This reads like an ad for Bitcoin, Tesla, Amazon and every other overhyped investment. Money in your chequeing account means it isn't being scammed and you are probably getting fee free banking.

In a world where every e-mail, every text, voicemail and half of social media posts are trying to part you from your money, this isn't a bad thing.

You should read James Altucher about investments. He says the small retail investor has zero chance beating Wall Street and he's managed a hedge fund. He recommends going it alone and investing in yourself as a stand alone entrepreneur.