I think that risk is the investors friend. When there is risk then there is opportunity for gains. On the condition that the project you invest in has a solid plan and good people that run with it.
When you have less money, you need more risk to make a change in your personal circumstances.
Yep and it is going to depend on where you live and current/future obligations too. I know that some people have significant amounts to invest, plus they live in low-cost countries, which offsets the gains needed.
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Very true. Crypto is global, so for some people it is way easier to benefit significantly than others.