If you have 10 million: 1. You can buy stocks, but you can't withdraw to your card for five years. 2. You can buy stocks, and you can sell them anytime to withdraw to your card. 3. You can buy stocks, but you must withdraw to your card and return the funds after three months. You'll notice, your trading strategy will be completely different. In scenario 3, you're basically just gambling in one form. In scenario 2, this is the state most people are in. Retail investors mostly treat trading like a game, frequent buying and selling. Scenario 1 is essentially the approach of institutional investors or mature investors. Investing with disposable cash gives you a broader perspective, and a clearer grasp of cycles. Try to avoid scenario 3 as much as possible, and aim to put yourself in scenario 1. Buffett said, 'If you don't plan to hold a stock for ten years, you shouldn't hold it for even a second.'