How does one have enough time to make a living, take care of family, AND then become an expert in different ways of investing? They likely don't. Risk comes from not knowing what you're doing, and when it comes to investing- common sense is your best friend. You must admit that most likely "Investing" is not a topic that you know a ton about, and that could cost you dearly long term. Financial education and preparation are the keys to success. Applying the values of Simplicity, Probability and Leverage are your best friends when it comes to this topic.