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Part of what I do is something I'll call "pile of reserve" investing. I'll hold like $X in some leveraged fund but I have 50x in cash on the side so if things go south I can dollar average my way to profitability. This also requires constantly winnowing down profitable investments to insulate from risk. I've been doing this for about 3 years. About a 3x return on my current holdings, which is about 50% of the maximum I've had in.

This will very likely make less money but really, I can pay all my (admittedly very modest) bills with my portfolio and have returns left over + my actual day job income so honestly, why do I care?

I come from a privileged background and I lived that life. I didn't like it and have no interest in returning to it.

People have to find the strategy and mix that works for them.



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