If you have spare money, choose to invest in holding coins; if you don't have that spare money, don't act rashly. Even if the spare money goes to zero, it won't hurt or bother you. Put aside one or two thousand each month for regular investment; if you have the means, three, five, or even thirty-five thousand is fine. But it must be spare money—once the transaction is completed, withdraw immediately. Idle funds don't affect your life at all. Not only won't you lose flesh, but if your accumulation succeeds, it can add color to your life. Long-term investing of idle funds isn't about heavy assets entering the market. The possibility of playing and getting increasingly poorer is zero. Almost all losses come from short-term traders who need capital turnover. If their funds are trapped and they get cut, they will run even if it means bloodshed—what's called "chives" (people who get repeatedly exploited). They lose their money, and both the stock market and the crypto circle are their graveyards, with very few exceptions.