I love this article! I love how you've given experiences from your real life! I can't fully relate because I haven't done that type of investing before, I also don't have a degree in finance. But I"ve always been interested in the subject! I've done some stock investing and I had a similar situation you did, I lost money in the end because I waited too long! But I've found Peer to peer lending a lot of fun!! I think you just have to learn more about what you are doing before you do it, IN order to reduce risk as much as possible.