As with any investment, it is wise that we educate ourselves before we dive deep into the investment. It really is illogical for us to go into an investment that we do not understand. No, this is not risk-taking. Making this move can cause you greater harm than you would have expected. Believe it or not, there was a time in my youth where people around me constantly told me that it was important that I invested in the stock market when I reached the age of 21. But I had known nothing about the stock market and what investing in it meant.