This is a subjective question, but I'll summarize what I know. -no one can give you this advice, you have to listen and learn to discern the best decisions for

This is a subjective question, but I'll summarize what I know. -no one can give you this advice, you have to listen and learn to discern the best decisions for yourself. -investing is a full time job, 99% of investors will be better off not investing the time in valuing and picking stocks. -less is more - the serious equity investors have 10-20 stock picks, and confidence in their analysis -if it's in the media, it's being hyped, and often you're buying the uptick -investing in yourself (certifications, your business) will have the greatest return on investment. -don't time the market, compounding interest requires your stay in the market (I can't stop this myself, and missed the 2020 asset price bull/inflation? run) -the easiest strategy and what I plan to move to myself is monthly dollar cost averaging of an index stock purchase, buy & hold (idea being - your time is the most valueable commodity you have) -if you want some excitement on top of that boring strategy have 5-10% of your investments in stock picks you think are in the money long term. -learn about the concept of "Mr. Market": the price you see is the perceived value, or the actual value +/- perceived future cash flows. -buy a stock because you like the business and its prospects, not because you think you'll be able to sell it for more later and you'll pick better stocks. Businesses produce cash flows, and that's what you want to buy into. -have a margin of safety. -think for yourself, write down your stock thesis, and revisit it later - if you don't - you'll never improve without the feedback -currency speculation is just that: speculation. Bitcoin & anything without an actual cash flow is controversial right now but it's a mix of a virtual land grab and currency speculation. a couple resources: The Intelligent Investor -Ben Graham (Buffett's Bible) The Little Book that beats the Market -Greenblatt intangibles regarding wealth: The Algebra of Wealth -Galloway https://www.youtube.com/watch?v=uNrjrDV9-YQ https://www.youtube.com/watch?v=uNrjrDV9-YQ Oh and investopedia has a neat stock simulator if you want to speculate