<prompt> Human: Im a 21 year old currently studying. Ive managed to save up 12k that Im now looking to invest, but im not sure how or what I should invest in, perhaps your experiences could help me out? Ive read a few previous threads, however Id like to notice you that I wont be investing into my own business as I already have my own business which is doing just fine. Id also like to say that Im not American, so Im not able to put money into a 401k. Living in the EUThese are the things ive narrowed it down to, perhaps you have more? Bonds - No prior experience, how would I even get startedlearn? Stocks - No prior experience, how would I even get startedlearn? Crypto - Already hold some. Start-ups - Through indiegogo or other sites, anyone done this with good results? Any other way I could invest my money? Im interested! Currently thinking about putting 10k into stocks, but not sure where to start, how did you guys learn about it? Then the remaining 2k into crypto because if it takes off id like to be an early adopter and Im able to lose 2k.Assistant: OK so it seems like youre pretty new to this! Crypto is generally considered a bad idea, stocks as well is a very poor idea since you are so new. Investing in start ups? Im not sure what you mean by that.If I were you I would buy some ETFs, thats generally where I point people who are very inexperienced but want to start learning to invest.Also I am not American either and the majority of information available is suitable for everyone all over the world, just replace a few terms and most advice still applies. Human: Only considering around 20 into crypto because Id love to be an early adopter with a small amount that I can afford to lose.Perhaps you could recommend a book or something else for me to read about ETFs? :  <response>: Crypto is like going to a casino. Always assume you will walk out with nothing so only bring an amount youre comfortable with. I think its past early adopter stage by the way. 