This is much the same as I do. Right now I have relatively little invested in stocks. Last summer I was heavily invested for me, which would be barely anything to some people. Last summer was really good to me, I quit working completely, and still made more than I ever did at my job. Only wish I had the balls to have put more money into it last summer, but my worry was about losing a huge chunk. But overall it was great, just not as good as it could have been if I was more of a risk taker.
About the biggest risk I've taken in 2021 so far, was buying a new car, which I didn't realize at the time, many would Mistake for a cop car. Brings me great joy how people move out of the way so much more, and stopped cutting me off, or passing dangerously. I would guess 3 out of 4 drivers are nervous about me being an unmarked police car, when it is just a black Charger.