On risk: leaving your money in your bank account is a form of risk. If you don’t know, do your research about inflation and devaluation.

People who take on more risk, aware of the risk, putting in risk reduction strategy in place are better of than those who as a result of fear are only putting their money in cash/bank.

I buy and sell fitness trackers. There’s a margin and I make profit that’s better off than keeping my funds in the bank. So, I keep some funds as cash and I invest some.

But you need to learn the DIY approach to managing your money. — money. - end.