Bitcoin Forum

The phrase "invest what you can afford to lose" has long been the go to advice when it comes to Bitcoin investments. In the past, it seemed to be a norm, a safety net, but it's time to reconsider its relevance. Over the years, Bitcoin investment has undergone a significant transformation. What was once a realm fraught with doubts, fears of capital loss, and scam risks has evolved into a more stable and less volatile investment landscape.

While risks and scams still exist, Bitcoin itself has proven its worth, emerging as the premier cryptocurrency, demonstrating its dominance over others. The short-term fluctuations are there, but historical data consistently indicates growth over time.So, why should we continue to echo the sentiment of "invest what you can afford to lose" when referring to Bitcoin? I believe this phrase is more suited to gambling or trading, which we all know come with inherent risks.

For those looking to HODL Bitcoin for the long term, with no intentions of actively trading, the focus should shift. Instead of investing what you can afford to lose, consider investing what you have to invest. Unlike other traditional investments like real estate or the stock market, Bitcoin allows entry with even a small capital  as low as $5 to $10, which isn't something I will even want to lose.such an investment should not fall under the category of what you can afford to lose.

Investing in Bitcoin means being part of one of the world's most revolutionary technologies. It's not just an investment in today but potentially one of the most valuable assets in the future. So, instead of wasting time and money on 'shitcoins', consider starting now it's not too late. The focus should be on investing what you are willing to HODL for the long run, rather than what you can afford to lose.

In fact, it is an expression that we must be prepared for all risks. I think no one wants to lose their money, especially those who invest large amounts of bitcoin. That expression is just an illustration of risk, that bitcoin has a high risk and in my opinion if we are not cheated or our bitcoins are stolen then the value of our investment will never run out, at most it will only decrease due to fluctuations in the price of bitcoin

One investment that can make our money run out is if we invest in bitcoin futures, this trading model is like forex and has a very high risk, our money can run out in a day. However, if we buy bitcoin and store it in our own wallet, our money will not run out because bitcoin never loses value and price.

Even after reading this post, all I can advise everyone is to still invest what they can afford to lose!. Do not think that just because Bitcoin has done well over the years we should neglect risk management. I think of investment in a way that once I've put my money in there, I have lost it (just to keep myself from being too anxious and always checking). I have lost quite some amount of money in crypto, and for the times that it happened, I never felt shocked cause I always acknowledged that I could lose it all. So, investment as a whole is a risk and one should be risk-conscious when being a part of any investment (be it Bitcoin or not.)

Yeah, one of the old members of the forum said that bitcoin investment doesn't really have any serious static rules for investment, and that's true. Most investors usually have some strategy or rule that they think is best for them to invest in bitcoin, but the most commonly used formula some people use in accumulating bitcoin is DCA. For some common non-static rules, like; buy the dip and hold, hold until you make a profit; if you can't hold, you won't be rich; not your key, not your coin; and the last, "invest what you can afford to lose." In one of my comments just a few days ago, I said that that last common rule should have been modified to "Invest what you are willing to hold for the long term, until you make a profit."

Bitcoin has lived for a decade now, and I don't really think that people have actually invested in it and experienced a total loss like they do with altcoins. Whichever loss that any investor might have experienced with bitcoin is either because they bought at a high price and sold very low, or maybe it is a trader who is leveraging or trading for a short-term profit.

Normally, those that invested in bitcoin and held it for a long time made a profit from it, while those that did not hold it for a long time did not make a profit because they could not hold it for a long time. In such a situation, we can't say bitcoin is actually responsible for their loss, but they themselves were responsible for the loss they encountered. So, that was the reason I said that the rule should be, "Invest what you are willing to hold until the market has earned you the profit you desire."

It is applicable to everything wherein we apply risks, just like you have said in gambling and trading and the same goes with investing in Bitcoin.

As long as you get to hold that you're investing what you have or what you can afford to lose, they're all the same logic and understanding. There is no dynamics in investing in holding Bitcoin.

You buy and you hold, whether that's your life savings or spare money as long as you can afford to do that, no one will stop you. But of course, we always tell that invest only what you can or what you have.

There can be two meanings of "can afford to lose". One is a relatively small sum that can be lost without any notice. Another one is a larger portion of your wealth that can still be lost without completely ruining your life. The second still applies to Bitcoin and any other investment  Do not put your house as a collateral for investment, do not invest your child's education fund, do not invest your safety net, and so on. This is all especially true for Bitcoin precisely because you have to hodl it and can't afford to take your investment out early during an emergency, because that could force you to take a loss.

Regardless of what one is investing, it is a common knowledge to not use the money that is allocated to other spending.  No matter what kind of investment one has, it has its risk and the possibility of losing the capital is still there.

Bitcoin market price is not set in stone that it will eternally surge, the future of Bitcoin is still uncertain even though it is quite popular that it is on the uptrend when we zoom out its price history.  Within that history, there are lots of recorded losses from Bitcoin traders  and investments due to the fact that the price of Bitcoin swings and there are instances that an investors are forced to sell because of unexpected events in their life.

The principle of investment is applied for all types of investment, not only applied for Bitcoin investment or cryptocurrency investment.

If you can not afford to lose your money because your investment goes to a wrong way, you should simply keep your cash at home. Keep it at home, don't keep it at bank accounts because when banks have bankruptcies, you can lose your money in bank accounts.

With Bitcoin investment, after you buy it, you must do another vital step, move your bitcoin (withdraw) it from your exchange account to your own wallet, non custodial, open source to keep it safe by yourself. You have private key and you can control, secure your bitcoin.

How to back up a seed phrase (https://blog.lopp.net/how-to-back-up-a-seed-phrase/)

invest what you wont need in the short term, play the long game

Invest what you can afford to lose not only for investing in Bitcoin but also for other things. Bitcoin has high volatility. Bitcoin prices can change at any time and if people are not prepared for that, they can panic. That's where they must understand the meaning of investing what you can afford.

If they can afford to invest $25 or even $100 for a single purchase, that's an amount they can afford. We are not buying or investing more than we can afford. Our life is not just about investing in Bitcoin. There are other things that we have to fulfill. So we must keep trying to fulfill it.

And if you already have Bitcoin, HODL is what you should do and don't panic if the price drops. The price reduction is only temporary and later, the price will increase. So be patient in holding Bitcoin until the price rises again.

Not only with bitcoin and with any investment, once it can bring profit, it can also create risks for us. So I still maintain my opinion, let's only invest what we can lose.
You're right, just because bitcoin has done well for many years doesn't mean it's risk-free or absolutely safe. Even gold and real estate are not absolutely safe, so with an asset like bitcoin that is only 15 years old, nothing is certain. Don't be too subjective with bitcoin because the future is unpredictable.

This advice must remain, especially for new people, there are security aspects that must be considered in addition to value risks. Everyone wants to invest just because they hear "it's profitable", but not everyone understands the mechanism. However, this is still relevant to the security factor of Bitcoin.

The phrase has more to with Bitcoin volatility and not exactly that Bitcoin would go to zero and he'd lose his investment. Although there are ways he could lose his investment like losing pvk, hacks, scams, etc.

You wouldn't wanna make investment and remove half-way just because some need arose.

Not every people who own Bitcoin is a Bitcoin enthusiast or even maxi.

The phrase of "invest what you can afford to lose" is for Average Joe who's interested with Bitcoin, obviously it's different to Bitcoin maximalist who own near 90% of their assets in Bitcoin.

Since Bitcoin is still a fairly new asset and it's not yet as sustain as gold, so it's correct to say that.

In the long term, not the short term.
In practice, people don't buy Bitcoin because the price will fall from the purchase price, which is a mistake in thinking. Putting such thoughts into altcoins has some truth to it. Among the many people who invest in crypto, only a small percentage focus on other types of assets besides Bitcoin. The rest are those who don't know the benefits of converting fiat to Bitcoin.

Investing in Bitcoin with long-term targets has very little chance of losing. On the contrary, people will win if they are consistent in Bitcoin with long-term targets.
Long term, strength to hold that feels heavy.

It seems like you are confusing a couple of things.
First of all the scams and their variants have nothing to do with "invest what you can afford to lose" statement. Nobody should even touch them to be at any kind of risk to need an statement like the one in the title.
Secondly "invest what you can afford to lose" applies to any investment you make in anything, even the most stable markets like gold. You should always take reasonable risks and indeed invest what you can afford to lose. Meaning for example you should not borrow money to invest in gold, bitcoin or whatever else. You should invest the money that you already have and don't need so that if you lost all that money, you wouldn't be devastated.

Apart from that, I agree with the part of your post that Bitcoin has already grown and the market is not as volatile and unpredictable as it once was which makes it a more solid "investment" even though we still have some way to go before we can get rid of the high volatility and market manipulations.

Your thoughts are insightful and I believe in some of them. The slogan Invest what you can afford to lose shouldn't be the main advice for Bitcoin because it has over the years shown that it is a dependable and consistent long-term investment. To me, the right phrase should be "invest what you can live without" or what you can afford to bear" . We have seen some people out of greed or high expectations take loans or sell some valuables because they want to invest in bitcoin. Others go to the extent of investing their entire income without considering basic needs or making emergency provisions.

Indeed, bitcoin is now a major player in the global financial market, but it doesn't erase the fact that it is a new invention that still needs time to evolve into a stronger and widely accepted currency and investment. So we still need to invest with caution. Don't invest an amount that can put you into a financial mess if there are any challenges.

It is still very much relevant! It all depends on your local regulations on bitcoin. You time when you have invested in Bitcoin etc. This statement is here to remind you about the risks of Bitcoin investment. But it is something you can ignore at your own risk. Today when the Bitcoin price is increasing, we are seeing a whole lot of new crowd becoming super bullish on it. But let's assume you invest at pick and then the price starts going down! Will you be at the same position with the early adopters?

So Bitcoin is a risky investment and you must not gamble with whatever you have. Have patience and take a cautious approach toward Bitcoin investment. That might save you from being bankrupt.

The phrase invest what you can afford to lose doesn’t apply to only risky investments but to also stable investments, we might have experienced from past trends that bitcoin isn’t like shit coins and can never go dust but at least there is still volatility affecting bitcoin price, although with a long term holding you might be beating that risk. Where this phrase comes to play is the area where you hold in dare patience and not been afraid of any circumstances. Imagine someone that had invest a little above what he could actually lose as at of early last year when the price was above $45k, you would certainly know that the person wouldn’t be at peace like a person who is invested a throwaway amount.

Investing in what you can afford to lose might also be a warning that should you be face with adversities like mistakenly getting your funds stolen either through hacking you don’t lost everything ( although this can be prevented if you’re careful). The phrase also applies to one diversifying there funds too and not relying on a single investment.

I agree with the general view, contrary to that of the OP, that investing only what one can afford to lose still stands.


This is what I wanted to focus on. The problem with mature assets such as bitcoin is not so much that you can lose everything, although it is a possibility that cannot be ruled out 100%, as volatility. If you put all the money you can into bitcoin even though you might need it in the short term, maybe when you need it the market is down 60%, and you haven't lost it all, but you have lost 60% of your money that you couldn't afford, and now you will have to go into debt or figure out how to get the money you have lost.

You can invest everything you have on Bitcoin and you will still be fine, Bitcoin investment is not that risky like every other assets, all you need to do is get a job and keep living like every normal person, years later you will thank yourself for making the decision.

I don't think Bitcoin is a risky asset anymore, and that's why Black rock and co are trying to get their hands on Bitcoin ETF soon, the only risky part of Bitcoin now is how you keep your private keys and recovery seeds safe, hold them tight and go away for years, when you are ready you will get access to your Bitcoin, not much to worry about with Bitcoin.

To avoid reaction to sudden volatility, you need a job and also some patience, the reason why people miss out is because they invested all they have into Bitcoin without something fetching them money, once they start to face some challenges they will come around and sell their Bitcoin, which is why I said that Bitcoin investment is very bad for those who are jobless.

This advice is real, last year I lost a lot of money on shitcoins. Many influencers say Shiba, Akita, or whatever will increase 1000x from the current price. Unfortunately at that time I believed it and stupidly I was all in on this meme coin or shitcoin. it's a bad thing to live.

This is for all and I think even if I rumble all of these phrases, we're all going to end up with the same meanings. But this simplies of what we're telling people why they need to invest what they can afford to lose. And that is because that money that will be invested is good that's gone and never coming back. Understanding it with this simple phrase will make people realize why everyone says affordability of losing when investing. It is because investing requires patience and the serious ones aren't just going to stay here short term but in long term.

Yeah, investing in btc is about long run but still should be about "Invest What You Can Afford to Lose". We live in a pretty risky world and still selling a home to get money for investments is pretty bad idea as for me

Just because you think bitcoin is risk-free doesn't mean it won't be. If bitcoin is risk-free, what assets are considered risky? Is gold or real estate risky and bitcoin risk-free? We are bitcoin investors and we have faith in bitcoin, but trust with knowledge and facts, don't be blind and trust foolishly. There is no investment without risk, the higher the profit, the higher the risk. Blackrock is just an investment fund and they can go bankrupt at any time. They do not guarantee anything about bitcoin.

Bitcoin having proven it's worth over time in the crypto industry, still posses risk, most especially, if we consider the fact that we have different types of investors all around the world, so I personally believe that the term *invest what you can afford to lose * in relation with Bitcoin, can never be outdated as long as bitcoin remains an asset to be invested in, with the potential for profit or loss, depending on decisions, the investor make concerning or with their investment in bitcoin.

Even today, people still use the terms "invest what you can afford to lose" in other assets that have proven their worth over the years like real estate investment, land and properties, shares and so on, so this term is something that can never die off in relation to bitcoin, as long as the price of bitcoin is not stable but still volatile.

Very sensible and educational post, even i wonder why people still use the term "invest what you can afford to lose" this is not valid if you use consider bitcoin as an investment and this stands true only if you are in day trading without control on emotions or if you gamble as you mentioned or even futures trading.

I think most people now have realised that Bitcoin is not a risky investment and it's become more like gold but only difference is that it has capability to give much more returns than gold but it's just that fuds being spread during every fluctuations creates negative impact on large group of users. However, glad that people have realised fuds that they will only incur loses due to panic selling if they fall for these funds which starts appearing every time when the Bitcoin's price drops by even 5%. I think one should have clear mindset that Bitcoin doesn't guarantee immediate profits but a definite profit if we hodl.

Even public opinion is subject to evolution. In the case of the bitcoin - revolutions.

It's not that hard to prove your worth and dominance by being the first cryptocurrency. :) Whoever started the race first is undoubtedly in great shape. It would be fun to see which cryptocurrency would become dominant if all projects started around the same time.

Well, so far, everything is going well with bitcoin and the phrase “invest what you can afford to lose” is irrelevant. But, as always, there is a nuance. We don't know how bitcoin will behave in the event of a global economic crisis, in the event of a ban by governments and regulatory authorities, or in the event of any force majeure. So, risks undoubtedly remain. But there is no doubt that, compared to the early years of bitcoin, the risks now seem less significant.

Why go into a game with the intention of losing? You need to invest in such a way that it brings profit, not loss. Even if it's $5-$10.

Investing in bitcoin is not only about seeking profit for yourself, but it is also an investment in the future of technology, community and, perhaps, the future of all humanity. Each purchase of bitcoin is, in fact, a kind of impetus for the development of this large-scale project.

I also think that Bitcoin is a fairly safe investment these days. But there are just simple things that we can't be sure of. There's a risk of being hacked, scammed, losing access to one's funds accidentally, mistakenly sending the coins somewhere with no way of getting it back. Then there's also a risk that Bitcoin won't recover from this bear market or any future bear market. It recovered from all the previous ones, but there have been just a handful of them, and there's no guarantee that it will always be like this. Or maybe Bitcoin will eventually recover, but you'll need the money earlier than it happens, and you'd have to sell at a loss, for instance.
So when investing, people should consider the risks, even with Bitcoin.

You are right, bitcoin has transformed a lot and now it is time for us to avoid saying the norm invest what you can afford to lose because in your opinion BTC has become more less volatile and more trustworthy and less phishing which it was not before but it was considered as one because of less adoption, more hacks and more volatility of it.

But with more adoption the trust started to build and more people started to trust it and thus volatility decreased! wait what I am saying, with more trading volume volatility of the BTC should increase  :P So, dear op BTC was less volatile back then now it is not.

Overall we still have to use this norm as a disclaimer so that if one after hearing about BTC investment from you get into loss, and without this disclaimer he will ask you why did you not warned him etc.

I think that's a pretty bold statement and that's very true for the ones who want to invest in Bitcoin. Unlike other crypto-currencies Bitcoin won't go to zero in value anytime and that's why it's quite safe to invest money into it and let that investment for at least a decade or two in order to have better profits.

Although investing in Bitcoin doesn't have any direct risks but if the investors aren't aware of the other potential threats that come from scammers and hackers then they will still have the risk even with Bitcoin investment. It's always better to reduce the risks before investing in Bitcoin and for that a user must have to learn about air-gapped system and cold wallets.

A hot wallet will always have it's risks and even someone with proper firewalls and antivirus software will still be at risk if he/she uses the system online. A proper way to be safe from such risks is to have your wallet in offline mode and also one should be careful about private keys, seed phrases, and other important details about one's wallet.

In this part of doing things better, I think that it cannot be seen as what can be lost, I see the Bitcoin investment as the best way to do things to improve any type of life, I never see this as losing On the contrary, I see it as the best option to win, those who see this as an option to allow themselves to lose and their way of seeing things but I don't agree, anything to be able to benefit in the future is like buying bitcoin There is no other way, bitcoin and buying bitcoin is the best investment you can make, for me it is superior to investing in gold, because here they give more immediate results.

Its not really that bad to be that optimistic but we shouldn't really be that conclusive when it comes to things on which we know that there are really things in life on which it is really that hard to predict out that it would really be remaining into future years. We should really be that making ourselves aware that there's no such thing about permanent of this world. There's always that chance that the old ones would really be replaced by
new ones and this do talks about Bitcoin cant really be able to sure to have that peak spot until the end of time. We can really see and we cant really deny about its dominance and demand in the market
and most of us do really hope for it to retain.

It is really just that we shouldn't really that going all in when it comes to investment even if we do speak about Bitcoin investment. We do mind off about the risk involved from time to time.
This is why those line of words or suggestion is really that always that relevant or keeps been repeated to be told on which investing on what you can afford to lose as always.
There would really be no assurance that it would give out that positive impact or result.

This is right that for long term holder they have low risk in bitcoin investment. But I think this this phrase will be always remains that "invest as much as you can afford to loss." Investment will be always risky and if you called about the bitcoin investment it is also called by long term trading.
Also I think one more thing is that until the target profit is earned from the trading or investment fund, it is at risk. Because there are many barrier can be faced like hacking, phishing etc. Moreover, many times we have to face many emergency situations when we have to convert Bitcoin to other currencies even if it is a loss. So for these types of causes I think that the phrase will be always remain on investment sectors.

OP, it's just a kinda standard phrase to say when talking about any investment. Obviously you're buying Bitcoin you're not actually going to lose your money, assuming your practice good security procedures, but there are people naive enough who think that when they get into some investment they are bound to make a lot of money right away. This phrase kinda just says hey think about this first and know what you are getting into.

Losing the value of Bitcoin is not the only reason why you should only invest what you can afford to lose. There are other things that you need to consider before investing into Bitcoin. You can lose Bitcoin by losing access to your wallet or losing the key and someone else getting better hands on it. Bitcoin is not a physical asset that you can make a proof that you own it unlike other assets that you have ownership which you can prove through some documents.

If you lose something that you can't see and can't claim to be yours without the access, then how can you say that it is a risk-free investment/less risky? Also, past performance does not dictate future outcomes. The market is still uncertain and anything could happen to it at any point of time. So saying that it is stable right now is not a good idea.
Even if it's cold and Bitcoin has gone through many transformations, I will still say only invest what you can afford to lose.

The age could be considered a factor, however, I am not even talking about how long Bitcoin has existed but I am rather talking about its volatile nature. The thing about volatility that people don’t want to accept is that Bitcoin could sway to any direct (I mean; even far below anyone’s expectation). After all there are products that aren’t up to the age of Bitcoin but are doing really well.

The last phrase is much more appropriate to say than the one you thought. The consequences of investing are losses and gains – but if you don't have a good risk tolerance then you don't really understand what that means. You should be prepared to lose money from your investment in bitcoin for various reasons - so it wouldn't be wrong if someone suggested you only invest an amount you can afford to lose. This means that you still have to consider that there is a possibility of losing all your money which requires you to consider not investing all your money in bitcoin.

The high volatility that will result in fluctuations in the price of Bitcoin has become a characteristic of bitcoin,
even that can be an advantage of bitcoin with other investment instruments.
With rapid price fluctuations, investment returns will also be faster.

But this depends on who can make good use of it.
As a crypto trader, you can certainly take advantage of every momentum with high volatility.
Those who cannot accept the volatility of Bitcoin are certainly not ready and not suitable to enter Bitcoin.
Bitcoin and crypto with volatile markets are only for those who are able to accept big risks, but can also get unexpected profits.

These sentences is very important, not only for beginners but also for other big investors. This is to tell any investor how much risk is involved in the industry. They should know before taking any move to invest in bitcoin so that we will not go and invest a large amount of money that we cannot afford to lose. Anyone who forgets this while investing in crypto is doing so on their own because we are not supposed to invest beyond our limit. It's wrong. We shouldn’t invest and come and suffer at the end of the day, running out financially. That is why we always advise investing the amount you can afford to lose, which is applicable to all investors.


Normally, bitcoin investment and gold investment are not the same thing. My reason is that the bitcoin market is not the same as the gold market, and for the bitcoin market, nobody will tell how the price will go at a specific time. Therefore, this investment is a choice, and your choosing bitcoin over gold is not a wrong decision. You have your own personal reason, while someone who chooses gold investments has their own personal reason as well, so you can see that it's just what you prefer. There's no force in the industry. You can invest now and decide to withdraw it now. Nobody will say you should live there; it's your funds, not anyone else's.

In bitcoin investment a good investors does not invest what they can not afford to lose, I know quite well that any investment is a risk and you have to understand the advantages and disadvantages of investment, so therefore I believe that bitcoin investment maybe risk to the investor when the investor have not make a proper research of the investment,  so therefore make a research and understand the output and input of bitcoin investment or any other investment before you can as well venture into the investment, investing what you can not afford to lose in cryptocurrency I think its very bad and you have to know that as investor so that a newbie will not use all it has to invest and if it lose it will be depressed till infinity.

In every investment, crypto or not, it is your responsibility to do your homework before jumping in.
So even if you can afford to lose such money, it is always advisable to learn about what you are going into.
Because this will give you insights if you are going into a profitable market or not, or has the probability if the market will have positive returns.

I know that age is not the only reason why bitcoin is not yet a safe asset, and if we evaluate it comprehensively, bitcoin still has many shortcomings to become a safe asset. Such as recognition, popularity...and volatility as you mentioned. Some people will be biased and think that bitcoin is safe, but if based on a common scale to evaluate, bitcoin still cannot be compared to gold or real estate in terms of safety. There is no asset that offers high returns but low risk, that is the rule that applies to everything in this world, bitcoin is no exception.

Well.. i think this is a kind of 'comfort doctrine' for new users looking to get into Bitcoin. We all here surely don't know the individual risk profiles, and using  'invest what you can afford to lose' is a way to manage the expectations of Bitcoin buyers, so they don't expect too much... but in reality, Bitcoin moves more aggressively up and down. If the price goes down, BTC buyers shouldn't worry because the potential loss is small, while if it goes up, it will definitely exceed their expectations.

People who've been buying Bitcoin for a while already understand and pay more attention to it. Even those who are familiar with Bitcoin will invest more than initially thought, because they know there's no issue with that.

Meanwhile, 'invest what you can afford to lose' is just for those who don't yet fully grasp it or newbie who want to start the journey.

The focus shifts like what do you mean and I can't understand the purpose of this one statement? Because the holding strategy that is needed is just calm and not panicking when market conditions experience a sharp decline.

If you have the ability to invest then knowledge will definitely make us ready to accept the risk of loss, but the problem is not the level of readiness but the condition of your understanding in terms of minimizing the risk of loss. Bitcoin can be an alternative solution in the long term regarding maintaining currency value and even though it is quite volatile there are ways to minimize it. Bitcoin also provides an opportunity for anyone to get involved even if using small capital, in traditional investment perhaps opportunity and capital are two things that are quite needed.

It is always advised for every investor that you invest as much money as you can afford to lose. This word is very small but its importance is great. By this word a new investor is made aware of investment caution. This is a very important point for every investor. One should always invest with extra money because if the money is ever lost due to investment and if the loss is not recovered in time then the impact of the loss should not be on the investor. Investing on loan or investing with all your savings should never be done.

Before deciding to invest in Bitcoin, it is very important to do research to understand the risks you will face so that you will be more careful. Bitcoin price movements are quite significant, making it possible for anything to happen significantly, be it profit or loss.
So because of this, it is recommended to invest using money that is not used to meet needs or money that is ready to be lost without affecting anything, this is also one of the things that will minimize risk, for example reducing panic when prices drop drastically.
Some other things that are very important are investing with ability without having to force it, such as going into debt or putting all your savings into it, which is very risky.

Invest in what you can afford to lose is just a way of telling you to invest an amount you are sure you don't need anytime soon, it's not like you are investing an amount to be forgotten but putting an amount you know you will not need anytime to soon is the best way to go. Oftentimes without numbers, we have heard, read and reported cases of people selling their belongings to buy Bitcoin, taking loans to finance their investment into Bitcoin and the times they do this is when there is euphoria in the market, they get excited by the gree candles and pour everything and expect the result of someone that has been holding for 5 years, and when bitcoin makes a correction, they make an unrealized loss. Now, with this tragedy how do you think they are going to get back their money to repay the loans they took to invest in Bitcoin? I hope you have seen a bigger picture of why they say to "invest in only the amount you can afford to lose"



You need to know something but first let me ask you. If you are blessed with a million dollars today, can you risk it all and invest everything in Bitcoin? I doubt but if it's another person, he will do it without shaking; that's the amount the person can afford to lose but you can't do that because that amount is too precious for you to invest everything in Bitcoin when you have other primary problems to solve, amount to invest is subjective to individual pockets.

Whether you pick dollar cost average or buy at a spot, you still have to think before doing that, you need to decide if the amount you are using to buy is riskable from your financial status so that tomorrow, you don't wake up and be having doubts about your bold decision to buy Bitcoin.

Money (material) is not the main reason when we talk about investing, turning things around and knowledge issues are often ignored, but it is an easy source for whether investments can help us complete the goal. The opinions stated are not wrong at all, but it is clear that simply putting money into places we do not understand is always a mistake until we realize that cultivating knowledge is even more important. I bet that many participants only think about the profit opportunity from Bitcoin (crypto) and they don't care much until they lose more money during the investment process, because this is the story. Money reflects whether our lives depend on it. With good managers, of course they will avoid risks in the investment process and on the contrary, just spending money in their own pockets is no different from pure gambling.

What I meant by the focus should shift was simply that when your main objective are to hodl for a long term, you shouldn't be the type that is scared of loosing their investment because over time, your investment will continue to accumulate.thuogh you might encounter some loss due to some dips and the market volatility, but you shouldn't focus more on little losses.

When you invest in Bitcoin, make sure you're using money that isn't crucial to your life, and be careful not to lose it. Nobody wants to lose their investment, so it's important to be cautious.

This is simply a warning for newbies who don't understand how bitcoin works, and also for people with low income so that they don't end up regretting their actions especially the short term investors that thinks that bitcoin is a get rich quick scheme. I see that phrase as the best advice for investors so that they don't over believe in bitcoin that it can change their lives or bring massive income to them and for this reason, they might end up investing aggressively and having all their funds in bitcoin, or they will borrow money to invest and when the market goes the opposite side of their expectations they will panic and sell and run at loss. Short term investment and using money that you can't afford to lose will not make you enjoy the profit from bitcoin investment but rather will bring loss to you and this might discourage you from investing again and some newbies will say that bitcoin is a scam because they never invested in money that they can afford to lose. It is the best advise, so that when you don't follow the rules and run at loss, you have yourself to blame. As time passes by when your belief on bitcoin is strong, then you can invest with the amount that you know wouldn't affect your income. You should also know that everyone has his own amount that he can afford to loss. The amount that I can afford to loss might be your monthly income, invest in a long term investment and only use the amount that you wouldn't affect your income and other responsibilities so that you don't end in selling your bitcoin when it is not of your will. This is because you will make more profit when you hodli and have target price when to sell

An investor must overcome his fear of investing because he should already have calculations before investing. That is why if someone wants to start investing, he must know the risks he will face to know how to overcome them.
A bitcoin investor must be able to maintain his focus on surviving in the long term and not worry about price movements that occur in the market.
He also doesn't mind the volatility of the bitcoin price, which is constantly changing. He can use the volatility to his advantage so he can keep accumulating more bitcoins.

The holding strategy is to remain calm in every situation so that you can find gaps that can be used for your benefit. However, it is natural for an investor to feel panic if they see a sharp decline in the price of bitcoin. But with his experience and ability, he was able to overcome his panic and find the right time to buy at a low price.

I wouldn't say that you invite bitcoin as much as you can with the loss effort because no one loses 100% of their assets by inviting bitcoin. so I would say that if you have long term investment then invest in bitcoin otherwise don't have a bad experience with bitcoin by investing for short term. Bitcoin is not able to give much profit for short term but if you invest with Bitcoin for long time Bitcoin is able to give a lot of sure profit. Because even though the price of Bitcoin fluctuates constantly, Bitcoin recovers a lot after a long period of time and Bitcoin sometimes makes a new ATH that is several times higher than the previous ATH.

Well, the phrase "invest what you can afford to lose" would actually be applicable to people who are just starting to invest and as well to people who are not that financially stable as they need money to provide their essential needs, so they are not that ready to risk the funds they have cause it would go to straight to their needs. As they gather more experience in the crypto industry, they would also adapt that investing is much better than saving your money in banks, especially the spare amounts of money. That's the time the phrase "invest what you have" cause for the long time Bitcoin has existed, it doesn't really disappoint as it gives people a source of money and also avoids inflation. Because investment really involves risk, if you don't overcome the thought of losing money, then for sure you would stay in the phase of the average investor in this industry. IF you want to play safe long-term investment would be the best option until it reaches your target selling price.

Having an optimistic mindset in investing is a great thing and we all expect that bitcoin will always grow and develop in the long run and will bring profits to all of us. But to put it bluntly, that's just our wish and we have no evidence to guarantee it will happen with 100% certainty. I mean, no matter how good and safe bitcoin is, there will still be risks, don't be too subjective with everything. The future of bitcoin is still unpredictable, still a question mark, no one can guarantee anything. Therefore, the phrase “invest what you can afford to lose” is never wrong with a risky asset like bitcoin.

When I first started learning about bitcoin, and heard about the phrase " invest only what you can afford to loose" i became aware that bitcoin is a very risky asset to invest in. I even likened bitcoin to gambling, because i know that to have a  right mindset to gamble means that you'd need to only bet the amounts of money that you can afford to lose, because of the major factor of gambling which is luck. Now that my knowledge of bitcoin has increased, i know that it has it's risks because of it's volatility, but it goes beyond luck to make profit in bitcoin. You have to understand how it's market supply and demand works, all other determinants of bull and bear runs, so with all this in mind, bitcoin should be an investment that guarantees profitability if the investors have accurate knowledge of the market dynamics.

We're expecting bitcoin halving by next year, after which ATH is expected to follow, and the energy is very high that it'll be a major bull run for investors to cash in heavily. I've even heard in this forum that people should get a second job to earn more in order to buy more bitcoin to hold in expectation of the coming bull run. So the question for me is if we should invest only what we can afford to loose, then what is the need for all the excitement about accumulating enough bitcoin to hold in anticipation of the coming bull run? For me it clearly shows that we're gradually passing the stage of that phrase, because so far as you actually have the correct knowledge of how the bitcoin market works, it's safe to invest more than what you can afford to lose.

Always consider money as an important thing and never neglect money. Just because you should invest the amount of money you can afford to lose doesn't mean you should invest your money anywhere without a second thought. First you need to know about investing, first you need to be sure if you are investing in a good coin and after that comes the issue of losing money. If you follow such words by investing in a reliable performer then you are doing the right thing. But if you invest in bitcoin and say that losing the amount of money will not affect my life badly, I have invested that amount in this coin, then it will be a stupid thing to say because investing in bitcoin is throwing away money.

Yes, of course we must have an optimistic mindset in investing in Bitcoin and if we choose to invest using Bitcoin then we must be able to understand it well so that we can use money that we will not use for other purposes so that it will not interfere with our investment do.

I agree with you, no matter how good the security is, investing in Bitcoin certainly has high risks, so it is very important for us to understand it well so we can control ourselves in making investments and don't let us use loans to invest and of course that will be a problem. for ourselves, because of significant price movements, nothing can guarantee that we can make profits easily when investing.

If there is a guaranty then the saying "invest what you can afford to lose" is not applicable.

But the question is, is there really a guaranty with investing Bitcoin?
Well, it depends on someone's perspective. Some people really believes that investing Bitcoin is a risk free, and other believes that it's still has risk. That's the one thing we should consider because we don't know their experiences in Bitcoin.

In my opinion, it's depend on the time you invested in Bitcoin. Some people immediately invest in Bitcoin without a knowledge and analysis. So if you're a good analyst, and you proved it many times then I will never against of what you believe because it's your perspective.

Yep, beyond any doubt, the holding strategy is one of the most secure as well as professional ways to gain profit.
Lol! Hodl means, in its full form, Hold On For Dear Life. But it is claimed to be perfect for us if we want to work calmly and thoughtfully in Hodl. Because, as I mentioned above, holding means to stay calm by taking the investment. Hodl in Bitcoin means to invest in Bitcoin and, by holding, when you get 10x or more profit, then sell out your assets and earn profit.

Your point is right, but it is based on the fact that a person feels fear when he sees a decrease in the return of his investment. It means he is afraid when the price of his invested assets decreases. But the reality is that if you have developed competence in the analytical hold of volatility, then no one can be a better investor than you because you have learned to do the work that is the goal of the destination.

It is really an important aspect of investment, you need to take care of what you are investing into and should be a lot more aware of it without a doubt. I understand that life is not all that simple most of the time, but that's something you should be careful about. I am not saying it is going to be all that easy and all that, but that doesn't mean that you are going to end up with all your money into bitcoin.

I personally believe that bitcoin will go up, like I truly believe that, I believe that next year around these same times we could be as high as double what it is today. Does that mean I am selling my house and putting all that money into bitcoin? Of course not, there is smart investment and there is stupid investment, that would be a stupid one.

I think you missed my point. Just because you can't lose 100% of your assets doesn't mean that you should neglect risk management and invest more. Investing what you can afford to lose is not also saying that you will lose the asset, it is saying that you should only put in an amount that you know you can manage it's loss if the investment were to go south. So, investment is definitely okay but not more than the amount you can bear the loss for.

Despite the risk who have considered investing in Bitcoin is profitable they are the real bitcoin investors. Especially in this moment there is no fear of losing because Bitcoin is going to create milestones in the current situation. There are thousands of cryptos in the cryptocurrency space and occasionally we see bullish movement  for some specific coins but most of them don't over come previous  ATH. Investors should consider these factors before investing. His hard earned money should not be wasted in the name of investment.
Bitcoin is the only investment platform where an investor can be profitable for long term investment. Moreover, the current time is the most suitable for investment where the possibility of profiting from investment is very high. So in some cases it becomes necessary to do something contrary to the advice. As you said. So invest as much as you can and hold bitcoins.

I agree with you, those who already know about the advantages of investing in Bitcoin, of course they are aware of the risks involved in the investment they make and they are also aware of the profits they can get from investing in Bitcoin. Yes, you are right, we have to make our own choices in investing in Bitcoin, don't let other people influence us not to do it because we have the right to make our own investment choices and we can invest the amount we can afford and don't be greedy in doing so.

This phrase is not only applicable to just 5$ to $10 because if you convert such amount of money to some country's currencies you would understand that such amount is worth saying invest what you can afford to lose. In fact the sole reason why people often say invest in what you can afford to lose is that, most people do not understand the volatility level of bitcoin whereby they would think after investing in bitcoin they will instantly get back what they invested within short period of time.

But unknowingly if their plan did not go accordingly on how it was planned then this phrase can fall in because we know too that the market isn't that straight forward because we can't tell what the next minute or hours could results making anyone who invested any amount to entirely lose their investment at this point this phrase is always suits in and is constantly used for people to have it at the back of their minds that whenever they are investing is good to use at least the money you can afford to lose remember all pocket aren't equal if $10 is too poor for you to lose then there are other people who can't even afford such amount of money within a week or month.

This will sound as a surprised to you, there are some shops in my village today they pays their workers 10,000 Naira per month and is less than 10$ do you think such person would take that risk to invest all his or her money into bitcoin and you expect this phrase shouldn't be mentioned to them.

It is not included in a shift but you set an investment strategy when it starts, most people who implement long -term strategies are not too concerned with regard to the level of fluctuations in price because the trust has formed the decisions chosen. Unless you try to invest in the short term and may be adjusted to the strategy to generate profits beucause though market volatility can change quickly that cannot be predicted.

For this problem I do not agree and should if you believe in investment in Bitcoin then putting the money in it is one way to maintain its value because in the long run Bitcoin will increase significantly. Losses are caused by errors in investing and caused by lack of correct knowledge, so placing bitcoin money is a wise decision as one of the best.

Because bitcoin still has high volatility, this word is increasingly attached to bitcoin which continues to fluctuate, if it is said to be safe then it must be even more stable with the volatile word it may refer more to early investors because it will not fully understand how bitcoin moves in the market for a long time the phrase "invest what you can afford to lose" is still quite popular today.
Someone who already understands this phrase maybe he will not consider bitcoin unsafe, it is even safer than other assets.

In bitcoin there is still a possibility that the price of $35K now and then falls to $10K it can happen so that word will be more appropriate especially a beginner who is still ambiguous.

I would agree, if not for the fact that this phrase applies to everything, especially to the jits and newbies that would literally take a second mortgage on their houses, sell their car, or even take a dizzyingly-high loan from the bank so they can invest on bitcoin, and then ramble about it on social media when their investments tank. So you may think it has lost its relevance, but I say the motto still holds its weight in gold, especially in the face of people belligerent enough to literally dig themselves another grave while thinking of building a swimming pool.

Invest carefully and be smart, of course don't take out loans and only invest what you can afford to lose, more so if you're looking for immediate gains.

If you look on the history of bitcoin, you will see it is the only crypto currency that has survived this long. While all the alternative coins have fallen or dusted out. For long term investment and survival, bitcoin is the right choice. Even a month age bitcoin was only 26-27k but now it crossed 36k. No other crypto has achieved that kind of gain. I have invested on many alt projects for only a short term profit. I know if I hold it for too long, there won't be anything to hold. As the only true coin, there is no doubt that, bitcoin is number one. What are the other projects you thought of investing?

    Investing in Bitcoin doesn’t require just investing with any amount, if you are investing with just $10 which is a poor capital to invest in Bitcoin, you will lose your small  $10  if the market goes in any slight deep you can get liquidated. You need a reasonable capital to invest in bitcoin, you can as well invest your $10 in any crypto Projects that are still cheap coin that are still looking promising you can invest in, like coins that are not yet up of $1 with good market cap.
   If you need to invest in Bitcoin you need a good capital to step in and even when you invest still be wise while your investing, you don’t have to break the bank before you have to invest in bitcoins. That is why they keep saying you should invest in what you can lose so that you can have a back up plan when it’s goes wrong. Because of the risk involve in investing.

If the phrase is "Invest what you can afford to lose," we should not say that when it comes to long-term investment, Bitcoin is always the best long-term purchase. These are the ones I usually read in the comments. Then we didn't understand what we were saying.

We may have different views and opinions, but that doesn't mean that our thoughts are all right. We, as investors, must be prepared for the consequences that we can face that are not good when we invest in Bitcoin or cryptocurrency.

Of course gambling and trading are the two investment that deserve this phrase most, but bitcoin investment also deserve it because how risky bitcoin investment is because it is not a physical asset that can be seen by everyone anytime like real estate and gold investment.
One of the main reason why the phrase is always used on bitcoin investment even with the assurance of its profit when hold for long is because of human error which happen due to transactions through mistakes that could lead to lost of money and no refund, and misplacement of wallet private keys which means your bitcoin is gone.

We do understand that Bitcoin is the best investment in crypto business which has lesser risks than altcoins, especially for long-term holding. However, that doesn't mean this doesn't have risks. That's why you still have to apply "Invest the amount that you can afford costs". When investing in Bitcoin, no one knows what will happen. This is not only related to Bitcoin prices on the market which will go up and down or even skyrocket someday in the bullish era. But the risk is also related to the security of our assets, namely whether one day we will forget how to access or lose the most important information for accessing the wallet. This is also part of the risk. So even if you invest in Bitcoin, it doesn't mean there are zero risks. This is my personal opinion.

The default advice every investor should have at his finger tips is always for him to invest what he can afford to loose.

Nobody invests money to loose it but it is also one of the options although not always said, it is a silent precaution. To say the least, people are supposed to have factored that into their plans and settled it in their minds before they consider coming to invest any money into any kind of business.

There is nothing wrong with the sentence invest with money you can afford to lose, it does not refer to the sentence about the decline in the price of bitcoin but rather about how an investor should use their cold money to invest in bitcoin, because if they do that, they will only sell the bitcoin they have (hodl) when they need money or are in an emergency.

Don't invest in Bitcoin with a random strategy because when you have money difficulties, you will definitely sell the Bitcoin that you hold, that's why always invest in Bitcoin with money that you can afford to lose.

This is a basic rule and should still be apply regardless how certain or profitable the investment is. We know investing in Bitcoin is really worth it and we can attest to this fact (especially the investors who are long been here). But, despite this, we can't still recommend to someone who like to invest in Bitcoin that he/she can use any amount because the profits are guaranteed. There's still risk and we're not certain what the future holds for Bitcoin.

Therefore it just right to remind them about this common phrase although it's on the investor's discretion if they will follow this rule when they engage themselves. In the end, it's up to us since we have the right to disregard this if we are firm to what we believe in.

I also want to put more into crypto but I don't really want to suggest it to others since it could destroy their life.
We don't know how they would take our advice, and some might really invest more than what they could afford, and we all know that crypto or bitcoin is volatile so it might end up the other way around.
There are times that people would take our advice seriously specially when they see how much we gain from doing it, and the result might be different for them so I don't want to make investment advice so lightly.

Even if you don't introduce them, if they have the need to invest then I think one day they will also invest in bitcoin because the popularity of bitcoin is spreading everywhere on the internet and it is not difficult to come across it. Sometimes referrals and consultations also mean we are helping them avoid Internet scams if they educate themselves about bitcoin.

But recommending bitcoin to others also carries risks for us and them, if they do not follow our advice and invest greedily and hastily, they will pay a very high price. Not to mention, if they lose money, they will most likely blame us, so giving advice is not easy.

Yes, you're right about Bitcoin. It's a crypto giant and safer than altcoins. But "safe" doesn't mean "risk-free." Investors should only invest what they can afford to lose. Your point about market swings and security risks is correct. Price dynamics might make asset security seem unimportant. Anyone can lose keys or wallet access protocols. This emphasises the importance of both market movements and investment security.

Remember that with Bitcoin,  price fluctuation is inevitable. The bullish era may make us dream of huge gains, but we must keep grounded. No one has a crystal ball, and the market is known to humble even the most experienced participants. Every investor, young or experienced, should remember your point concerning Bitcoin's price risks.

Finally, Bitcoin's "inevitable" success problem must be addressed. While many of us are bullish about Bitcoin, we must stay sceptical and avoid naïve optimism. Despite Bitcoin's lead, the crypto sector is known for its quick changes and shocks. Your balanced optimism, admitting dangers but believing in possibility, is reasonable. This deliberate interaction keeps the Bitcoin community fresh and ready for the future.

At a point, I wanted to support Op's point but after reading through other comments, it made me realise one thing. I have indeed lost money in the crypto space. So, I agree with what you said because during the period in which I lost those money, I didn't panic, as I had decided that I could either win or lose with this money. That's why these days, I play it safe when it comes to the period I invest in Bitcoin and the period I trade as I use mostly the smart trend to do that

Honestly, it's not just the risk of our seed phrase being lost or hacked by hackers, there are a lot of other potential risks as well.  I also disagree with what OP said because the future is unpredictable.  bitcoin has a great history and past, which doesn't mean it will continue to do so in the future as well. 

OP, if you think investing in bitcoin is risk-free, do you have any proof or is it just your baseless thoughts?  optimism is good, but we also need to be realistic because otherwise we will pay a very high price for our subjectivity.

I think you've gotta be careful with it, as with any other investment. Don't get me wrong, its the top dog in cryptocurrencies no doubt.  but that doesn't mean there aren't still risks and stuff we don't totally get yet. and  You made a good point about securing your assets and how the market can be unpredictable.  The whole only invest what you can lose thing makes sense cause you never know what will happen, whether it's the price jumping around or some security problem popping up.  It's like walking on a tightrope, just takes some balance and taking it slow and steady.  What do you think about spreading your investments around to avoid putting all your eggs in one basket? That might help even things out if one goes south.  But hey that's just my two cents, Im no expert!

To invest with such idea in mind simply means that; bitcoin is not shitcoin, it is only shitcoins you can afford to lose but when your investment is in bitcoin, the meaning should change to what you can afford to HODL. I think it is time we stop relating bitcoin to what you can afford to lose but it should be what you can afford to HODL, if you HODL for a long time, it means you are holding in order to reap the benefits of it in the future and a mindset changed to what I can afford to gain and not lose. Shitcoin can be what we can afford to lose and Bitcoin is what we can afford to HODL for a long term to reap good profits.

Sure, Bitcoin isn't categorized as a shitcoin. Bitcoin is the most recommended coin for crypto investment. I agree that we can use whatever the amount of money that we can hold for a long time if it is related to Bitcoin investment. Its cycle is clear enough, it is actually not a too high risk investment. But people still assume it is a high risk investment because it has a high volatility in price. That volatility makes people to decide investing with the money that they afford to lose only. I think it is no problem people have any concept for their own investment. As long as the concept won't risk their investment, it is always okay to apply. People only want to spend the amount of money that they afford to lose in Bitcoin or shitcoin, it is because they don't want to expect too much in crypto investment. They also minimize the potential of a huge loss by using this concept. Although it looks having a negative mindset, but I think it is a secure way for them.

 For me, we can still follow this phrase "INVEST WHAT WE CAN AFFORD TO LOSE" and just continue to do the DCA  thing if we want to maximize our bitcoin investment. It's not that we are still hesitant but as long as bitcoin remains to volatile, it will still be considered a high risk assert regardless if some of the people now consider it as a safe haven asset. Risking our money without high guarantees to end in profits is already a sign that we invest on our faith for bitcoin.

However, its also a good idea to invest what we are capable for long term hodling, but definitely let's do it with caution. Bitcoin, no matter how sound and profitable it is in the market, but when volatility strikes in and pull down the price of bitcoin, then investing it at a high caution should always be the best option.

In bitcoin the Investment is safe , there is no room for you to lose, the people who Invest in bitcoin will always be winners, can bitcoin go down a lot in price? Of course yes, this is an opportunity for the most intelligent people to buy bitcoin and be able to guarantee their treasures more, so in this sense things when they are not very focused on doing things well, they can do it in many ways , if that works. Thus , it may happen that some with good intentions can buy more bitcoin and can build a future for themselves and their family, if that is what is sought , the best investment guarantees Happiness in the Future.

A safe investment in Bitcoin depends on how one invests, whether they are patient enough to have some strategy or just go in without any knowledge with money they still need and a high level of panic.

It's not that there is no room for loss in Bitcoin, there definitely is and those who panic will do so when the price crashes and they don't have any strategy.

A good investment is one that they understand, and know what to do with.
There is no panic when the value of the investment drops and still has reserves to buy back.
People who are smart in investment will benefit in the end, but those who are stupid and too panicky or too greedy, will only end up with losses.

It is not right to do anything beyond the means. Be it from Bitcoin or anything else. Bitcoin is variable and dynamic. Individuals with intelligence can be more present to use Bitcoin and help increase their financial security. Investment may be necessary, with self-protection and knowledge individuals may be able to invest. Curiosity and tolerance for new areas are qualities that can help you adapt successfully. Proper consideration of personal circumstances and financial status is important when investing in Bitcoin and can help you become a reliable investor. Bitcoin doesn't mean "Invest what you can lose" I think Bitcoin means "Invest Bitcoin what you want to gain". The best way for investors is to hold. Bitcoin Hold is a medium that is the only way investors can trust the expected results in the near future.

It is a matter of perspective. Basically, this is an expression to tell a person how much he is willing to take risks. In crypto investment, there is always the risk of loss if you have not done your homework properly. Bounding your money for a significant amount of time can come into this category because this is the amount of money you will not be able to use because of the market condition. HODL, in my opinion, can only be applicable to BTC investment. You can not hold altcoins for a longer period because they might be wiped out of the market in a year or two.
It is always better to invest your extra money that you may never use in the near future.

  When we say "invest what you can afford to lose," it means to me that even if you don't make a profit, it's fine, or you think that's a loss. That's just what stuck in my mind. Until now, my view has been the same.

  I guess I've gotten used to it, so those who believe in a quote like this are full-pledge risk-takers who also have a deep understanding of the crypto or bitcoin business industry in this field. As long as before investing, you should always pay DYOR; don't forget that.

Investing in Bitcoin also contains certain risks, although at the moment we see how the price of Bitcoin is confidently trying to continue to rise, despite the fact that the rest of the market remains relatively close to the bottom. Investing in Bitcoin is long-term and if you buy Bitcoin, you should understand that waiting for a bull market may take several years, so you should only invest in it with money that you can afford to invest for a long period.

The phrase 'invest what you can afford to lose' is usually tied to altcoin investment, especially shitcoins, not necessarily BTC. Every one knows that Bitcoin investment is never a lose, if you can hold. But the same can not be said about some altcoins.

Moreso, you can't tell people to leave shitcoins, though it is very risky, but there are some who have made a fortune and from it. For example, Shib, which is a meme token made many millionaires.

OP miss to distinguish between the phrase 'Invest what you can afford to lose' with 'Invest what you are willing to lose' both are very different things, no one invested their money and willingly losing it. 'Invest what you can afford to lose' doesn't mean investing carelessly and willingly losing money, 'Invest what you can afford to lose' means that if you lose the money of your investment you are still financially able to continue your life and recovering from the money lost, and then collecting money again to reinvest.

Invest what you cannot afford to lose, in a simple example would be lending money from a bank to Bitcoin with interest and collateral, that when we make a bad investment it make us bankrupt.

But I think this rule is a key principle in general when it comes to investment and not only applicable to cryptocurrency or bitcoin in particular. I still hold the believe that you should never invest money that you can't afford to lose because there's always the possibility that you could lose it all. Although, there's the potential for big gains if you invest wisely and just because Bitcoin has proven itself over time doesn't mean that it's risk free. As the saying goes, past performance is no guarantee of future results. So even though Bitcoin has done well in the past there's no guarantee that it will continue to do well in the future (although, this is not likely).

Investing recklessly without considering the risks is a recipe for disaster and taking a calculated approach is the way to go. You just have to prepared yourself for the unexpected always.

"Invest what you can afford to lose" - I think this phrase should be in general status when investing in crypto. That means with everything you should invest only when you learn it, not just buying/holding/trading or surfing... risks can still come from hackers or basic mistakes. Maybe bitcoin doesn't inherently bring any risk, but it comes from other factors. Crypto brings risks, but bitcoin does not necessarily "bring" risks

I think $5-$10 of investment in Bitcoin is too small and not worthy if you're going to go for long term investment, unless you're planning to add some capital for bigger profits in the long run. My point is, to make it more worthy while waiting, max your capital but don't forget to spare some extra money for yourself, like to pay bills, buy foods, and for your wants and other needs.

"What you can afford to lose" doesn't mean that you have to be more miserly when it comes to what you're planning to invest, for me it means that whatever amount of money you think is worthy to invest is worthy of your waiting time while waiting for the result, either it is bad or good.

That phrase doesn't refer to bitcoin only, it's for all types of investment because even the classic stock market can dump, and you you invest money that for whatever reason you are going to need then you're in big troubles because what are you going to do? Best case scenario you sell at loss and still get some money back, worst case you lose everything. Investing is not a game.

Well, however, you describe it, I would still advise people I know to invest what they can afford to lose. However, it is the lowest level to minimize losses that could occur in the future.
OK, we agree with the statement that Bitcoin has great potential in the future. however, what we have is only “belief”. When people are asked whether Bitcoin will reach $100k, people will answer "yes". and, when that will happen, the answer is "don't know". When people invest more than they can invest, borrow, or anything else to invest in Bitcoin, it's not a good thing. maybe in the future, the price will rise, but we need to consider living needs and other unexpected costs. Many people are forced to sell the assets they own when they need money, whether because of economic, health, or other factors. Well, what if at that time prices were very low, then big losses would occur, and the people who pushed to invest more would be blamed. If you had said to invest in what you can afford to lose, and they don't listen to that, then in the future, when things get worse, you can't be blamed for that.

I think I agree with the Op in that one should take the worry out of investing in Bitcoin. As far as I have experienced and discussed with several people, it is true that they often think that the money you invest will be ready to lose, perhaps they stick to fluctuating prices which makes them say so. But day after day and month after month Bitcoin has been mass adopted and that's where they regret what they have done before, namely being afraid to invest in Bitcoin.

Bitcoin has a limited supply and the development of Bitcoin has been one of the best in this modern era so those who are afraid to invest in Bitcoin are one of the groups left behind by current progress. Many companies have invested in Bitcoin so the notion that they can afford to lose should be thrown away immediately and restart investing better, either doing it with DCA or buying at every dip to hold it in the long term.

Its a great piece of advice to only spend what you can afford to lose. This is especially true when markets are volatile. Why? As you said, the future of Bitcoin is full of "ifs" and "maybes," even though it looks bright. Undoubtedly, it will reach $100,000, but when?

Investing too much, especially when you borrow money to do so, is like taking a chance with your money. Price could go through the roof, but it could also go through the floor. If it does happen and you have to sell at a loss because of things you cant control, like health problems, economic downturns, etc., thats two bad things in one.

As a result, your stance serves as both advice and a defense against potential future blame. People may not pay attention to your advice, but they will remember them if things go badly. As the saying goes, "balance" means weighing promise against usefulness. That balance is very important when dealing in crypto, which is a very risky business.

There is no investment without risk, the higher the profit, the higher the risk. Although bitcoin has been developing for more than 15 years and has had great achievements, what evidence do you have to prove that in the future bitcoin will definitely still exist and grow even stronger? The past does not represent the future, and the future is unpredictable. That's why we advise each other to only invest what we can afford.
Even when Satoshi created bitcoin, he wasn't sure about everything. He once said "it may have a very large volume or it will be nothing", nothing is certain, mate.

I hope everyone here knows that this "Invest what you can afford to lose" adage has a limit in terms of amount, now what I mean by that is that those words will not make any sense when the amount goes around million or even a hundred thousand depends on how valuable your currency is but my point is that when you start to invest it's gonna be easy but when you continue, the amount will go up and you really can't say to yourself that you won't mind losing that money anymore.

It's good when we know the amount of risks we want to take for a particular investment which is what will help us to define the amount of profits we have to earn from such business or investment. It is good when we tell people that are eager to buy and hold Bitcoin on the level of risks they should be ready to take because the market is very volatile. If we don't disclose that to them, they might end up making severe loses when they make mistakes of selling when they are nit supposed to sell. A lot of people had made this mistakes and they have end up losing severely when they should have decided to hold and sell when they finally makes profits.

I still don't really understand the concept of invest when you can afford to lose. Although I know and we are all certainly aware that bitcoin has risks but saying invest in bitcoin when you can afford to lose in my opinion this is too harsh because after all we will not lose what we invest in bitcoin unless you sell the bitcoin you have or maybe there are some things like you are exposed to hacking (robbery) or the worst possibility that even now will still not be possible when bitcoin reaches a price of $0 can only be said to be lost.
But when bitcoin crashes and we are only affected in terms of value in fiat it is not a loss because the bitcoin we have is still the same in terms of amount only the value has shrunk so it is not a loss in my opinion and I still don't like the word investment when it is able to lose because in the end the concept of loss in question is different.

The phrase "invest with what you can afford to loose" is simply a buyable advice specifically to the newbies so they don't hastenly get attracted to invest out of impressions of the exciting pace in the ongoing market with its intolerable and not worth gambling funds to be loosed as a case of chasing profits.
Hence it is safer taking early conciousness about the negative sided nature of the Bitcoin industry based on its volatility before venturing otherwise the act of the unawareness could create bridges of unfitted to withstand a y form of unpleasants which may linger to breakdown if the market goes biased.

Talking about to hodl your Bitcoin investment for a long time investment, that is to be considered a better option but not the only way in for Bitcoin investment.
It is wise to decide if you are going for a long-term or a short-term investment so you would verily have your ways, confidence and manners of tempering your trading funds that is profefered to yield incomes.
The clarity is that short-term basically for investors who are not leaned to other sources of incomes or basically a system of investment which one is protected to offer assistance at financial needs which is potentialed to unimpressive running.
While long-term investment would require you to obtain other sources of investment so you could set a non disturbance giving your investments and the market time to run hoping on the volatility of the digital markets that demands patient for a chance of bull-runs.
And this is potentialed to catch up with the marketing values at when bull-runs.

The concept of loss you mean is more about losses that result from Bitcoin market fluctuations, while losses can come from anywhere.
As you said about hacking, that will result in losses that will never be able to return again.
While it is a loss because the price keeps falling, it will only be a loss when you sell it.

The concept of investing money that can afford to bear losses can vary depending on what issues are at the core of the loss.
You just need to keep your investments safe and under control.

It's easy to say we should have invested more than we could have afforded to lose when we look to the past, but the truth is that the same can't be said about the future, because nobody can predict it accurately.

Of course I do regret for not selling everything I had ten years ago to invest all my money in Bitcoin, including what I couldn't afford to lose, but I have this kind of sentiment right now because I know what happened next. But if I didn't, how could I make such decision?

We can't risk our stability for something which is out of our control and is prone to be heavily manipulated by third party people, the whales. You can't put your fate in someone else's hands, therefore the rule of investing only what you can afford to lose is still pretty advisable even in our present days.

Those losses are an evil that cannot be reversed. That is, if you make an investment and it becomes devalued, like the price of Bitcoin would have decreased a lot, then it is not a loss, but it is there in the same amount, only the price has decreased. If the price moves up, he will automatically return his share to you and also give you a profit. The real loss is, as you mentioned, that a wallet is hacked or a coin in which you invest, and it rug pulls and steals your funds like Tera Luna did. There are many other works that can cause you real loss, i.e., you cannot return them.

So what is meant is that if you suffer a loss due to price fluctuation in Bitcoin, it is reversible; it is not called a loss. And if Bitcoin loses your affordable investment, it gives you the possibility of a return. And if there is an investment in coins other than Bitcoin, hacking, etc., then it is impossible to return them.

So invest as much money as you can afford to lose, i.e., in return.

That can be called a risk with very high crypto price fluctuations.
It may be reversible, but in some other crypto it will not be a guarantee because of the rapid fluctuations and how the coin can also be trusted.
This means that Bitcoin can provide good reversible and can be guaranteed, while other altcoins are still not necessarily.
and also with a note that the price reversal will depend on the prevailing trend as when Bitcoin will return to the last ATH certainly takes quite a long time, who is able to survive they will not lose.

Yes, and there will be no rollback on the type of hack on private or Exchange swallows (depending on whether the Exchange implements SAFU or not).

The investment must be done consciously and definitely using money that is not needed as long as the investment goal has not been achieved.

Despite how bitcoin has proven credibility in doing business with it, I still believe that people should invest what the have, bitcoin is not an investment that you must put your all because, Bitcoin is a good investment but is mainly for people that know much about the technology, the volatility of bitcoin, has made it very open to investors that it is not not stable in price, so with this knowledge one needs to know that investing in this digitalized asset should be done to expect any occurrence, the scenario that should keep you going here is the security and safe identify and the possibility of make good fortunes in it too.

  This is what most people in this field always and often say as investors: we should only invest in what we can afford to lose, and I think this is a useful reminder to anyone entering the crypto business field. .

  As long as we don't forget, as investors, we must also have the habit of being risk-takers so that we can really experience profit in the field of the crypto space, because this is the character that other successful crypto enthusiasts in the field industry have. this.