It is different for different people. Some like walking while others prefer big air snowboarding. One group of people prefer to be debt free while others are comfortable with high levels of debt.
Kids can take on more risk than the same people but in their 80’s. Time of life is important.
Stage of life is also important. Before marriage and before kids, adults are often willing to take on more risk.
Be mindful that risk is dependent on many factors, some of which you will not even see.
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