Team of stockbrokers are having a conversation in a office with multiple display screens.

When I first spoke with a client about Bitcoin years ago, he laughed and said, “That internet money will never catch on.” Today, he calls me often asking if it’s too late to start.

Crypto can be intimidating, but it doesn’t have to be. Here’s a simple way to look at it:

• What It Is: Digital money secured by blockchain technology.

• Why It Matters: It offers diversification, potential high returns, and is being adopted globally.

• Risks to Note: Prices can swing wildly, and scams exist. Only invest what you can afford to lose.

If you’re new, start small, choose regulated European exchanges, and focus on learning before risking large amounts. Sometimes, the smartest move isn’t chasing quick gains but holding steady for long-term growth.