Ultimately if you want to improve you have to take risk. This is just a fact of life. The more risk you take, the more money that you earn. It is not possible to grow beyond a certain level unless you are willing to take risks. This is true in almost anything in life. The more you are willing to put on the line, the more you will get in return. This is a truism, and absolute that just cannot be avoided. If you are comfortable and safe, do not expect to gaining a lot of growth in personal achievement, or even wealth. Growth requires risk. End of story.