Escape velocity principle is why most people don’t invest and stay relatively poor: if you have a small amount to invest you feel you have to bet it all or it won’t make any difference. And so you always worry about timing or that you might lose it all. So you end up not doing anything.

The key is patience, invest until you reach escape velocity and “betting” 20% won’t break you but can add a substantial amount to your net worth. But patience is hard, especially in times of insta-gratification apps.