Still, that last five percent is more or less my gambling money. I put it into individual stocks with the hope they get huge. Sometimes it works out well, like when I bought $700 of Nvidia in 2022. Sometimes it goes badly, like when I bought a bunch of Sears stock with the hope they'd bounce back.

I think I'm still technically "up" with my gambling money, though it's in the budget of "stuff I'd be ok going to zero".