Debt. Looking back I realized the debt I had burdened my mind from taking the right risks in life. When I got my first time job many of the elders keep saying invest and save. 2008/09 lost a lot and 2012 loss a lot. In the mean time my debt was hanging over me. The stats you find in stocks are plentiful and proven to work if you hold long term. I thought this was a safe bet as I needed more money to payoff my debt. If I had no debt I think I would have invested in coins instead of stocks. The risk of losing it all must always be thought about before investing. My debt burdened me and affected my judgement on my investments. Good luck with which ever path you choose.