> Get over yourself.

Please leave these out of comments on Hacker News. When we do so, the quality of the discussion is improved dramatically and we lose no information at all.

I suppose living paycheck to paycheck (or having no paycheck at all) is lower risk then?

That is untrue. Not participating in the market is impossible because of inflation. By 'not participating,' you are participating as inflation is still happening. You're essentially shorting inflation by not participating. So even not investing is investing -- that means you're holding cash which is itself an investment.