People are different. When your principal exceeds your income for more than five years, it's important not to lose your principal, so it's better to avoid some profitable operations.

Don't gamble everything on money that you don't necessarily need to earn.

When your principal is only three months' income and you have no debt, taking a risk for a miracle can be worthwhile.

However, you must not have debt, and don't use your principal for risky strategies. Investment needs to have a ballast. The ballast can be money, a stable income, a safety net, or the confidence to make a comeback.