It's nothing to feel any shame about. A legitimate school system would, at the very least, provide a foundation for such things. I don't know your age, but many of us were raised by parents who had the good fortune of working for companies who cared about their people. If you stayed loyal to them, they stayed loyal to you. My dad, in particular, was like so many others. Worked hard for a quarter of a century, retired with solid benefits and pension. There was little need to teach us how to invest. Instead, they taught us to work hard and stay true. They had no reason to believe that it was a dying era.

My only advice is to invest only what you can afford to lose. Like I said, I was taught nothing of any this, so I'm not the best to offer any advice at all. I just know that the investments that I have made have been close enough to gone that I am glad that I have no attachment to the money. It could alter my financial life if things work out, but will have little to no bearing if it just goes away. That said, XRP still looks like it could be that thing.