[VienneseCPA]

You really should have read what's in the parentheses immediately after that: "without materially impairing their ability to consume or invest".

In other words, don't invest all your money in it.

I wish people would continue reading instead of stopping at arbitrary points to rant.

[Tycho]

I'm not 100% sure but I think that part in parentheses was added after the OP made his original post.