their way just to be focus with the cryptocurrency investment.

In investing, in my opinion, one's mindset plays a significant role in their success.

We know that beginners are bound to make numerous mistakes. I believe this is perfectly normal as long as they can learn from those mistakes. That's why it is highly recommended to start investing with discretionary funds and not with essential money.

As the level progresses and investment knowledge grows, it is advisable to allocate larger sums of money. We can gradually increase the investment budget by 3%-5% based on our confidence in investment knowledge. However, at this stage, we begin utilizing our savings. We must also learn to manage our savings using this method. The most important thing is to refrain from using funds that we will need in the near future. Hence, savings can become an appropriate source of budget.

BTW, I am not a financial advisor, but I personally apply this approach to my own investments

Yes, that's right! that's exactly how it should be, the problem is because others only get carried away by the hype of those who go into this field industry, in fact, you know what it means to say that others think it's easy to make money here. Which is not the case.

You should really study first and don't rush, and don't immediately look at how much you can earn, instead look for the knowledge to learn the moves and twists and turns here just like in crypto trading.

You sound like there's actually anything like 'spare' money perhaps you don't make errors! Everyone who invest by trading in Bitcoin has capacities in which they can and nothing could be spare or small at some point due to difference in financial capacity of persons. Better you advice that don't hurry into Bitcoin investment without understanding the best time to buy any fraction of it!

For the risk management you're talking about... don't you think it will cost you time and money if you really want to study risk management you could take online courses too for that and not all are free. If the intention of the person is for long term trading rather than waste time studying risk management...after all it's not like we're managing money here it is better you said learn from experienced traders and know how to maintain if necessary little dip while you're still heads above water in the case of dip in the coin that when it' bulls again you'll have gotten enough gains!

Don't be afraid of taking risk just don't be insensitive to trends that has been existing in Bitcoin before investing in it!

True, it is a good decision and there is nothing wrong, the most important thing is to manage it wisely,
other than that you have to be prepared because investment certainly cannot be separated from risk, so that needs to be considered,
that's good advice by implementing a portfolio diversification strategy.

We all plan for the future. Because the position we are currently in may change in the future. We usually save some part of our income to make that future better and not to be in danger in the future. If you save the amount of money you keep, you will get the amount of money in the future but if you invest a part of the savings, your savings have the potential to increase several times. So none of us should miss such a chance. Everyone should invest a part of our savings so that in future we can create a possibility of good amount of growth from that investment. Maybe many people will say that saved money is safe and investing money will be at risk, to them I will say that success is not possible without taking risks in life.

Yes. Must be smart of course. All investments do not have inherent risk. it's just that our job is to minimize its potential by looking at the gaps that we might be able to use as a small investment strategy and at least we have to be smart and smart in managing let alone using reserve money which is only used at certain times and conditions for investing, especially crypto , very volatile. I think you know that too.
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I like how the investment planning that you describe. And it seems you are also quite experienced in investing. I personally only have a lot of experience in property or Real Estate investment. Whereas in crypto I've only just started a little over a year. So that sometimes my steps still need to be re-evaluated. And you are right that sometimes as a process goes on, our insights in investing will also become more mature. The most important thing is that we must know the risks and potentials that will be entered and we must be prepared with all kinds of risks that will be taken. So that we only use money within reasonable limits which will keep us financially safe even if we are not lucky in one of the investment instruments that we enter. Risk management and financial management along with financially sound allocation arrangements are urgently needed.

Investment is indeed very important to guarantee a pleasant future or old age, but investing also has a risk that we must accept if one day it doesn't go as expected, but for the long term in my opinion the risk is very small, even non-existent and the most important thing is investing in the right place and also safe.
Using money that you can afford to lose or reserves is intended so that you are not too disappointed when you experience a loss, by setting aside money from money after you have prioritized needs, installments, savings, and for unexpected money. And you can invest the rest, and invest what you can gradually, much better and for the long term.

If you really want to earn profit or extra income aside from your salary, then taking a risk with investment is really best, but again, before that, you should have extra money on it, or else you won't be able to save and invest. That is why you should manage your money well, like don't spend on nonsense stuff and also don't go over your budget because you'll end up ruining your budget plan. But again, no matter what our plans on budget are, if your income is too low, then that is really difficult, so it is better to find a way to earn money, or if you receive work bonuses, then that is a good for investment.

Investments must be made in accordance with the abilities we have, because that is part of a very unique job and is highly recommended if someone wants to make their future brighter. But it is clear that basically everyone has to study risk management first before doing it because starting a job without understanding the risks would also be ridiculous. Why is that, because risk is part of the challenge that must be understood so that someone does not have obstacles when starting to invest in something.

Taking risks is indeed mandatory, but everyone is also highly recommended to understand it first before starting to take it because if someone is willing to take risks, but basically he still doesn't understand how these risks are. I think that is also a very ridiculous thing, because taking a risk is not only related to one's courage, but also very much related to the knowledge that one must have. So talking about the future, of course you also have to talk about knowledge because that is the basic path to a better future.