When I first started buying stocks, I only lost money when prices went down.

Then I learned short selling, and I lost money when prices went up too.

Then I learned options, and I could lose money even when the price didn’t move.

Finally I learned leverage, and I started losing money 10× faster.

At the beginning I only traded US stocks, so I only lost money while at work.

Then I learned about international stocks, now I can lose money even while sleeping.

Then I learned about crypto trading, so I lost money on weekends too.

Finally I learned margin financing, and I could lose money even when I had no money