I agree. Only invest money your willing to risk and know you may lose. Credit cards are great for emergencies. I always use them for bills and pay them in full each month. This not only helps your credit score, but shows that you can handle credit responsibly. I know everyone situation is different, but just be careful. My advise is make a budget to manage your money correctly, don't risk money you need, and if your invested in a project that you believe in hold through the ups and down. Don't invest without doing your research and just because your friend said you will get rich or you seen huge growth from a certain coin because at the end of the day you can only blame yourself.