When people ask me whether they should invest in stocks, crypto, or even gold, the conversation almost always starts the same way:
“Stocks are already expensive.”
“Crypto is too high now.”
“Gold is at all–time highs.”
And honestly, all of those can be true… and still miss the bigger picture.
If you zoom out far enough, you’ll notice one simple trend: over long periods of time, almost everything of real value tends to go up in price. Not because it’s “moon magic,” but because our fiat money keeps inflating. As the value of money slowly erodes, the price of productive or scarce assets naturally adjusts upward.
That’s why, to me, the specific vehicle (stocks, crypto, or gold) is less important than understanding the basic principle:
you trade short-term comfort for long-term growth.
The key is not to spread yourself too thin. You don’t have to chase every narrative or own every asset. It’s better to pick a few things you understand, build conviction, and keep adding over time. A focused portfolio is easier to manage emotionally and mentally, especially when volatility hits.
Because it will hit.
Real investing means staying in the game through the ups and downs, through boring months of sideways action, through those slow, almost invisible gains that only look meaningful when you check the chart years later. That’s the part most people underestimate—how much patience it actually takes.
For me, that’s what investing really is:
accepting that the journey won’t be smooth, but trusting that disciplined, long-term exposure to good assets beats holding cash that keeps losing value.
And of course, the general rule never changes:
only invest money you can afford to lose.
Not because you plan to lose it, but because sleeping well at night is also part of a good long-term strategy.