yes, you are absolutely correct. Everyone should invest what they afford to sped for particular investment. Investment like shares , cryptos always associated with certain amount of risk. If you invest a amount that can be affordable to you, in a bear market you will be in safe side. In addition to buy from exchanges try to participate some ICO and free airdrops. Free airdrop money is always free money that you get with zero cost. Yesterday I published a post on " How to create MyEtherWallet to participate in ICO and free Airdrops" https://steemit.com/altcoins/@steemread/how-to-create-myetherwallet-to-participate-in-ico-and-free-airdrops , This is my first post on steemit and please go through it and give your valuble comments. Hope to write more valuable article in future regarding thse area. Thank you very much!