"invest in risky assets and lose a lot of money"
I 100% understand this. Losing 50% of one's retirement in the 2008 Financial Crisis or 80% in the 2018 Crypto Correction is extremely stressful! That said, when you're older it's better to put your money in less volatile assets, but when you're young, it's better to put it in risky assets because you have a lot more time to recover from a financial crisis. But I do understand what you're saying; there's enough stress in life, adding investment stress too it just sucks...lol.
"COngrats on being selected by @hodlcommunity"
Thank you so much @vlemon :)