If you REALLY want to understand the game your finances, hard-earned savings are in, take an hour to clear you mind, suspend what you think you know, and WATCH this. I Guarantee you learn something new that will inform your actions going forwards. Enjoy!
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There are two asset classes that will separate you from the only plan left which is the mutualization of losses.
You might be surprised what they are. Listen:
Yes, bitcoin could top $200,000 this year (and for Pete's sake, don't tell me you can't afford it. You have ALWAYS been able to buy fractional amount. You can buy $10 on Alto (see other post) if you like, or a fractional share of FBTC (fidelity wise bitcoin trust ETF)
Do yourself a favor and subscribe (free) to George on Youtube for updates...
https://www.youtube.com/live/qI1KUrjXQGA?si=GAMliqsBwv9hqR__