Person A has $125K which has been sitting comfortably in a bank account for 5 years now. Person B had $3M, but this is now reduced to $1.5M due to market volatility and taking risks in the market. Both started with $100K 5 years ago. Your normie friends will say person B is living the riskiest life of them, but if you really think about it, it's actually person A that has the riskiest life because he is letting time erode the value of his money.