Just because you 'lost' once, don't let that experience turn you off from it. You should be investing in something. I know the returns in England aren't the best, but you don't have to invest in England.
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We are investing @getonthetrain but I don't have much time to learn about riskier stuff, or interest for that matter, so we're moving money around these days.
Any spare time I have for this I'm putting into learning about crupto so we can start investing here.