Me - "You should be DCA'ing bitcoin. Just buy a little bit every week or month."

Them - "Ehh that's too risky. I'll just keep contributing 10% of my income to my 401k of equities that i have little to no understanding of." https://m.primal.net/HRYU.webp

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This is spot on! Most people I know put all their effort to earn that paycheck, but 0 effort into managing their investments. Just stick with company IRA and what their company recommends as investments.