This 100%. It's a trap to follow the advice of investment savvy people that recommend higher risk options without taking into consideration the energy it takes

This 100%. It's a trap to follow the advice of investment savvy people that recommend higher risk options without taking into consideration the energy it takes to properly manage risky investments if someone isn't doing it for you. They falsely assume that what works for them (higher risk/return investments and closely following the markets for signals) is what also works for normal people that don't follow markets and financial news very much at all. They mean well and are genuinely trying to help people make the most money possible, but it's a huge blind spot that the time/energy/attention costs of investing aren't also taken into consideration. It's the same reason I wouldn't recommend Linux to someone that isn't motivated enough to learn how to use it. It definitely can maximize what you get from your computer, but only at the expense of requiring more responsibility and time to learn how it works. Though, it's far easier to get solid Linux advice than solid investment advice and a bad financial decision is way harder to recover from than a bad technology choice.