{"id":59298,"date":"2025-07-12T07:55:19","date_gmt":"2025-07-12T11:55:19","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=59298"},"modified":"2025-07-29T13:34:00","modified_gmt":"2025-07-29T17:34:00","slug":"high-risk-vs-low-risk-investing","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/high-risk-vs-low-risk-investing\/","title":{"rendered":"High-Risk vs. Low-Risk Investments Made Easy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"59298\" class=\"elementor elementor-59298\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1501398d elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1501398d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2c8a6458\" data-id=\"2c8a6458\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ec4fe5 elementor-widget elementor-widget-text-editor\" data-id=\"5ec4fe5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Life isn\u2019t just about\u00a0<a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/everything-about-target-date-funds\/\" target=\"_blank\" rel=\"noopener\">target date funds\u00a0<\/a>and\u00a0<a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/why-index-funds-are-good-investments\/\" target=\"_blank\" rel=\"noopener\">index funds<\/a>. Lots of people understand that, logically, they should create a well-diversified portfolio of low-cost funds.<\/p>\n<p>But they also want to have fun investing. If you feel this way, sure, use a small part of your portfolio for \u201chigh risk\u201d investing\u2014but treat it as fun money, not as money you need.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-fun-money-allocation\">&#8220;Fun Money&#8221; Allocation<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>I set aside about 10 percent of my portfolio for fun money, which includes particular stocks I like, know, and use. Companies like Amazon that focus on customer service, sector funds that let me focus on particular industries, and even angel investing, which is personal investing for private ultra-early-stage companies.<\/p>\n<p>All of these are very-high-risk investments, and they\u2019re funded by just-for-fun money that I can afford to lose. Still, there is the potential for great returns. If you have the rest of your portfolio set up and still have money left over, be smart about it, but invest a little in whatever you want.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a18d349 elementor-widget elementor-widget-text-editor\" data-id=\"7a18d349\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2>Young Ramit&#8217;s $297,754 Lesson<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>When you were fifteen, a lot of your dads were teaching you how to drive, showing you how to use a razor, or throwing you a quincea\u00f1era. My dad told me to open a Roth IRA.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>A fifteen-year-old is too young to open a Roth IRA, so my dad and I opened a \u201ccustodial\u201d account together at E-Trade. I had a few thousand bucks from a few high school jobs I worked\u2014pizza maker, soccer referee, and sales guy for an internet company\u2014so I started looking for what to invest in.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>For lil\u2019 gangster Ramit, this was about as exciting as it got! So I started doing my research, which consisted of:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Looking up which stocks went really high and really low (because I thought \u201cHigher risk = higher reward, and I\u2019m young, so I can stand high risk so I get high reward!!\u201d God, I hate myself.)<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Restricting it to tech (\u201cBecause I understand technology!\u201d)<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Reading magazines like the Industry Standard, which breathlessly hyped different companies as they swelled to hundreds of pages of ads during the dot-com boom. Back then, I thought investing meant picking individual stocks, so I ended up buying three stocks.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>I bought stock in a company called <strong>JDS Uniphase<\/strong> (JDSU), an optical communications company. The stock effectively went to zero.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>I bought stock in a company called <strong>Excite<\/strong>, an early search engine, which was renamed Excite@Home after being acquired. It went bankrupt. And then I bought roughly $11,000 in a little company called <strong>Amazon.com<\/strong>.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>My investment of a few thousand bucks turned into $297,754. I should be proud of myself, right?<strong>WRONG<\/strong>. It might seem like I won, but you can learn a lot of counterintuitive lessons from this example.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2>Top 3 Investment Lessons I have Learned<\/h2>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c37a7f elementor-widget elementor-widget-image\" data-id=\"8c37a7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/elementor\/thumbs\/pexels-mikhail-nilov-8297034-scaled-qq8pifubzg36c24wf73gsaj0tq74w6kp6u4dpyzg1u.jpg\" title=\"pexels-mikhail-nilov-8297034\" alt=\"investment-strategy\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6a6f5f elementor-widget elementor-widget-text-editor\" data-id=\"d6a6f5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"background-color: #f5eee4; color: #000000;\"><span style=\"font-weight: bolder;\">1.) THE SUPERFICIAL LESSON:<\/span>&nbsp;<em>\u201cYou\u2019re so smart for picking Amazon!\u201d<\/em><\/p>\n<p style=\"background-color: #f5eee4; color: #000000;\">\n<\/p><p style=\"background-color: #f5eee4; color: #000000;\">\n<\/p><p style=\"background-color: #f5eee4; color: #000000;\"><span style=\"font-weight: bolder;\">THE REAL LESSON:<\/span>&nbsp;That is exactly the wrong lesson to take away. If that\u2019s your reaction, please read carefully: It\u2019s very important to know WHY you win and why you lose. I won with this Amazon investment, but it wasn\u2019t because I was a good investor. It was, purely and simply, luck\u2014a freakish once-in-a-generation winner.<\/p>\n<p style=\"background-color: #f5eee4; color: #000000;\">\n<\/p><p style=\"background-color: #f5eee4; color: #000000;\">\n<\/p><p style=\"background-color: #f5eee4; color: #000000;\"><span style=\"font-weight: bolder;\">2.)THE SUPERFICIAL LESSON:<\/span>&nbsp;<em>If you pick the next Amazon, you\u2019ll be rich.<\/em><\/p>\n<p style=\"background-color: #f5eee4; color: #000000;\">\n<\/p><p style=\"background-color: #f5eee4; color: #000000;\">\n<\/p><p style=\"background-color: #f5eee4; color: #000000;\"><span style=\"font-weight: bolder;\">THE REAL LESSON:<\/span>&nbsp;Investing isn\u2019t about picking individual stocks. Research shows that even veteran portfolio managers will, on average, fail to beat the market. I could have picked another one hundred stocks, and statistically, I would not have even beaten the market. It was pure luck. I\u2019ve actually made much more money on long-term, low-cost investing.<\/p>\n<p style=\"background-color: #f5eee4; color: #000000;\">\n<\/p><p style=\"background-color: #f5eee4; color: #000000;\">\n<\/p><p style=\"background-color: #f5eee4; color: #000000;\"><span style=\"font-weight: bolder;\">3.) THE SUPERFICIAL LESSON:<\/span>&nbsp;<em>Getting the right stock matters a lot.&nbsp;<\/em><\/p><p style=\"background-color: #f5eee4; color: #000000;\"><span style=\"font-weight: bolder;\">THE REAL LESSON:<\/span><span style=\"background-color: rgb(245, 238, 228);\">&nbsp;<\/span><span style=\"background-color: rgb(245, 238, 228);\">Getting started early mattered a lot. I was extremely lucky to have a dad who pushed me to start investing early. If you had the same, awesome. But let\u2019s say you didn\u2019t grow up with parents who knew a lot about money.<\/span><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">Or, until recently, you thought the only way to invest was to \u201cpick stocks.\u201d I hear you\u2014we all start from different places in life. Hey, my dad didn\u2019t teach me about the importance of engaging my core when deadlifting. We all start with the cards we\u2019re dealt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13cc68e elementor-widget elementor-widget-text-editor\" data-id=\"13cc68e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>What About Crypto?<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>I thought you only found mindless, roving hordes in zombie movies\u2014until I met crypto \u201cinvestors.\u201d I use that term loosely, since the majority of cryptocurrency fanboys have no other investments. They are \u201cinvestors\u201d in the same way that I am a mermaid because I can swim.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The next time you hear someone ranting and raving about why crypto is the future, ask them this simple, devastating question: \u201cBesides crypto, what does the rest of your portfolio look like?\u201d<\/p>\n<p>Their answer will instantly reveal that they are speculators, not investors, because they almost never have a\u00a0<a style=\"font-family: var( --e-global-typography-text-font-family ), PP Mori; font-size: var( --e-global-typography-text-font-size );\" href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/diversified-portfolio-examples\/\" target=\"_blank\" rel=\"noopener\">diversified portfolio.<\/a><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Here are the three answers you will get:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>\u201cLOL. I don\u2019t invest in fiat currency.\u201d<\/li>\n<li>\u201cTraditional investments are so boring.\u201d<\/li>\n<li>\u201cYou don\u2019t understand blockchain.\u201d<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>These answers are contrarian, that\u2019s for sure. The only catch with being a contrarian is you have to actually be right.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>When you get one contrarian, they just sound a little crazy. Put two of them in the same room, though, and you\u2019re suddenly witnessing a convention of people with all the hallmarks of brain-dead speculators. These people are almost always young, libertarian, and disaffected.<\/p>\n<p>You\u2019re not seeing a lot of people with successful careers spending four hours a day posting \u201cHODL\u201d (crypto investors\u2019 take on the word \u201chold\u201d from \u201cbuy and hold\u201d) on social media. See for yourself at bitcoin.reddit.com. It gets a little quiet when crypto investments drop 80 percent though.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>I have no problem with alternative investments when they are part of an overall portfolio. I have a real problem with mob mentalities around money-making ideas that then get rationalized and twisted from \u201ccurrency\u201d to \u201cinvestments\u201d to scathing (and shortsighted) criticisms of worldwide currency.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d707dbf elementor-widget elementor-widget-heading\" data-id=\"d707dbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd4e71f elementor-widget elementor-widget-text-editor\" data-id=\"cd4e71f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: <!-- notionvc: 0a712d51-d5e2-48d9-ae7e-8f8bdc4fc3a0 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a41de7 elementor-widget elementor-widget-button\" data-id=\"0a41de7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-280e57e elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"280e57e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a8dcd2\" data-id=\"7a8dcd2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c70fa38 elementor-widget elementor-widget-text-editor\" data-id=\"c70fa38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2>Ramit\u2019s Guide to Understanding Crypto as an Investment<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:list {\"ordered\":true} --><\/p>\n<ol>\n<li><strong>THEY SAY:<\/strong> <em>Cryptocurrency is a form of currency that you can use to pay for various goods.<\/em><\/li>\n<\/ol>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>REALITY:<\/strong> Very few merchants accept cryptocurrency. Also, one thing people seem to like is their currency being stable, meaning one dollar is worth one dollar.<\/p>\n<p>What happens when your cryptocurrency swings over 25 percent in one week? That\u2019s right, people tend to not spend it, because your TV might be 25 percent cheaper next week.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list {\"ordered\":true,\"start\":2} --><\/p>\n<ol start=\"2\">\n<li><strong>THEY SAY:<\/strong> <em>Cryptocurrency allows people to use cryptography and decentralization to remain anonymous.<\/em><\/li>\n<\/ol>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>REALITY:<\/strong> This is true, and there are some valid reasons for people to purchase anonymously. However, for now crypto largely gets used to buy drugs.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list {\"ordered\":true,\"start\":3} --><\/p>\n<ol start=\"3\">\n<li><strong>THEY SAY:<\/strong><em> It is better than fiat currency.<\/em><\/li>\n<\/ol>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>REALITY:<\/strong> If you spend more than three minutes talking about crypto with a fanatic\u2014excuse me, fan\u2014they will surely bring up the argument of fiat money. This quickly progresses to referencing Nixon\u2019s 1971 decoupling from the gold standard, followed by \u201cMoney isn\u2019t real.\u201d I just stare at them, blinking.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list {\"ordered\":true,\"start\":4} --><\/p>\n<ol start=\"4\">\n<li><strong>THEY SAY:<\/strong> <em>It\u2019s not about Bitcoin, it\u2019s about blockchain.<\/em><\/li>\n<\/ol>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>REALITY:<\/strong> Bitcoin is one example of a cryptocurrency using \u201cblockchain\u201d technology, which uses cryptography and a decentralized architecture. The technology is legitimately impressive.<\/p>\n<p>It is also used by fans to distract from the constant failings of the actual usage, like Bitcoin and the thousands of applications.<\/p>\n<p>In one study, 80 percent of ICOs (initial coin offerings) were, and I quote, \u201cidentified as scams.\u201d Fans ignore these and instead point to the blockchain as the panacea for all of societal ills:<\/p>\n<p>Hungry? Blockchain will solve that. Need to walk your dog? What about using blockchain? Hey, I need to change my underwear. Got blockchain?<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list {\"ordered\":true,\"start\":5} --><\/p>\n<ol start=\"5\">\n<li><strong>THEY SAY:<\/strong> <em>Well, crypto is an amazing investment.<\/em><\/li>\n<\/ol>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>REALITY:<\/strong> Investment returns in Bitcoin increased hugely in 2017. From January to June, it had increased by 240 percent compared to 9 percent for the S&amp;P 500. Hard to argue against that. But irregular returns are a larger problem than most people realize.<\/p>\n<p>In just three months, Bitcoin soared over 340 percent, then dropped like a rock. Just like in any other type of high-risk gambling, you get addicted to the highs, but when it goes down, you begin hiding your losses and not talking about them.<\/p>\n<p>True to form, that\u2019s exactly what we saw. The number of people who searched for Bitcoin soared at the same time its price did\u2014and, of course, once the price dropped, people stopped talking about Bitcoin as an investment.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2>Conclusion<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If you want to invest in cryptocurrency, be my guest. As I said, once you have a solid portfolio in place, I encourage you to invest 5 to 10 percent in something fun!<\/p>\n<p>Just make sure you have a fully functioning portfolio first, meaning you\u2019ve completed the Ladder of Investing, you have six months of\u00a0<a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/emergency-fund\/\" target=\"_blank\" rel=\"noopener\">emergency funds<\/a>, and you limit your exposure by periodically rebalancing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ede6baa elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"ede6baa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2aab5e8\" data-id=\"2aab5e8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76dca2d elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"76dca2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE my  New York Times Bestselling book\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-424f16a elementor-widget elementor-widget-text-editor\" data-id=\"424f16a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can read the first chapter for free \u2013 just tell me where to send it:<!-- notionvc: c6011c13-2cc4-477a-a324-f13120df0625 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-221cc18 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"221cc18\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-44c18f9\" data-id=\"44c18f9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div 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id=\"wpforms-53529-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53529-field_19\">When you sign up, I'm also going to send you my newsletter full of my best money advice for free.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53529\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59298\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/high-risk-vs-low-risk-investing\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53529\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Download My Free First Chapter\" aria-live=\"assertive\" value=\"wpforms-submit\">Download My Free First Chapter<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>High-risk investments promise big returns. Low-risk ones offer stability. The smartest investors use both\u2014on purpose. This isn\u2019t about which is \u201cbetter.\u201d It\u2019s about knowing the role each plays. Low-risk investments are your financial foundation\u2014steady, diversified, and built to grow quietly over time. High-risk investments are optional for upside plays you can afford to lose. Mixing [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":122790,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-59298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59298","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=59298"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/59298\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/122790"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=59298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=59298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}