I think all crypto investments are objective. No one can really be trusted. It all depends on how and what kind of investment model you like. I've done research and investing several times and the lesson I've learned is to do it all at your own risk. Better to lose $100 on your choice than to lose $10 on someone else's choice.

It depends what altcoin you are going to invest to and how long you will hold it. I believe it's possible but it's hard to spot what altcoin is going to give you that return. Just think of $BNB, it was less than a dollar few years ago and look at its price now. No one would've thought it will reach its current price now and I don't know if there is someone able to hold and sold when it hit 3-digit price. Making it possible would feel like hitting the jackpot on the lottery.

Don't waiting too long, we can see now the problem of Pepe project don't have any utilty. As they said on website development of project growth is pure from community, as meme coin they don't need utility but only community. Homever pepe coin still have opportunity because they have community will be growth in the future. Always DYOR and you should know meme coin is the most High risk than other coin. Take profit when you achieve percentage that you want

I came across a post where an advise was ditch out
for newbies like myself not to get involved in new projects,
due to the risk that follows.

But with all honestly, Some project with 3 to 7 months old have one time becomes Scam, Good  example is OKS CHAIN. The project was over 2 years old, yet end up being scam, as the CEO and other dev cart away with so much money. And abandoned the project.

My experience tells me that everything involves around crypto project, Is about risk, except for the president of them all ( Bitcoin ), The vice ( Ethereum ) and the child ( Binance ). Investing in any of these 3 gives risk free system. As they say experience is the best teacher in life.

So i strongly disagreed with the term of " do not invest in a brand new project " to be risk free. A lot of new project has yielded x50
of my investment to me most of the time, What i usually do, Once they're up, i take off with my investment and interest. This is my experiences.
And i strongly believes by doing this, Will yield high success to everyone and also helps you to minimize the risk of lossing all your funds.

I don't understand how the last part of your post relates to the very topic of this conversation but whatever. Let's talk about the viability of a side-hustle.

Not all side-hustles are as profitable as you think. Just cause you got a second job doesn't mean you're out of the woods now and you can just live lavishly. There's a couple of factors that would affect how great this side-hustle of yours is, and I call the main factor the Money-over-Effort variation.

Money-over-Effort Variation just goes like this. Take a calculator, and divide your average daily earnings to how much time in hours that you spend on your side job. Now, check your main job's hourly rate. If it's 50% or higher, then you have a pretty solid side-job and I suggest you keep it. Anything below 50% to me is a complete waste of time and shouldn't be pursued, cause you could be using that time to work for more valuable ventures and you're wasting it over a side-hustle that pays you peanuts.

This doesn't necessarily apply to businesses, especially if you're just starting up. But for everything else, this is a pretty good gauge of how well you're gonna be with having 2 jobs. Time is your main currency here and you can't be wasting too much of it over lost causes and fruitless labor.

This gauge helps you determine how valuable your time is for you. Resilience will not get you anywhere especially in the corporate world, it's going to eat you alive and will leave you a soulless corpse of an employee, who'd rather just stay as a number that's replaceable when you die over having a full life and a self-worth to boot.

You are right - life without a goal is a wasted life
I wasted my life not setting a goal - and had been a complete failure
Setting a goal is very important 

No one says you depend on or rely on luck for success. First, you need to work and try your best, and if fate gives you the opportunity plus tireless efforts, you will succeed. Luck is just one of many factors that help us succeed, it is not the key to our success.
People who get a large amount of money through luck, like winning the lottery, and if they don't work hard, they will also become poor quickly.

A man can never accumulate as much money as he can save without saving. In the area where I live, some relatively poor people save some money as a few members every month for a particular festival. Eevery month they make a rule to save that money, after a year they divide the money equally among all, as a result of which it can be seen that at the end of the year they accumulate a very good amount of savings and the festival they save is very good.
I can observe  That is, I liked their communication medium very much and then I realized that it is possible to accumulate a lot of money by saving. 

In your case also, if you save a part of your monthly salary, it will be seen that after a certain period of time, you will have accumulated a lot of money in your savings account.

It is very nice to communicate with a cultured person, thank you!
Fatigue and insomnia sometimes give such special effects, with perception ... In general, the situation is very familiar

Yes, I will repeat once again - yes, unfortunately, our world is not organized very correctly ... I have visited many countries, almost all continents, and unfortunately, I have often seen that people's lives can hardly be called secure ... This very unpleasant to see. And the saddest thing is that I do not see a real and global solution to the problem of poverty.

I have a feeling that you did not understand me at all!
I'm talking about the fact that just not everyone can save 1/3, because I assume that a significant part of the world's population does not have income that will allow them to save 1/3 painlessly for life. That's exactly what I meant.

About my approaches to the formation of a financial cushion:
Until 2019 - of the total income, I saved about 25-40% in the form of diversified investments (fiat, crypto, ...)

In 2019-2020, I was saving about 10% -20% per year, because. a significant part of the income went to repair and preparation (appliances / furniture / ...) in a new apartment.

Now there is a war in my country, and for 2 years I have not traveled to other countries, which I used to do several times a year, and now I have temporarily lost another expense item, which allows me to put more money into the "financial pillow".

PS About sports in general, it turns out funny - almost 25 years of sports, now I regularly maintain the form

I would definitely divide this question into several parts in this topic.
1. At what level of income, per 1 person in your family, it is possible to accumulate savings
2. Is it possible to set aside savings if you have one job and no investments, passive income and other sources of income.
3. How best to store deferred savings

Regarding the first part, I explain - just taking and allocating 1/3 from the amount of income is not mathematically difficult. The question is - how much does this income cover the needs of life? If this money is not enough or "a stretch" is enough to support yourself or your family - what kind of savings can we talk about?

Talking with your partner and discussing everything is very important. Because we really have to manage finances well together with our partners. So that everything will be lighter if done together. But talking to your partner is sometimes not an easy matter. Sometimes we and our partners have different opinions. so that was where the obstacle that I had previously gone through and needed patience until finally my partner understood and started managing finances well together.

Money should not be treated as an end in itself. Money is a financial tool (which I have repeatedly repeated) that can and should be used to improve your life, both at the present moment and when old age comes. But keeping them until old age is an unreasonable decision, because by that time it will depreciate significantly. It would be interesting to know if it makes sense to keep bitcoin until old age.

In old age, you can count on your children or they will count on you. Here, how it goes.

A carefree and wasteful life in youth will surely punish in old age, and therefore, one can't do without strategic planning and some restrictions.

It is their choice, you can give them advice on what to do instead of doing that but the thing after that you have done your part, they need to take care of their actions. honestly it is their money, you need to understand that giving them too much attention will not give you peace at all, just do your part as a friend. Not all people are the same like us or you , investing instead of drinking

Well, the answer is yes, those who are in their comfort zone are afraid to explore for more, they are not willing to move forward as the chance of losing or failing is what they have in their mind, or they are not willing because they are already satisfied with how they live their life, the idea of pushing yourself to find a much better way to improve your lifestyle is not easy as we mentioned but it's doable if you find the venue for your financial success.

I share that same perspective in the sense of slow and difficult start, but once you manage to fill it up, maintaining will be easier, as long as you are keen to keep learning for more.

Yeah you're right mate but have you also thought about the essence of opportunity?
There are alot of persons who are physically, mentally, educationally and also emotionally prepared to change their life stories but unfortunately haven't gotten an opportunity to do so and you also think those persons lack executional plans? NO
Let's take for instance, everyone wants to own a house, possibly a big and very comfortable house, what should be the executional plan for someone who has sincerely tried everything humanly possibly but failed ?
There are people who are spiritually under a spell and no matter the perfect execution approach they have, they will never succeed,.
Do you now think those sort of persons don't want to improve their lives ?
I guess no because at the end I just believe success shines on those they choose to shine on even without most of them working quarter of what those struggling out their must have suffered.

It's the opposite that I know of from the community that I'm living in. They think that we only live once and that's why they enjoy the things that they can enjoy today through pleasures and never think of what's about to happen by tomorrow. They never think about their future and that's why the most important thing to them is present which is actually true but their approach and way of demonstrating it is in the wrong ways.
Yeah, we only live once and that's why we need to prepare and be better with the future that's heading to once because we'll never know if the same ways of living will still be in the future or we can still enjoy by that time or we'll face a lot of troubles and problems because of our ignorance today in saving, investing and preparation.