Well, I'd like to take more conservative approach though, even though I'm a risk lover but not a gambler.

My philosophy is, always take care of your downside, so your upside can take care of you.

It's important to have two streams of income all the time: the stable and the risky ones. The stable income like a paycheck will enable you to keep the lights on, put food on the table, and pay rent. The risky income will allow you "enjoy" the pleasure in life such as a vacation.

The trick for me is to reduce the outflow of my stable income so I can dedicate most of my funds to "learning" things I'm uncomfortable with. By keeping the risk small, I'm able to prolong my "learning" such as blogging or investing as long as possible without busting out, and eventually, getting a job that I dislike. Being a minimalist definitely helps. Never stop learning and steem on!