The old saying" It's not how much money you have but how you put it to work "
It is the key.
i am very conscious of that but you still need to balance risk v. reward ( and factor in real inflation )
AND long term investing is very much like arriving early at the juicy investments
now i have had some jaw-dropping luck on the way ( and locked out capital losses where i can sensibly )
but boy oh boy , in a scenario of deliberately fudged data , it is hard work not getting talked into a capital loss ( let alone a decent gain )
now property is great unless you are forced to liquidate , ditto with private equity , again a desperate need for cash can undo all the good work'/luck
cryptos not for me to me they reek of a honey trap
i had a nice run with corporate debt between 2011 and 2017 , just remember to research deeply before you part with your money ( it can be very complicated )
regarding the deep research .. ditto for ETFs they might be convenient and liquid , but there also can be plenty of traps ( and better options elsewhere
remember two important things have a stand alone calculator handy and factor in real inflation ( or as close as you can guess it )