财务：你作为财务顾问时，发现了什么人们常犯的错误

As a financial advisor, what is the most common mistake you see people making with their personal finances?Cam Rail, CFA, Founder Stackup Risk, former ETF market maker & traderI can tell you something extremely damaging that 90% of young people do, which often affects their financial health for life.It’s so common that when I mention it you you will probably shrug, but give me 60 seconds of your time and you’ll see why its persistent, fatal, and so commonly overlooked.Whats a really common investment for young people? Bitcoin, crypto, marijuana companies, penny stocks… basically, whatever the next ‘big’ thing is.What’s the problem here? 99% of these investments will end at $0. The big issue with that isn’t the loss of money - but the loss of confidence.People lose money ‘investing’ early, then they shy away from proper investments for the rest of their lives. They persistently take too little risk because they took the wrong type of risk early. They gambled, lost, then conflated that gamble with real investing.Responsibly and safely making money isn’t sexy. It’s not like the movies where you’re a hero who takes the ‘smart’ risk and get rewarded handsomely. It’s about taking the right risks consistently and watching your portfolio grow. The real ‘right’ risk is a diversified portfolio.Do yourself a favour, don’t burn out. Invest early, invest smart. Don’t confuse gambling with investing.Above all, know what risks are right for you - the worst thing you can do is take on too much risk relative to your mindset and end up burning yourself out permanently.